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What is private health insurance?

Private health insurance helps cover the cost of some medical treatments. It can help you avoid wait times for public hospitals, offset the costs of health services not covered by Medicare, and allow you the flexibility to choose your doctor.

What is Hospital cover?

Hospital cover helps pay for in-hospital costs such as surgery, anesthesia, private rooms, and theatre fees for services included in your Hospital cover. Your out-of-pocket costs will vary according…

What is Extras cover?

Extras cover (also known as 'general treatment' or 'ancillary' cover) helps pay for things that are 'extra' to in-hospital services – and often not covered by Medicare. Purchased separately or togeth…

Where can I find information about the Australian Government Rebate on health insurance?

The Australian Government Rebate offers eligible Australians a saving on the cost of their health cover. Your rebate level is based on the age of the oldest person on the policy and your combined tax…

Where can I find information about Lifetime Health Cover?

LHC is a Government initiative designed to incentivise people to take out – and maintain – private Hospital cover earlier in life. If you haven’t taken out private Hospital insurance by 1 July follow…

Where can I find information about the Medicare Levy Surcharge?

The Medicare Levy Surcharge (MLS) is an additional 1% to 1.5% in tax on top of the normal 2% Medicare Levy we all have to pay. You could be affected by the MLS if your income is above a certain level…

What are Waiting Periods?

A waiting period is the time-frame you have to wait before you can start claiming benefits on your policy, and it applies to both Hospital and Extras cover. Typically waiting periods are applied when…

What is a pre-existing condition?

A pre-existing condition is one where you have shown signs or symptoms within 6 months prior to joining Qantas Health Insurance or upgrading cover on an existing Qantas Health Insurance policy. Pre-e…

What is an excess?

An excess is the amount you elect to pay towards your hospital admission before we pay a benefit. Choosing a higher excess will reduce your Hospital premium (although you’ll pay more up front if you’…

What is an out-of-pocket expense?

An out-of-pocket expense is incurred when you're charged more for medical or hospital services than the amount you get back from Medicare (if you're an Australian resident) and your health cover. It’…

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