Queensland Country Health Fund
Queensland Country Health Fund offers two main hospital plans and 4 extra plans. Queensland Country Health Fund provides real-time claims processing through its partnerships with HICAPS and HealthPoint systems.
Queensland Country Health Fund sponsors local community events like the Townsville Running Festival and Mackay River to Reef Charity Bike Ride to promote health and community engagement.
| 🔎 Date Established | 1977 |
| 📌 Headquartered | Townsville, Queensland |
| 📍 Registration Number | ABN 11 126 884 786 |
| 👤 The average number of members | ±70,000 |
| 👥 Number of Employees | 50 - 200 |
| 🛡️ APRA-Regulated | Yes |
| 📉 The most recent Market Cap reported | Not-for-profit |
| 4️⃣ Average Customer Rating | 4.8/5 (2023 ProductReview Award) |
| ⭐ Average Number of Reviews | 380+ |
| 📈 Market Share | 0.4% |
| 📊 Number of plans offered | 2 main, 4 extras |
| 💹 Sponsorships | Townsville Running Festival and Mackay River to Reef Charity Bike Ride |
| 📲 Mobile App offered | ✅Yes |
| 🖥️ Medical Claims Portal | ✅Yes |
| ⏰ Customer Support Operating Hours | 8 am to 5:30 pm (Mon, Tue, Thu, Fri), 9 am to 5 pm (Wed) |
| ✏️ Information Hub and Blog | ✅Yes |
| 🩺 Chronic Illness Benefits | ✅Yes |
| 🧑⚕️ Screening and Prevention offered | ✅Yes |
| 🍼 Maternity Benefit | Available under Better Hospital (Silver+) Cover, including pregnancy-related treatments and procedures |
| 💶 Health Insurance Premium Range (AUD) | From $25.75 per week for Vital Hospital (Bronze+) |
| ⏰ Average Waiting Period | 1 day – 12 months |
| 🌎 Is International Medical Cover Offered | Not offered |
| ✈️ International Travel Benefit | Offers accommodation benefits for travel within Australia, for medical treatment (up to $50 per night) |
Queensland Country Health Fund Plan Overview
| 🔎 Plan | 💶 Premium Range AUD | 📉 Exclusions | ❤️ Ideal For | 📈 Gap Cover | 💷 Rebate Percentage | ⏰ Average Waiting Period | ⭐ Key Features |
| 🥇 Better Hospital (Silver+) Cover | Min: $15.76 Weekly, Max: $950.42 Yearly | Weight Loss Surgery, Elective Cosmetic Surgery, Experimental Treatment, Laser Eye Surgery | Individuals; broad hospital cover | ✅Yes | Age and income based | 1 day - 2 months | Hospital treatment, surgical procedures, and emergency services; Ambulance cover, access to private hospital rooms; certain extras |
| 🥈 Vital Hospital (Bronze+) Cover | Min: $12.45 Weekly, Max: $710.83 Yearly | Cataract surgery, heart and vascular surgeries, joint replacements, dialysis for chronic kidney failure, pregnancy and birth, and assisted reproductive services | Budget-conscious individuals, families, couples | ✅Yes | Age and income based | 1 day - 2 months | Basic hospital cover; emergency treatment, surgery, and some medical services; Lower premiums compared to higher cover plans |
| 🥉 Ultra Extras | Varies | Dental, optical, physiotherapy, podiatry (limited for some); Any service not included in extras benefit limits | Varies | ✅Yes | Age and income based | 2 – 12 months | Dental, physiotherapy, optical, and other therapies; Some limits on services |
| 🏅 Essential Extras | Varies | Limited dental, optical, and therapy services | Varies | ✅Yes | Age and income based | 2 – 12 months | Basic dental, optical, and physio; Lower benefit limits compared to more comprehensive plans |
| 🎖️ Select Extras | Varies | Similar exclusions to "Essential Extras," no extra services | Individuals who want essential but flexible extras cover | ✅Yes | Age and income based | 2 – 12 months | Dental, optical, and physiotherapy; Some flexibility in extras cover |
| 🥇 Young Extras | Varies | Limited cover on certain services, and capped annual limits | Younger individuals looking for affordable extras cover | ✅Yes | Age and income based | 2 – 12 months | Essential services like dental, optical, physiotherapy; Age-based premiums |
| 🥈 Corporate Cover | Varies | Varies based on employer arrangements | Employees participating in corporate health plans | ✅Yes | Age and income based | 1 day – 12 months | Tailored health insurance for corporate employees; Cover can be employer or employee-funded. Includes hospital and some extras benefits depending on the plan |
Queensland Country Health Fund Plans – Features and Benefits
Queensland Country Health Fund has customized health insurance plans that offer flexible cover options, letting members select the appropriate level of protection for unique situations.
