This was posted 6 years 6 months 23 days ago, and might be an out-dated deal.

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Earn up to 100,000 Qantas Points for Joining or Switching Your Health Insurance to Qantas Assure

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Earn up to 100,000 Qantas Points for Joining or Switching Your Health Insurance to Qantas Assure
Go to Deal
LAndrew2485 on 03/10/2017 - 04:21 qantasassure.com (414 clicks)
Last edited 03/10/2017 - 06:13 by 1 other user

another double points deal
points credited 60 days after. not bad if you already need insurance of this type

Previous deal and comments

Qantas Frequent Flyer (QFF) members who purchase a Qantas Assure (QA) Health Insurance policy between 18/09/17 and 31/10/17 will earn double sign on Qantas Points.

100,000 is the maximum number of sign on Qantas Points that can be earned upon purchase of combined Top Hospital and Top Extras Cover for Couples or Families. Each QA Health Insurance policy has a maximum number of points that can be earned upon purchase, which can be found here.

Points will only be awarded to the primary policyholder after the policy has been held for 60 continuous days and will be based on the level of cover held at that time.

Not available to existing Qantas Assure, nib, AAMI, Apia or Suncorp customers, or to previous policyholders who have joined and cancelled 6 months before or during the offer period. Qantas reserves the right to withdraw or extend this offer at any time.

Referral Links

Health Insurance: random (91)

5000 points for referrer and referee on select products. Details

Qantas Wellbeing App: random (501)

150 Points for the referrer (up to 20 times) and referee for signing up to the app.

Financial Qantas

Related Stores

Qantas Insurance
Qantas Insurance

closed Comments

  • [Deactivated] on 03/10/2017 - 07:51

    points credited 60 days

    Not quite. If you read the T&C's in your link

    Points will be credited over 9 months, in 8 equal monthly instalments which will commence after the policy has been held for 60 continuous days. To receive each instalment of the Qantas Points, the qualifying premium must remain the same and payments must be paid up to date

    i.e. you need to hold the policy for 11 months, to get all the points.

    Points earned per monthly premiums
    0 pts - $0-$40
    10k pts - $40-$80
    40k pts - $80-$120
    60k pts - $120-$160
    100k pts - $160+

    • Nachotroncoso on 03/10/2017 - 08:17
      +2

      I think you are linking to the life insurance T&Cs, which are linked as part of the post. If you go to the 'Go to deal' link, it shows the proper ones. It should be credited in 60 days as well, as the premiums to get 100,000 points are well over $500 per month.

      • [Deactivated] on 03/10/2017 - 12:57
        +1

        Sorry you're right.

  • djz on 03/10/2017 - 09:44
    +13

    WARNING

    "Qantas Assure Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib) a registered private health insurer, and is arranged by Qantas Airways Limited ABN 16 009 661 901 (Qantas), for which Qantas receives commission."

    Before you sign up to this to get points you should be aware that Nib are one of the worst health funds in Australia. I work in the healthcare industry and deal with private health funds daily so I am intimately familiar with the sector.

    Nib :
    1)Has some of the lowest rebates among funds = More out of pocket fees for you
    2) The ONLY health fund in Australia remaining with a No Gap policy which means that if your specialist charges a gap (and for most operations they do) then Nib automatically drops their rebate massively down to MBS schedule rate only. This is a HUGE issue which which means your out of pocket fees are huge compared to any other health fund.
    3) As a company has questionable ethics and I've personally seen them play all sort of dodgy games with their patients when it comes time to claim.

    Just have a look at some of their finest moments (this is just a small subset)

    And this video on Nib will really shed a light on them:

    YOU HAVE BEEN WARNED….

    • giacgal on 03/10/2017 - 10:00
      +1

      I’m shopping around for a good one at the moment. Any suggestions?

    • lukee20 on 03/10/2017 - 10:04

      Agreed +1000 - I was well and truly 'done-over' by them, complaining to ombudsmen and politicians got me nowhere either - seems that they are happy let people get ripped off by obscure loopholes in legislation.

      Saying that, @djz - would you recommend a PHI alternative?

      • djz on 03/10/2017 - 11:36

        The ones to avoid are nib, Latrobe Health, Frank Health Insurance, Budget Direct, Pensioners Insurance (who like Qantas use Nib). Medibank is now over priced and has poor cover..they're trying to maximise shareholder profits…

        I can't give you a specific single best insurer as it may vary between people but often the member owned smaller funds are better (more extensive cover, smaller fees). I suggest go to ahsa.com.au where most of Australia's funds are part of an alliance and do some quotes on a few of them and compare policies.

        Also avoid iselect! They're just a glorified commission generating machine and they're barely comparing a tiny portion of the funds in australia.

        • [Deactivated] on 03/10/2017 - 13:06

          Frank is GMHBA, which are also crap to deal with. We had an issue where they previously zero'd the lifetime loading days. It took 19 phone calls, 23 emails to get it sorted (and 2 other insurance companies who were very helpful) to resolve, refused to apologise.

    • [Deactivated] on 03/10/2017 - 11:44

      2) The ONLY health fund in Australia remaining with a No Gap policy which means that if your specialist charges a gap (and for most operations they do) then Nib automatically drops their rebate massively down to MBS schedule rate only. This is a HUGE issue which which means your out of pocket fees are huge compared to any other health fund.

