|Better Hospital (Silver+) Cover||Vital Hospital (Bronze+) Cover|
|What you're covered for||$250 excess | $500 excess||$250 excess | $500 excess | $750 excess|
|Your choice of doctor/hospital|
Private hospital accommodation
For both Better Hospital (Silver+) and Vital Hospital (Bronze+) when admitted as an inpatient at a private hospital or day facility for any of the Restricted (R) 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.
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.
Age-based discount eligible policy
Did you know? All Territory Health Fund Hospital Covers are retained age-based discount policies, meaning we recognise on transferring your current age-based discount and apply this same discount to your new hospital policy with us. Learn more.
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. Learn more.
Accommodation benefit up to $50 per night for Members travelling more than 300 kilometres return from their home address for hospitalisation. Conditions apply click here for further information.
Surgically implanted prostheses
e.g. surgically implanted stents, screws and plates (for fractures) and pacemakers. Prosthesis benefits as per the Government listing.
Access Gap Cover
A benefit over and above the Medicare Benefits Schedule for participating doctors on inpatient services.
Nursing home type patients
This amount is determined by the Federal Government. Certification is required.
|Brain and nervous system|
|Eye (not cataracts)|
|Ear, nose and throat|
|Tonsils, adenoids and grommets|
|Bone, joint and muscle|
|Kidney and bladder|
|Male reproductive system|
|Hernia and appendix|
|Miscarriage and termination of pregnancy|
|Chemotherapy, radiotherapy and immunotherapy for cancer|
|Breast surgery (medically necessary)|
|Diabetes management (excluding insulin pumps)|
|Back, neck and spine|
|Plastic and reconstructive surgery (medically necessary)|
|Podiatric surgery (provided by a registered podiatric surgeon)|
|Lung and chest|
|Implantation of hearing devices|
|Pain management with device|
|Heart and vascular system|
|Dialysis for chronic kidney failure|
|Pregnancy and birth|
|Assisted and reproductive services|
|Weight loss surgery|
|Hospital psychiatric servcies|
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.
Surgery or hospital treatment where Medicare does
e.g. elective cosmetic surgery, experimental treatment/
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 accessed here.
Benefits will be paid for this service
|Restricted benefits: You will be covered for shared ward accommodation in a public hospital only. While you can choose to go to a private hospital or day surgery for the service or treatment, your admission is not fully covered and will likely 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.|
Hospital or day surgery admissions for these services in either a public or private facility will receive no benefit from Queensland Country. As well there is no benefit payable for services for which Medicare pays no benefit e.g. most cosmetic surgery.