Below, we outline each plan’s unique features and advantages, focusing on what they provide regarding cover, excess choices, and waiting periods.
Better Hospital (Silver+) Cover
Better Hospital (Silver+) Cover includes hospital services, from surgeries to major treatments like cancer care and joint replacements. It is for members who want comprehensive hospital coverage and can choose their doctor and hospital.
| 🏥 Hospital Accommodation | Private hospital accommodation covered; restricted public hospital benefits included |
| 💶 Age-Based Discounts | Available for members aged 18-29, gradually phasing out after age 45 |
| 📌 Surgically Implanted Devices | Cover for devices like pacemakers, stents, and plates |
| 🚑 Emergency Ambulance | Nationwide emergency ambulance cover, limited to one service per year outside Queensland and Tasmania |
| 📉 Accommodation Benefit | $50 per night for accommodation when traveling 300 km or more for hospital treatment |
| 📈 Access Gap Cover | Cover for fees above the Medicare Benefits Schedule (MBS) for participating doctors |
| 📊 Intensive Care and Rehabilitation | Includes cover for intensive care and rehabilitation services |
| ❌ Exclusions | Excludes weight loss surgeries, elective cosmetic surgery, and experimental treatments |
| 💹 Excess Options | Choose between $250 or $500 excess per year |
Pros and Cons
Pros:
- Covers surgeries, cancer treatments, joint replacements, and more
- Access to private hospital care with the ability to choose your doctor
- Nationwide ambulance cover
- Accommodation benefits for members travelling for treatment
Cons:
- Some exclusions, including weight loss surgery and laser eye treatments
- Excess applies
Vital Hospital (Bronze+) Cover
Vital Hospital (Bronze+) Cover is ideal for Australians who want more affordable hospital coverage but still need access to essential medical treatments. This plan includes general cover for hospital admissions and excludes services like pregnancy and joint replacements.
| 🏥 Hospital Accommodation | Public hospital accommodation is covered; private hospital accommodation is more limited |
| 💶 Age-Based Discounts | Discounts are available for members aged 18-29, phasing out after age 45 |
| 🚑 Emergency Ambulance | Nationwide emergency ambulance cover for members outside Queensland/Tasmania |
| 🏠 Accommodation Benefit | $50 per night for accommodation when traveling 300 km or more for treatment |
| 📍 Surgically Implanted Devices | Covers medically necessary implanted devices like stents and pacemakers |
| 📉 Access Gap Cover | Benefits available for participating doctors over the Medicare Benefits Schedule (MBS) |
| 📈 Exclusions | Excludes cataract surgery, joint replacements, pregnancy and birth, and dialysis for kidney failure |
| 📊 Excess Options | Choose between $250, $500, or $750 excess per year |
Pros and Cons
Pros
- An affordable option with significant cover for general hospital admissions
- Nationwide ambulance cover and accommodation benefits
- Flexible excess options with the possibility of lower premiums
Cons
- Excludes pregnancy, joint replacements, and cataract surgery
- Limited private hospital accommodation options for some treatments
Ultra Extras
Ultra Extras is the highest extras cover to keep out-of-pocket expenses as low as possible while providing comprehensive options. It must be packaged with one of the hospital cover options and offers generous annual limits for services.
| 🦷 Dental | Up to $1,400 per person per year for general and major dental services |
| 🤓 Optical | Up to $300 per person per year |
| 📌 Therapies | Up to $1,400 per person per year for services like physiotherapy and chiropractic care |
| 📍 Orthodontics | Lifetime limit of $3,000 for orthodontic services |
| 🦻 Hearing Aids | Up to $2,000 per person per year for hearing aids and related services |
| 📉 Health Appliances | Up to $2,000 for health aids and appliances |
| ❌ Exclusions | Excludes cosmetic treatments not medically necessary, among other exclusions |
| ⏰ Waiting Periods | 2 months for most services, 12 months for orthodontics and health appliances |
Pros and Cons
Pros
- Comprehensive extras cover with generous limits for dental, optical, and therapies
- High benefit amounts for hearing aids and health appliances
- Loyalty rewards increase benefits each year for the first five years of membership
Cons
- Must be packaged with a hospital cover option
- Some services, like cosmetic treatments, are excluded
Essential Extras
Essential Extras covers several services but has limited annual limits compared to Ultra Extras. This extras plan is affordable for Australians who want extras coverage without paying for services they are less likely to use.
