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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.

Theatre fees

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 benefits

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.

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.

Surgery or hospital treatment where Medicare does
not pay a benefit

e.g. elective cosmetic surgery, experimental treatment/
procedures and laser eye surgery (LASIK etc.)

Excluded benefit
If a service is an excluded benefit, this means that the service or condition won't be covered by your health insurance policy, meaning we won’t pay a benefit towards these services.

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.