From
18.25

per week

Price quoted is for Better Hospital (Silver+) Cover standalone for a single in Queensland, including a 25.059% Australian Government Rebate with a $500 excess.

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Our most comprehensive hospital product

Better Hospital (Silver+) is our most comprehensive hospital product – it’s most popular with people who want great peace of mind, covering you for a wide range of inpatient hospital services like pregnancy, heart-related procedures, major eye surgery and joint replacement surgery.

Best suited for couples, singles and families wanting a high level hospital cover.

Features:

  • Our highest level of hospital cover
  • Cover for private hospital accommodation^
  • Doctors’ fees for services provided in a hospital^
  • Cover for most major surgeries^
  • Choice of a $250 or $500 excess
  • Age-based discounts available for eligible policy holders*
  • Excellent benefits for Mechanical Aids and Appliances
  • Combine with any of our extras products

^ Once all applicable waiting periods have been served. Some services are excluded or restricted on this level of cover; for these services there is no benefit payable (excluded services) or reduced benefit entitlement (Restricted Services).

* Better Hospital (Silver+) is an age-based discount policy and also a retained age-based discount policy. For more information on eligibility to these discounts please refer to information here.

What you're covered for

Everything you're covered for under our Better Hospital (Silver+) Cover
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Choice of doctor or hospital

With private hospital cover, you'll avoid potentially long public hospital waiting times and can choose to be treated by your preferred doctor.

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Public hospital accommodation as a private patient

Accommodation in a public hospital as a private patient.

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Private hospital accommodation

Accommodation in a private hospital for surgeries and other inpatient procedures not listed as a restricted or excluded service.

For both Value Plus Hospital and Vital Hospital when admitted as an inpatient at a private hospital or day facility for any of the Restricted services you will have a benefit entitlement to the default rate benefit only. This will likely lead to large out-of-pocket expenses if admitted under this level of hospital cover.

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Theatre fees

Fees that a hospital charge for the usage of the operating room and equipment.

For hospital services or treatments that have Restricted benefit availability, no benefit is paid towards the cost of theatre charges raised for inpatient services in a private hospital or day surgery.

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Age-based discount eligible policy

The Government's decision to allow private health insurers to offer discounts to younger Australians is designed to encourage more young people to take out private health insurance, a move that we have welcomed.

The provision of discounted products by insurers is voluntary but we have taken the opportunity provided by this legislative change to offer the discount to all eligible persons across all of our hospital products. These discounts are referred to as age-based discounts.

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Nationwide Ambulance Cover

Ambulance benefits will be applied to emergencies only and limited to one per person per Membership Year, when provided by recognised providers. 

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Accommodation benefits

Accommodation benefit up to $50 per night for Members travelling more than 300 kilometres return from their home address for hospitalisation. Conditions apply.

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Surgically implanted prostheses

Surgically implanted stents, screws and plates (for fractures) and pacemakers. Prosthesis benefits as per the Government listing.

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Access Gap Cover

A benefit over and above the Medicare Benefits Schedule for participating doctors on inpatient services.

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Intensive care

For time required to be spent in intensive care.

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Nursing home type patients

This amount is determined by the Federal Government. Certification is required.

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Rehabilitation

Hospital treatment for physical rehabilitation for a patient related to surgery or illness.

For example: inpatient and admitted day patient rehabilitation, stroke recovery, cardiac rehabilitation.

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Palliative care

Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

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Brain and nervous system

Hospital treatment for the investigation and treatment of the brain, brain related conditions, spinal cord and peripheral nervous system.

For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease.

Treatment of spinal column (back bone) conditions is listed separately under Back, neck and spine.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

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Eye (not cataracts)

Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket.

For example: retinal detachment, tear duct conditions, eye infections and
medically managed trauma to the eye.

Cataract procedures are listed separately under Cataracts.

Eyelid procedures are listed separately under Plastic and reconstructive surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

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Ear, nose and throat

Hospital treatment for the investigation and treatment of the ear, nose, throat,
middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the
head and neck. 

For example: damaged ear drum, sinus surgery, removal of foreign bodies,
stapedectomy and throat cancer.

Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids
and grommets.

The implantation of a hearing device is listed separately under Implantation of
hearing devices.

Orthopaedic neck conditions are listed separately under Back, neck and spine.