| 🦷 Dental | Up to $900 per person per year for general and major dental services |
| 🤓 Optical | Up to $215 per person per year |
| 🧡 Therapies | Up to $900 per person per year for services like physiotherapy and chiropractic care |
| 📌 Orthodontics | Lifetime limit of $1,500 for orthodontic services |
| ❌ Exclusions | Some services excluded, such as orthodontics and certain therapies |
| ⏰ Waiting Periods | 2 months for most services, 12 months for orthodontics and major dental services |
Pros and Cons
Pros
- Covers a range of services with competitive limits
- Offers a cost-effective solution for those who need extras cover without extensive benefits
- Includes dental, optical, and therapies with rewarding loyalty benefits
Cons
- Some exclusions, including orthodontics and certain therapies
- Lower overall limits compared to Ultra Extras
Select Extras
Select Extras is the most budget-friendly plan with essential dental, optical, and other popular benefits. It is ideal for younger members or anyone who wants a more limited set of extra benefits.
| 🦷 Dental | Up to $2,200 per person per year for general dental services |
| 🤓 Optical | Up to $245 per person per year |
| 💜 Therapies | Up to $500 per person for therapies like chiropractic and physiotherapy |
| ❌ Exclusions | Excludes services like orthodontics, speech therapy, and occupational therapy |
| ⏰ Waiting Periods | 2 months for most services, 12 months for dental and orthodontic treatments |
Pros and Cons
Pros
- Affordable premiums for those needing essential extras cover
- Generous dental and optical limits with a broad selection of common therapies
- Can be purchased as a standalone extras product or paired with a hospital cover
Cons
- Significant exclusions, such as orthodontics, speech therapy, and certain therapies
- Overall benefits limit of $2,200 per person per year, which may not cover more extensive treatments
Young Extras
Young Extras is for younger members who need essential extras covered. This plan covers services like dental, optical, and selected therapies. It is a practical option for cost-effective coverage that addresses basic health services, especially for younger individuals.
| 🦷 Dental | Up to $1,000 per person per year for general dental services |
| 🤓 Optical | Up to $150 per person per year |
| 💙 Therapies | Up to $400 per person per year for physiotherapy, chiropractic care, etc. |
| ❌ Exclusions | Excludes orthodontics and some therapies |
| ⏰ Waiting Periods | 2 months for most services, 12 months for orthodontics |
Pros and Cons
Pros
- Affordable extras cover for younger members
- Includes dental, optical, and therapies with manageable limits
Cons
- Excludes orthodontics and some therapies
- Limited benefits for certain services
Recent User Reviews
🥇 Excellent Customer Service
Customer service from Queensland Country Health Fund has been great. Always courteous and efficient, the staff is always approachable and solves difficulties swiftly. Kathy was really helpful with my recent inquiry—her professionalism helped things go smoothly. – James
🥈 Request for Loyalty Recognition
I want more loyalty recognition, especially for pensioners, as a longtime member. While the service is fine, I think giving long-term members a small discount or token of thanks would make us feel valued. – Vicky
🥉 Long-Term Positive Experience
I’ve had great experiences with the Queensland Country Health Fund for over 40 years. The app is simple, and the personnel is usually friendly. My recent claim was processed quickly and smoothly, with funds in my account in 48 hours. – June
Queensland Country Health Fund vs Latrobe Health Insurance vs HIF Health Insurance – A Comparison
| 🔎 Provider | 🥇 Queensland Country Health Fund | 🥈 Latrobe Health Insurance | 🥉 HIF Health Insurance |
| 📉 Years in Operation | 42 years | 74 years | 70 years |
| 👥 Average Number of Members | ±70,000 | 100,000+ | Not published |
| 🛡️ APRA Regulation | ✅Yes | ✅Yes | ✅Yes |
| 👤 Number of Employees | 50 - 200 | 51 - 200 | 50 – 200 |
| 📈 Market Share | 0.4% | 1.7% of the private health insurance market | <0.5% |
| 📊 Market Cover | Australia | Australia | Australia |
| ❤️ Customer Rating | 4.8/5 (2023 ProductReview Award) | 4.2/5 | 2.8/5 (based on 133 reviews) |
| ⭐ Number of reviews | 380+ | 800+ | 133+ |
| 📲 Mobile App | ✅Yes | ✅Yes | ✅Yes |
| 💶 Premium Range (AUD) | From $25.75 per week | From $24.49 to $37.79 per week for different plans | From $15.95 per week - $47.19 per week |
| 🌎 International Travel Benefit | None | None | Through Allianz Global Assistance |
| 📌 Market Capitalisation | None; not-for-profit | Not publicly listed | Not applicable; not-for-profit |
| 📍 Unique Features | Gap Cover, regional support, member-focused services, loyalty rewards, and an easy-to-use mobile app | Owns Maryvale Private Hospital, member-owned, high community involvement, Connected Communities program, Shane Warne Legacy Partnership | Cancer support program, Valion Health partnership, AccessGap cover, Kieser osteoarthritis program, Teladoc virtual care, private room options |
Advantages of Queensland Country Health Fund
Queensland Country Health Fund stands out for its healthcare solutions for regional Queenslanders. With a strong regional focus, Queensland Country Health Fund serves nearly 60,000 members across Queensland, providing personalized support through its six retail service centers in key regional areas like Townsville, Mackay, and Cairns.
