Qantas health insurance

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Myrna

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Currently serving half time in prison hotel quarantine, plenty of time on hand to prepare for a new life outside 😂 after release. Hubby has been thinking of private health insurance. We had it for at least 6 years (before our wanderlust to the UK) with a small health fund called Phoenix, and have been corresponding with them to resume our policy but they are slooow in replying. Today we received an email from Qantas about their health insurance (received many of these in the past). Hubby started chatting and they gave us a quote.

We have some questions:
1. Is Q health insurance competitive? They are underwritten by nib, however if we call nib for a quote with similar level of coverage, the premium would not be the same. Is this correct?
2. We are not really after QFF as such, rather than after a good policy for reasonable premium. Have many here taken up Q health insurance?
"Plus, you could earn up to 110,000 Qantas Points* for joining when you sign up to Qantas Health Insurance by 8 July. Points will be awarded based on your level of cover after 60 days. Not available if you’ve recently held health insurance issued by nib."
3. Who do you go with for health insurance? We are 65+, hubby thinks we will need the gold cover for hospital. Since we will start selling down our investment properties in the next few years for retirement living, so there will be capital gains tax which will put us in the high income bracket and hence not much tax rebates on premium paid.

Any comments / views / advices are welcome and appreciated.
 
IMO they are great value for my circumstances and age.
NIB may underwrite the product but doesn't mean that the product offerings are the same in anyway at all.
 
Currently serving half time in prison hotel quarantine, plenty of time on hand to prepare for a new life outside 😂 after release. Hubby has been thinking of private health insurance. We had it for at least 6 years (before our wanderlust to the UK) with a small health fund called Phoenix, and have been corresponding with them to resume our policy but they are slooow in replying. Today we received an email from Qantas about their health insurance (received many of these in the past). Hubby started chatting and they gave us a quote.

We have some questions:
1. Is Q health insurance competitive? They are underwritten by nib, however if we call nib for a quote with similar level of coverage, the premium would not be the same. Is this correct?
2. We are not really after QFF as such, rather than after a good policy for reasonable premium. Have many here taken up Q health insurance?
"Plus, you could earn up to 110,000 Qantas Points* for joining when you sign up to Qantas Health Insurance by 8 July. Points will be awarded based on your level of cover after 60 days. Not available if you’ve recently held health insurance issued by nib."
3. Who do you go with for health insurance? We are 65+, hubby thinks we will need the gold cover for hospital. Since we will start selling down our investment properties in the next few years for retirement living, so there will be capital gains tax which will put us in the high income bracket and hence not much tax rebates on premium paid.

Any comments / views / advices are welcome and appreciated.

I did the sums on the QF offering. I'm with HCF and the same level of cover on QF was $203 a month compared to my current $161 (both of those without extras). So a pretty big difference. Had one major hospital visit and HCF was perfectly fine... no issues.

It's 'up to' 110K QF points. IIRC that was for a couple or family on top gold level with top extras. An expensive policy indeed.
 
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