Sleep studies are listed separately under Sleep studies.

Chemotherapy and radiotherapy for cancer is listed separately under
Chemotherapy, radiotherapy and immunotherapy for cancer.

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Tonsils, adenoids and grommets

Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.

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Bone, joint and muscle

Hospital treatment for the investigation and treatment of diseases, disorders
and injuries of the musculoskeletal system.

For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs,
osteomyelitis and bone cancer.

Chest surgery is listed separately under Lung and chest.

Spinal cord conditions are listed separately under Brain and nervous system.

Spinal column conditions are listed separately under Back, neck and spine.

Joint reconstructions are listed separately under Joint reconstructions.

Joint replacements are listed separately under Joint replacements.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

Management of back pain is listed separately under Pain management.

Pain management that requires a device is listed separately under Pain management with device.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

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Joint reconstructions

Hospital treatment for surgery for joint reconstructions.

For example: torn tendons, rotator cuff tears and damaged ligaments.

Joint replacements are listed separately under Joint replacements.

Bone fractures are listed separately under Bone, joint and muscle.

Procedures to the spinal column are listed separately under Back, neck and spine.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

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Kidney and bladder

Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.

For example: kidney stones, adrenal gland tumour and incontinence.

Dialysis is listed separately under Dialysis for chronic kidney failure.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

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Male reproductive system

Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.

For example: male sterilisation, circumcision and prostate cancer.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

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Digestive system

Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.

For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids.

Endoscopy is listed separately under Gastrointestinal endoscopy.

Hernia and appendicectomy procedures are listed separately under Hernia and appendix.

Bariatric surgery is listed separately under Weight loss surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

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Hernia and appendix

Hospital treatment for the investigation and treatment of a hernia or appendicitis.

Digestive conditions are listed separately under Digestive system.

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Gastrointestinal endoscopy

Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.

For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP).

Non-endoscopic procedures for the digestive system are listed separately under Digestive system.

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Gynaecology

Hospital treatment for the investigation and treatment of the female reproductive system.

For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer.

Fertility treatments are listed separately under Assisted reproductive services.

Pregnancy and birth-related conditions are listed separately under Pregnancy and birth.

Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

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Miscarriage and termination of pregnancy

Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.

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Chemotherapy, radiotherapy and immunotherapy

Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.

Surgical treatment of cancer is listed separately under each body system.

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Pain management

Hospital treatment for pain management that does not require the insertion or surgical management of a device.

For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block.

Pain management using a device (for example an infusion pump or neurostimulator) is listed separately under Pain management with device.

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Skin

Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skinrelated condition is also included.

For example: melanoma, minor wound repair and abscesses.

Removal of excess skin due to weight loss is listed separately under Weight loss surgery.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

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Breast surgery (medically necessary)

Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.

For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia.

This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically necessary.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

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Diabetes management (excluding insulin pumps)

Hospital treatment for the investigation and management of diabetes.

For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections.

Treatment for diabetes-related conditions is listed separately under each body system affected.

For example, treatment for diabetes-related eye conditions is listed separately under Eye.

Treatment for ulcers is listed separately under Skin.

Provision and replacement of insulin pumps is listed separately under Insulin
pumps.

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Blood

Hospital treatment for the investigation and treatment of blood and bloodrelated conditions.

For example: blood clotting disorders and bone marrow transplants.

Treatment for cancers of the blood is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

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Back, neck and spine

Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.

For example: sciatica, prolapsed or herniated disc, and spine curvature disorders such as scoliosis, kyphosis and lordosis.

Joint replacements are listed separately under Joint replacements.

Joint fusions are listed separately under Bone, joint and muscle.

Spinal cord conditions are listed separately under Brain and nervous system.

Management of back pain is listed separately under Pain management.

Pain management that requires a device is listed separately under Pain management with device.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

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Plastic and reconstructive surgery (medically necessary)

Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital.

For example: burns requiring a graft, cleft palate, club foot and angioma.

Plastic surgery that is medically necessary relating to the treatment of a skin related condition is listed separately under Skin.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

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Dental surgery

Hospital treatment for surgery to the teeth and gums.

For example: surgery to remove wisdom teeth, and dental implant surgery.

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Podiatric surgery (provided by a registered podiatric surgeon)

Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for:

  • accommodation; and
  • the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time.

