As a Qantas customer, you are probably looking for a health insurance plan with various features. We’ll talk about Extras coverage, Hospital cover, Covid-19 coverage, and the rebate for Extras. We’ll also look at the Qantas Health Insurance Review’s Hospital cover. We hope our Qantas Health Insurance Review can help you find the best health insurance plan for your lifestyle and budget.
Table of Contents
Hospital cover
A Qantas Health Insurance review of hospital cover reveals that this company offers a range of policies for both individuals and families. For example, bronze Hospital Plus covers 31 of 40 hospitals, including 60% back on extras, ambulance cover, dental surgery, tonsil procedures, and joint reconstruction. It also includes 15 out of 23 extras, including physiotherapy and optical care, and can earn you up to 28,786 Qantas points.
Silver Hospital policy: Silver hospitals cover 34 out of 40 options. Silver Hospital coverage covers breast and bone surgery, immune therapy for cancer, digestive system, ear, nose and throat, and male reproductive system. It also earns members 26,000 Qantas points after two years. You can claim with this plan through MyGov, or swipe your membership card on a HICAPS terminal when receiving treatment.
Age-Based Discounting: The Age-Based Discounting scheme encourages people to purchase private hospital cover earlier. Discounts are calculated as 2% each year you are under 30, with a maximum of 10% for those aged 18 to 25. Age-Based Discounts do not apply to dependent children or adults. Depending on the plan and the health condition, you may not qualify for the Age-Based Discount.
Extras: Hospital cover is insufficient if you want to access health care services outside of Medicare. You may need to take out the Extras cover as well. Extras cover covers dental, physiotherapy, and optical treatment. The Medicare Levy – All Australian residents pay a Medicare Levy on their annual tax return. Higher-income individuals and couples must pay an additional surcharge to receive coverage for their out-of-pocket expenses.
Extras cover
The two types of Qantas Health Insurance Extras covered are the Active Extras and the Family Extras. The latter offers a 65% rebate on extras and is aimed at families with growing children. The Active Extras are particularly good for young children since they cover many preventative tests and services, like orthodontics, physiotherapy, and home nursing. In addition, the Active Extras policy also offers a high rebate on preventative tests, dietary advice, gym memberships, personal training, psychology, and antenatal care.
Unlike the Hospital policy, the Extras cover pays 100% of costs and allows the policyholder to choose the doctor. However, the level of cover you choose should be based on your requirements and budget. For example, singles should choose a policy with an excess of $500 or less, while couples should opt for a $1,000 excess. When choosing the level of cover, you should also consider the exclusions in your policy. You may face a claim denial if you do not meet these conditions.
Basic Extras cover includes a rebate of up to 60% for certain services, while Family Extras offers a subset of services aimed at your general wellbeing. Lifestyle Extras also covers a wider range of services, such as physiotherapy and OT. Active Extras also has higher dental and physiotherapy rebate limits, and Top Extras offers a 75% rebate for the entire range of Extras.
The Extras cover available under the Qantas Health Insurance plan can be customized to suit your needs. For example, the Basic Hospital option only covers basic hospital services and is the most affordable option for most people. It excludes Tasmania and Queensland residents, but the state government covers Tasmanians. It also excludes ambulance transport. You can easily file a claim for extras in the Qantas Wellbeing App.
Covid-19 coverage
Qantas has recently introduced Covid-19 coverage to its travel insurance package. The coverage begins when the policyholder, a close relative, or a business partner tests positive for Covid-19. For example, if a policyholder is exposed to the disease while traveling overseas, the policy will pay for any additional medical expenses and cover the costs of a canceled flight. The policy will also cover the costs of childcare and pet care while the person is in Australia.
COVID-19 coverage is not available for travelers who are already under quarantine. This is not a valid reason to cancel your travel insurance. Southern Cross offers similar coverage and reciprocal health agreements with 11 nations. However, the amount of COVID-19 benefit is capped at the policy’s maximum benefit limit. In addition, it will not cover the costs of a hotel quarantine. Travelers are advised to contact their insurer if they become ill while overseas.
Extras rebate
If you are considering getting a health insurance policy but are unsure which extras are the best options, then you should consider a Qantas Health Insurance Extras rebate. The extras policy will reimburse you up to 60% of the cost of a particular service. These can include major dental, optical, physiotherapy, and pharmaceutical prescriptions. The top-tier Qantas Health Insurance Extras rebate policy covers a comprehensive range of extras with generous annual limits.
Most health insurers will wow you with huge annual limits for certain extras. However, in reality, the rebates are quite low. For example, a crown can get you $580, while a set of dentures is worth $400. But on the other hand, it can cost up to $800 for an implant. While this is not great news, most people are disappointed to get only twenty-five to thirty percent of their extras back from Qantas Health Insurance. This happens even for people who have been on the same policy for years.
A Qantas Health Insurance Extras rebate could save you thousands of dollars when you need a hospital stay. Having a private hospital stay can cost thousands of dollars per day. Qantas Health Insurance is a great way to avoid this extra expense. You’ll also earn Qantas Points if you make smart lifestyle choices. And don’t forget that you can also earn Qantas Frequent Flyer points, which are good for your travel plans.
When buying a Qantas Health Insurance plan, you can also get bonus Qantas Points and a sign-up bonus. Bonus Qantas Points will be issued after you have paid a certain number of days in full. Depending on the level of cover, you can receive as much as one hundred and fifty percent of the costs. It’s important to note that your policy covers ambulance services, emergency care, and extras.
Waiting periods
When comparing Qantas Health Insurance’s costs, you should know about its waiting periods. These are a necessary part of health insurance, and they can prevent you from canceling your cover prematurely. Qantas Health Insurance will cover certain services you cannot afford and pay for items not included on the PBS. The coverage also includes a certain amount of excess, so make sure you get a plan with low excesses.
Depending on your level of cover, you’ll likely have to wait a few months or even a few years before you can use certain services. In many cases, the waiting periods are short, ranging from a day to a week, but some services have a 36-month waiting period. If you’re expecting, you’ll want to take out the policy before you fall pregnant because the policy’s waiting period is typically longer.
Qantas Health Insurance has several different options for hospital and extras cover. Some plans even give you Qantas Points for healthy lifestyle choices. And if you need emergency care, you can use Qantas Care, which will cover the cost of emergency transport. But if you’re unsure, you can always compare Qantas Health Insurance policies to get the right level of cover for your needs.
The only downside to Qantas Extras is that you can’t switch policies during the waiting period. Qantas Extras cover many services with a 60% rebate up to an annual limit. This includes major dental, optical, physiotherapy, pharmacy prescriptions, and preventative care. But there are some exceptions, such as for Queensland and Tasmania residents. Qantas Extras cover preventative tests, dietary advice, and personal training for the growing family.