The acquisition by HBF in 2023 has further strengthened the fund’s ability to deliver exceptional value while maintaining its roots in regional service. Through partnerships with organizations like Queensland Country Bank and technology providers such as HAMBS, HICAPS, and Dataract, Queensland Country Health Fund ensures its members a seamless and modern experience.
Below are some of the key features that make Queensland Country Health Fund an appealing choice for residents of regional Queensland:
| 📉 Regional Presence | Serves 60,000 members across regional Queensland with local service centers in key areas |
| 📈 Member-Centric Approach | Reinvests in member benefits |
| 📊 Partnership with Queensland Country Bank | Ensures local, face-to-face service across Queensland |
| 💹 Technology Integration | Partners with HAMBS, HICAPS, and Dataract to streamline claims, processing, and administrative tasks |
| 📉 Affordable Premium Increases | Keeps premium hikes low while increasing benefits and adding new ones annually |
| 📈 Territory Health Fund | Tailored specifically for Northern Australians, addressing the unique needs of regional communities |
Overall, from what we can see, Queensland Country Health Fund’s approach is not just about providing insurance – it’s about building a support system that actively contributes to the health of its community members.
Queensland Country Health Fund Gap Cover
Access Gap Cover is a key feature of the Queensland Country Health Fund. Access Gap Cover applies to eligible services provided by doctors participating in the scheme. When you’re admitted to the hospital, your doctor may charge more than the Medicare Benefits Schedule (MBS) fee.
The difference is known as the “gap.” Queensland Country Health Fund covers this gap in most cases, depending on the doctor’s participation in the scheme.
| 🔎 Eligibility | 📌 Details |
| 📉 Doctor Participation | Cover applies only if your doctor participates in Access Gap Cover |
| 📈 Participating Doctors | Doctors who participate in the scheme bill the Queensland Country Health Fund directly for their fees |
| 📊 Maximum Gap | The maximum allowable gap is $500 per medical episode, $800 for obstetrics |
| 💹 Non-Participating Doctors | If your doctor doesn't participate, you'll pay the full gap, with no contribution from Queensland Country Health Fund |
| 💱 Ineligible Services | Excludes elective services like cosmetic surgery and experimental treatments |
Understanding the Scenarios
Known-Gap Scenario
If your doctor participates in Access Gap Cover, there is a known gap that you’ll need to pay, but it’s capped.
No-Gap Scenario
If your doctor charges only the MBS fee and participates in the Access Gap Cover, you won’t have to pay anything beyond the MBS fee.
Doctor Not Participating Scenario
If your doctor is not participating, you must cover the difference between the MBS fee and the doctor’s charges.
Benefits and Limitations
Benefits:
- With direct billing through participating doctors, you won’t have to make any upfront payments for many services.
- Reduces or removes out-of-pocket expenses for qualifying inpatient services.
- Covers surgeries and significant medical procedures.
Limitations:
- Doesn’t include all medical services; elective procedures and some medical devices are not covered.
- If you see a doctor who doesn’t participate, you’ll pay more out of your pocket since you’ll have to cover the entire difference yourself.