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Lung and chest

Hospital treatment for the investigation and treatment of the lungs, lung related conditions, mediastinum and chest.

For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

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Insulin pumps

Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.

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Implantation of hearing devices

Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

Stapedectomy is listed separately under Ear, nose and throat.

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Pain management with device

Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.

For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator).

Treatment of pain that does not require a device is listed separately under Pain management.

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Sleep studies

Hospital treatment for the investigation of sleep patterns and anomalies.

For example: sleep apnoea and snoring.

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Cataracts

Hospital treatment for surgery to remove a cataract and replace with an artificial lens.

 

 

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Heart and vascular system

Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.

For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls.

Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.

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Dialysis for chronic kidney failure

Hospital treatment for dialysis treatment for chronic kidney failure.

For example: peritoneal dialysis and haemodialysis.

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Pregnancy and birth

Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.

Treatment for the baby is covered under the clinical category relevant to their condition.

For example, respiratory conditions are covered under Lung and chest.

Female reproductive conditions are listed separately under Gynaecology. Fertility treatments are listed separately under Assisted reproductive services.

Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.

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Assisted reproductive services

Hospital treatment for fertility treatments or procedures.

For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra-fallopian Transfer (GIFT). Treatment of the female reproductive system is listed separately under Gynaecology.

Pregnancy and birth-related services are listed separately under Pregnancy
and birth.

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Joint replacements

Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.

For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint, spinal disc replacement.

Joint fusions are listed separately under Bone, joint and muscle.

Spinal fusions are listed separately under Back, neck and spine.

Joint reconstructions are listed separately under Joint reconstructions.

Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).

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Mechanical Aids and Appliances

Benefit up to 85% of the cost or hire of Mechanical Aids and Appliances approved by the Fund with a limit of $2,000 per person per Membership Year. 

 

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Mammograms and bone density test

Benefit up to $75 limited to two services for each of these tests, only if not claimable from another source. The Membership Year limit is $300 per person covered.

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Hearing aids

A benefit amount is provided to use over three Membership Years based on the date of which the purchase of a hearing aid/s is made. The benefit limit applies based on your length of membership with Queensland Country Health Fund. - Up to 10 years $1,000, 10-15 years $1,500 and 15 years+ $2,000. Benefits are per person and are calculated at 85% of purchase cost up to the appropriate benefit limit.

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Australian Hearing Services

Benefit of $25 per Membership Year per eligible person for the cost of a Hearing Services Card.

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Nursing Services

A benefit up to $50 per visit or $150 per day, up to $1,000 per person per Membership Year is payable for:

  • Bush nursing services provided by a registered nurse employed at a public hospital or bush nursing centre where there is no
    resident medical practitioner
  • Home nursing services provided by a registered nurse in private practice
  • A benefit up to $150 per day, up to $750 per person per Membership Year is payable for clinically relevant special nursing provided by a registered nurse in private practice.

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Hospital boarder

Benefits up to $35 per day to a maximum of four days per person, where such accommodation is necessary for the wellbeing of the patient.

Important information

Nationwide Ambulance Cover

You never know when an accident might happen and you need to be rushed to hospital in an emergency.

We cover emergency ambulance transport when it results from an unplanned or non-routine event where you need immediate medical attention.

Please note, that residents in different States may be covered slightly differently, depending on ambulance agreements with the various State governments. Information found here broadly outlines ambulance services State by State.

Accommodation benefit

We understand that substantial travel is sometimes required for our rural and regionally based Members when they are seeking treatment for a medical condition.

So for Members travelling for their medical treatment, we provide accommodation benefits to subsidise the costs of your stay. Learn more. 

Clinical categories

Clinical categories are defined by the Department of Health and detailed in the Private Health Insurance (Reforms) Amendment Rules 2018. A copy of the clinical categories, detailing the scope of cover can be viewed here.

Restricted benefits

You will be covered for shared ward accommodation in a public hospital only. If you go to a private hospital or day surgery for the service, it is likely to result in large out-of-pocket expenses. Some private specialists may not operate in a public facility, please take this into consideration when making a hospital product choice.

Excluded Services

Hospital or day surgery admissions for these services in either a public or private facility will receive no benefit from Territory Health Fund. As well there is no benefit payable for services for which Medicare pays no benefit e.g. most cosmetic surgery.