| Better Hospital (Silver+) Cover | Vital Hospital (Bronze+) Cover | |
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| What you're covered for | $250 excess | $500 excess | $250 excess | $500 excess | $750 excess |
| Your choice of doctor/hospital |  |
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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. |
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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. |
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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. |
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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. Learn more. |
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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 click here for further information. |
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Surgically implanted prostheses e.g. 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 | |
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Nursing home type patients This amount is determined by the Federal Government. Certification is required. |
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| Rehabilitation | |
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| Palliative care | |
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| Brain and nervous system | |
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| Eye (not cataracts) | |
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| Ear, nose and throat | |
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| Tonsils, adenoids and grommets | |
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| Bone, joint and muscle | |
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| Joint reconstructions | |
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| Kidney and bladder | |
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| Male reproductive system | |
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| Digestive system | |
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| Hernia and appendix | |
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| Gastrointestinal endoscopy | |
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| Gynaecology | |
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| Miscarriage and termination of pregnancy | |
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| Chemotherapy, radiotherapy and immunotherapy for cancer | |
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| Pain management | |
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| Skin | |
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| Breast surgery (medically necessary) | |
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| Diabetes management (excluding insulin pumps) | |
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| Blood | |
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| Back, neck and spine | |
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| Plastic and reconstructive surgery (medically necessary) | |
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| Dental surgery | |
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| Podiatric surgery (provided by a registered podiatric surgeon) | |
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| Lung and chest | |
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| Insulin pumps | |
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| Implantation of hearing devices | |
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| Pain management with device | |
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| Sleep studies | |
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| Cataracts | |
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| Heart and vascular system | |
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| Dialysis for chronic kidney failure | |
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| Pregnancy and birth | |
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| Assisted and reproductive services | |
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| Joint replacements | |
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| Weight loss surgery | |
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| Hospital psychiatric servcies |  |
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Mechanical Aids and Appliances Benefits on the purchase or hire of Mechanical Aids and Appliances approved by Queensland Country Health Fund with a limit of $2,000 per person per Membership Year. Learn more. |
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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 up to the appropriate benefit limit. |
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Hearing aid maintenance, batteries & charges Benefit up to $100 per Member per Membership Year for the cost of maintenance fees, repairs, batteries or purchase and/or repairs of a charging dock for hearing aids |
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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:
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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. |
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Surgery or hospital treatment where Medicare does e.g. elective cosmetic surgery, experimental treatment/ |
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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.
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Covered Benefits will be paid for this service |
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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. |
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Excluded benefit 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. |