      Please elaborate.

      Family member had an op 18 months ago and EXACTLY the same applied with MBP - huge out of pocket expenses for the surgeon, anaesthetist and assistant. MBP also quoted the same lack of cover for surgery on my hand - ie they only cover the scheduled fee. I haven't checked them all but I gather this is fairly standard practice. Most hospital fees are fully covered (depending on your policy obviously) but out of pocket medical expenses, after a lifetime of private health insurance fees, can still be many thousands of dollars. This is one of the biggest consumer complaints in regard to the "private health" industry. You may be able to get some gap cover for additional premiums but for many (healthy) people that's throwing good money after bad.

      • djz on 03/10/2017 - 17:05

        Was your family member from overseas by any chance? They may have had overseas visitors MBP cover which covers very little of the doctors fees (only up to the MBS schedule fee which is very low).

        In your case, if MBP didn't cover that particular operation then its effectively as if you didn't have private insurance…Medicare would have covered virtually most of the MBS fee and you'd be out of pocket for the (substantial) rest.

        So the Key lessons everyone should take are:

        Don't choose your health fund based on cheapest price, Qantas points, movie tickets or whatever other crap they're throwing at you! You will pay for your mistake dearly later on…

        Research the best cover for YOU with a fund that looks after its members, doesn't behave dodgy and isn't preoccupied with filling the pockets of its shareholders and CEOs..

        Another really bad fund is Latrobe Health….many get suckered in due to their cheaper monthly fee not realising that Latrobe pays nearly 30-50% LESS than most other funds!!! Guess who will have to pay the difference??? YOU!!

        • [Deactivated] on 03/10/2017 - 18:39

          Not at all, you're clutching at straws. I take your statements with a grain of salt because I doubt very much that you've looked into every available fund and cover, esp as coverage differs from state to state, even with the same fund (see the ombudsman's report link below).

          The two examples I gave are from personal experience with MBP within the last 2 years. We've had phi with them for decades. From the few funds I've looked at none offers gap cover as standard across all procedures and depending on the procedure they MAY pretty much pay the subscribed fee as per the Medicare schedule, which regularly leaves you considerably out of pocket - unless your procedure is done in a public hospital by a surgeon who kindly charges the scheduled fee (which is why so many people with phi opt for public hospital treatment despite having private insurance - the system is nuts!)

          Anyone wanting an overview of complaints should visit the ombudsman's site: http://www.ombudsman.gov.au/making-a-complaint/private-healt… The fund which currently gets the most complaints is MBP I believe - since being sold off.

          The ombudsman's summary PDF has some basic info on gap cover for each fund but that is very general and someone having a procedure will only know the true expense after each item is costed - something the professional should/will do up front.

          This ombudsman summary for 2016 is useful, however people should not be shocked if their particular operation ends up costing thousands because the particular item numbers involved aren't covered fully. Ask around, there are plenty of similar stories irrespective of the health fund involved. For example the report claims MBP has no gap or refunds the gap in 92.4% of procedures, yet our two experiences for two totally different ops resulted in $4.5K and $10K out of pocket MEDICAL expenses (all hospital fees were paid) :

          http://www.ombudsman.gov.au/__data/assets/pdf_file/0020/4335…

          Personally I think the phi industry is a pup (far too much money wasted on non-medical things) and I wouldn't bother with phi if I was starting again unless the govt tax surcharge was balanced out to a large degree by the insurance payments (only affects higher income earners). That's with hindsight based on our experiences of course. Everybody has to make a judgement for themselves.

    • Dont Care on 04/10/2017 - 22:39

      ppl aren't signing up for the health insurance they are signing up for the points then cancelling it.

  • Hirolol on 03/10/2017 - 12:58
    +1

    Where are the comments "private health is a waste of money"
    Usually there are a few here or are they busy working?

    • [Deactivated] on 03/10/2017 - 13:16

      if you live in a big city, it is useless.
      Just rock up to your local public hospital. Although here in melb they have some deal where you can use your health insurance in many cases, but have no out of pocket (hospitals get money!)

  • Bluberry on 03/10/2017 - 13:16

    Negging this "deal" for several reasons:

    1. Its backed by NIB which is one of the worst health insurance providers (if not the worst) as others have mentioned. The points gained are trivial compared to the $1000s of dollars you may be left out of pocket because of NIBs dogey policies.

    2. You have to wait months for points to come thru. If something happens in the interim, you are stuck with NIB.

    3. Please do not play around with health insurance. Many major health problems are often unexpected, devestating, and can be extremely expensive if you want private care. Spend your time on PICKING A GOOD POLICY that is COMPREHENSIVE and covers YOUR NEEDs. Cheaper is most certainly not the best option here.

    Bottom line - do not pick your health insurance based QFF points!!

  • donbot on 04/10/2017 - 12:05

    I certainly wouldn't touch this for health insurance, but for those who get more than 1c per point value from QFF points it may be worthwhile considering an Income Protection Policy even with the high requirements of 11months & $160.

    10-11months x $160/month less tax deduction for the cost of policy may be < $1,000 depending on your Marginal Tax Rate.

    So for < $1,000, you may have 11months of income protection + 100k Qantas points.

    To some, that may be of value.

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