- Certain medical devices and human tissue products aren’t completely covered.
Queensland Country Health Fund App Features
The Queensland Country Health Fund app is available for both iOS and Android devices, making it easy to access policy details, track benefits, and submit claims without the hassle of paperwork or waiting for responses.
Key features of the Queensland Country Health Fund app:
- Upload PDFs for claims or documents directly from your phone.
- Log in securely using biometric options like fingerprint or face recognition.
- Make instant payments with Visa or Mastercard, with immediate confirmation.
- Access benefit statements and membership updates securely via your mailbox.
- Review previous claims to track your health insurance usage.
- View and manage your insurance details to keep everything updated.
- See your yearly benefit limits in a clear graph showing the remaining balance.
- Edit your contribution account information directly in the app.
- Order new membership cards easily through the app.
- Use the simple search feature to find healthcare providers in your area.
- Submit claims by taking photos of receipts and uploading them in-app.
- Find the nearest Queensland Country Health Fund branch for in-person assistance.
The Queensland Country Health Fund app simplifies managing your health insurance, making it more convenient and accessible for everyday tasks.
How to apply for Health Insurance with Queensland Country Health Fund
When you apply for health insurance with Queensland Country Health Fund, there are several steps to navigate, including the following:
1. Step 1: Assess Your Coverage Needs
Determine if you need hospital cover, extras cover, or both. Consider your health needs, finances, and whether you need additional services like dental, optical, or ambulance coverage.
2. Step 2: Choose Your Hospital Cover
Review available options such as Basic, Bronze, Silver, or Gold hospital cover. Select the level of cover that best suits your needs, and add any additional cover based on required services.
3 Step 3: Research Plan Details
Visit the Queensland Country Health Fund website or contact customer support for more details about each package, including advantages, exclusions, and waiting periods.
4. Step 4: Complete the Application
Apply online via the Queensland Country Health Fund website. Provide your details, including your name, date of birth, and contact information. For family or couple coverage, include the relevant details for each person covered.
5. Step 5: Add Dependents
Include any dependents (children or partners) and provide necessary health information, including details of pre-existing conditions, if applicable.
6. Step 6: Choose Your Rebate Option
Decide if you want to claim the Australian Government Rebate on Private Health Insurance upfront or when you file your taxes.
7. Step 7: Review Product Summary
After submitting your application, you’ll receive a product summary with your chosen coverage, premiums, and details about exclusions or waiting periods.
8. Step 8: Understand Waiting Periods
Be aware of waiting periods, such as 12 months for pre-existing conditions and specific treatments like pregnancy.
9: Step 9: Select Your Excess
Choose your excess amount (e.g., $250 or $500) based on your selected plan.
10. Step 10: Choose a Payment Method
Select your preferred payment method, including direct debit, credit card, or BPAY. Payments can be made weekly, fortnightly, monthly, quarterly, biannually, or annually.
11: Step 11: Confirm Payment
Ensure your initial payment is processed to activate your cover. You may be eligible for age-related discounts based on your age.
By following these steps, you can successfully apply for health insurance with Queensland Country Health Fund.
How to apply for Gap Cover with Queensland Country Health Fund
Access Gap Cover reduces the financial burden of in-hospital medical services between the Medicare Benefits Schedule (MBS) fee and your doctor’s charges (if they participate in the scheme). Here’s how you can apply for gap coverage with the Queensland Country Health Fund:
| 🔎 Steps | 📌 Action |
| 1️⃣ Confirm Eligibility | Ensure your hospital cover includes an Access Gap Cover If you’re unsure, check your Certificate of Cover or contact the Queensland Country Health Fund |
| 2️⃣ Choose Participating Doctors | Confirm that your doctor or specialist participates in the Access Gap Scheme |
| 3️⃣ Discuss Costs with Your Doctor | Have a pre-treatment consultation with your doctor to confirm expected costs and whether there will be a known gap or no-gap scenario |
| 4️⃣ Check Waiting Periods | Understand the waiting periods for different treatments Emergency cases are eligible for immediate cover |
| 5️⃣ Ensure Claims Are Filed Correctly | Ensure the doctor sends the Access Gap Cover account directly to Queensland Country Health Fund or submit the doctor’s bill and Medicare statement if the doctor doesn’t participate in the scheme |
| 6️⃣ Understand the Gap | Note the cap on cover: $500 per doctor per medical episode (higher for obstetrics) Queensland Country Health Fund covers charges up to the MBS fee |
| 7️⃣ Submit Your Claim | If your doctor participates, their billing department will handle the claim For non-participating doctors, submit your claim via Online Member Services or directly to Queensland Country Health Fund |
| 8️⃣ Review Your Gap Payments | If there’s a known gap, pay the amount If there’s no gap, you won’t need to pay anything other than the MBS and Queensland Country’s contribution |
| 9️⃣ Stay Informed | Regularly review your annual benefit limits using Online Member Services or the mobile app |
How to Submit a Claim with Queensland Country Health Fund
Submitting a claim with Queensland Country Health Fund depends on the type of service you’ve used and how you’d like to process the claim. Below are the methods available:
HICAPS (On-the-Spot Claims)
- Use your membership card at participating healthcare providers with HICAPS machines.
- The benefit is instantly deducted from the treatment cost, and you only pay the remaining balance.
- Eligible providers include dentists, optometrists, physiotherapists, chiropractors, podiatrists, psychologists, and others offering extra services.
- Check provider availability via the HICAPS website or contact your healthcare provider directly.
Mobile App Submissions
- For eligible extra services, lodge claims directly through the Queensland Country Health Fund mobile app.
- Simply upload a photo of your receipt and submit the claim in minutes. This method is ideal for standard Extra claims that don’t involve HICAPS or hospital services.
Hospital Services
- Claims for hospital admissions are processed directly between the hospital and Queensland Country Health Fund.
- Ensure your policy excess is paid upfront before admission.
- After discharge, settle any personal expenses (like phone calls) or charges related to waiting periods directly with the hospital.
How to Upgrade or Downgrade My Plan with Queensland Country Health Fund
Upgrading or downgrading your plan with Queensland Country Health Fund is a quick process. Here are the steps to follow:
For Upgrades
Determine if you need a higher level of hospital cover, extras cover, or reduced excess.
For Downgrades
Consider if you want to reduce your cover, remove extras, or increase your excess.
Contact Queensland Country Health Fund
Call directly to initiate the change. Explain your reason for upgrading or downgrading to ensure the changes meet your needs.
Review Available Plans
Discuss the available options with a representative to ensure they align with your current and future healthcare needs. Confirm any changes to extras cover and its impact on services like dental, optical, or therapies.
Confirm Your Selection
Finalize your choice with the representative.
Update Your Payment Schedule
Adjust your payment plan to reflect the new premiums. If upgrading, ensure your payments are updated to avoid coverage disruptions.
You’ll receive a summary with your updated cover, premiums, waiting periods, and exclusions. Look out for any changes to your Membership Card or new documentation, especially for upgraded plans.
How do I add a Beneficiary to the Queensland Country Health Fund?
Adding a beneficiary to your Queensland Country Health Fund policy can help extend coverage to eligible family members or dependents, so they receive the necessary health benefits.
Here’s how to add a dependent to an existing policy:
- Inform the Queensland Country Health Fund about the individual you want to add using the Online Member Services (OMS) portal or by calling customer service directly.
- Familiarise yourself and the dependent with the waiting periods that could apply, especially if they’re new to health insurance or have had a cover gap.
- Adding a beneficiary could increase your premiums if the change shifts your policy from single to family or couple cover.
Once the beneficiary is added, Queensland Country Health Fund will issue a new Membership Card reflecting the updated members on your policy.
Special Cases for Newborns and Adult Children
Newborns: If you add a newborn to your policy, do so within two months of birth to avoid waiting periods. The addition will be backdated to the baby’s birth date. If added after two months, the newborn must serve waiting periods.
Adult Children: Adult children up to 31 years of age can be covered by your policy if they are studying full-time or working as an apprentice and if they don’t have a partner. If they don’t meet these criteria, Queensland Country offers Extended Family cover as an option.
How to Submit a Compliment or Complaint with Queensland Country Health Fund
If you need to provide feedback to Queensland Country Health Fund, here’s a simple process to follow:
1. Step 1: Provide Feedback
You can share your feedback by calling 1800 813 415, emailing [email protected], or mailing it to Level 1, 333 Ross River Road, Aitkenvale, QLD 4814.
2. Step 2: Escalate a Complaint
If your issue isn’t resolved, request escalation through email, phone, or mail. The Fund will acknowledge your feedback within 2 business days and aim to resolve it within 5 business days. For complex issues, they will inform you of an extended timeline.
3. Step 3: Internal Dispute Review
If you’re still unsatisfied, escalate the issue to the Internal Dispute Resolution Panel. It may take up to 15 business days for an outcome.
4. Step 4: External Review
If the issue remains unresolved, contact the Private Health Insurance Ombudsman. The Ombudsman will review the case, and Queensland Country Health Fund typically responds within 3–10 business days.
5. Step 5: Provide Supporting Information
Make sure to include detailed information such as descriptions of the issue, relevant documents, and your preferred method of communication.
If you follow these steps, your feedback or complaint will be addressed efficiently, ensuring a smoother resolution process with the Queensland Country Health Fund.
How to switch my Health Insurance to Queensland Country Health Fund
Switching your health insurance to Queensland Country Health Fund is a simple process, with most of the work done for you. Here’s how to switch:
Confirm Eligibility
Join within 63 days of leaving your previous insurer to have your waiting periods recognized. Make sure all applicable waiting periods have been served.
Select Your Cover
Choose the right hospital, extras, or combined cover for your needs. Note that upgrading to a higher cover may involve waiting periods for new benefits.
Transfer Certificate
Request a Transfer Certificate from your current insurer, showing your cover level and served waiting periods.
Notify Queensland Country Health Fund
Contact them by phone, email, or online to notify them of your intent to switch and provide the necessary documentation, including the Transfer Certificate.
Complete the Application
Fill out the form with your personal and previous insurer details and indicate your preferred rebate options.
Review Your Welcome Pack
Once joined, check the Certificate of Cover and product summary to confirm your new plan details.
Register for Online Services
Manage your membership easily through the online portal.
By following these steps, you can seamlessly switch to Queensland Country Health Fund and enjoy your new health coverage.
Queensland Country Health Fund Corporate Responsibility
Queensland Country Health Fund engages in corporate responsibility via community sponsorships, health-focused initiatives, and direct member support. Here are the details of their initiatives and participation:
| 📉 Event Sponsorships | Sponsorship of events like the Townsville Running Festival and Mackay River to Reef Charity Bike Ride |
| 📈 Support for Local Groups | Donations and event sponsorships to empower local organizations and health initiatives |
| 📊 Member Relief Measures | Premium increase delays and other financial relief provided during challenging periods like COVID-19 |
| 💹 Youth Engagement | Programs like the Youth Jersey Design Competition encourage creativity and community involvement |
| 📌 Health Education | Publication of articles promoting wellness and practical health advice for members and the wider public |
Queensland Country Health Fund Regulation
Queensland Country Health Fund follows strict regulations that force it to maintain transparency, compliance, and financial stability. These regulations protect members’ interests and ensure high service quality, instilling confidence in the Fund’s practices.
Regulatory Compliance:
Queensland Country Health Fund ensures transparent communication through continuous contact with members, agents, and brokers. As a registered company under HBF Health Limited, it fully complies with all Australian private health insurance regulations. The fund is regularly monitored to ensure financial stability and adherence to industry standards.
Private Health Insurance Code of Conduct:
Queensland Country Health Fund has clear conflict resolution processes in place to address member complaints, both internally and externally. Trained staff provide accurate and detailed information about private health insurance options.
All member data is handled securely in compliance with national and state privacy regulations. The policy materials are transparent and thorough, enabling members to make informed decisions about their health coverage.
Queensland Country Health Fund Awards and Recognition
Queensland Country Health Fund has received the following recent awards and recognition for quality services and meeting its members’ expectations:
2023 ProductReview Award: Recognised in the Health Fund category for outstanding service quality, achieving a 4.8 out of 5-star rating based on verified member feedback.
Customer Support and Contact Details
Members and non-members can contact Queensland Country Health Fund using the following contact methods:
| ☎️ Phone | 1800 813 415 | Monday, Tuesday, Thursday, Friday: 8 am–5.30 pm |
| [email protected] | Available anytime; response during business hours | |
| PO Box 42, Aitkenvale QLD 4814 | N/A | |
| 📍 In-person (Branch) | Visit branches in locations such as Townsville, Mackay, Cairns, Ayr, and Mount Isa | Hours vary by branch; check specific locations |
| 🥰 Online Member Services | Accessible via the website for updates, claims, or policy inquiries | Available 24/7 |
Queensland Country Health Fund Rebates and Discounts
Queensland Country Health Fund offers more than just comprehensive hospital and extras coverage; it also provides various rebates and discounts to benefit members. Here’s an overview of the available options:
Australian Government Rebate on Private Health Insurance:
The rebate reduces premiums based on income and age, with higher rebates for older members (up to 32.812% for those aged 70 or older in the base tier). Members can claim the rebate upfront or as a lump sum during tax time.
Loyalty Rewards:
Essential or Premium Extras members receive increased annual claim limits for dental services and therapies. These limits rise by $50 each year for five years and are maintained throughout the policy. After two years of membership, enhanced benefits for orthodontics, crowns, and bridges are available.
Medicare Levy Surcharge (MLS) Exemption:
Members with eligible hospital cover avoid the MLS, a tax imposed on higher-income earners without private health insurance. This benefit can save individuals and families between 1% and 1.5% of their income, depending on their income tier and family size.
How to Claim Rebates and Discounts
Members can choose to have the rebate applied directly to reduce their premium, or they can opt to claim it later when filing their taxes.
Maintaining continuous hospital cover for the full tax year is crucial for the MLS, and members must review their income tier and cover details annually to maximize financial benefits and ensure compliance.
Additional Health Services and Products
Apart from its comprehensive plans and extras cover, Queensland Country Health Fund also offers the following supplementary services and products:
| 🔎 Service/Support | 📌 Description |
| 🏠 Accommodation Benefits | Covers up to $50 per night for members traveling over 300 km for medical treatment |
| 🩷 Breast Cancer Support | Resources and networks to manage the psychological and emotional challenges of treatment |
| 🥺 Sleep Disorders | Diagnosis and treatment options for conditions like sleep apnea and snoring |
| 🍎 Type 2 Diabetes | Guidance on managing blood sugar and preventing complications through lifestyle changes |
| 🦵 Osteoarthritis | Treatment for joint pain and stiffness affecting mobility, especially in older adults |
| 💔 Depression | Mental health support through therapy and medication |
| 🍼 Pregnancy Support | Prenatal care and resources to manage physical, emotional, and social changes |
| ↪️ Prostate Cancer | Diagnosis, treatment options, and emotional support for men with prostate cancer |
| 🖤 Heart Failure | Management and treatment for individuals with heart function issues |
| 🤕 Families and Mental Health | Support services for families dealing with the challenges of mental health conditions |
| 👶 Parenthood Support | Resources and guidance for new parents adjusting to life with a baby |
| 🙂 Living Well Resources | Educational materials on fitness, nutrition, and mental health |
| 🚑 Ambulance Cover | Emergency transport services for eligible members outside Queensland and Tasmania |
| ⚙️ Corporate Health Plans | Health insurance options for employer-sponsored group plans |
Pros and Cons
| ✅ Pros | ❌ Cons |
| Access Gap Cover is available for participating doctors | Limited private hospital accommodation options on some plans |
| Plans include hospital and extra cover | No international medical cover |
| High customer satisfaction with an average rating of 4.8/5 | Basic plans offer limited coverage for major surgeries |
| Competitive premiums from $25.75 per week | Ambulance cover is limited to one service per year outside Queensland and Tasmania |
| Personalised member support with in-branch services in regional areas | Limited access to non-participating doctors under Gap Cover |
In Conclusion
Queensland Country Health Fund offers a variety of health insurance plans tailored for regional Queensland residents, with around 70,000 members. The fund is committed to personalized service and strong community ties through events like the Townsville Running Festival and Mackay River to Reef Charity Bike Ride.
Plans range from the affordable Vital Hospital (Bronze+) Cover to the more comprehensive Better Hospital (Silver+) Cover. Extras options, such as Ultra Extras, provide extensive benefits in dental, optical, and therapies, while Young Extras is budget-friendly for younger individuals.
However, there are some exclusions, including weight loss and elective cosmetic surgery, and no international medical cover. Overall, Queensland Country Health Fund’s community focus, flexible plans, and digital tools make it a solid choice for Queensland residents.
You might also like:
Frequently Asked Questions
What hospital cover does the Queensland Country Health Fund have?
There are two hospital-only plans: Better Hospital (Silver+) and Vital Hospital (Bronze+). While limited, these plans can be combined with extra cover.
Does the fund provide corporate cover?
Yes, Queensland Country Health Fund has corporate health plans that are competitive and comprehensive.
Is there a waiting time for new members?
Yes, waiting periods apply if you have pre-existing conditions when you join Queensland Country Health Fund for the first time or you upgrade your current plan to one with higher cover.
