The Territory Health Fund is a specialist health insurer brand developed specifically for the Northern Territory and operated by Queensland Country Health Fund.

We are a community and people focused health insurer dedicated to providing Northern Australians a genuine, easy, value for money experience.

Born as the Mount Isa Mines employees Health Society in 1977 the fund has grown to now cover a significant number of communities and over 23,000 families in the top end of the country. We understand that living in the north of Australia is quite different to living closer to larger metropolitan areas. That’s why we operate differently to the big profit-driven funds, and have developed Territory Health Fund, to be able to focus on the needs of the people of the Territory.

Territory Health Fund understands the importance of relationships with health service providers and believes you should be able to choose your preferred provider for health services. That's why we don’t dictate who you need to see to receive your full health insurance benefit.

We also have a track record for delivering value, having increased benefits and added new ones each year for the past 7 years, while keeping premium increases lower than the industry average for 10 of the past 11 years. THF health insurance is honest - what you see is what you get and there are no hidden surprises. We've made our products simple and easy to understand and are totally up front about exactly what cover you will and won’t get with each product.

We have been taking care of hard-working regionally-based Australians for over 40 years and get that people want real value and real support for the money they invest in health insurance. That’s why we keep it simple and deliver it with great service, very knowledgeable support team and excellent value for money health insurance in Northern Australia.


Our purpose

We exist to meet the health insurance needs of Northern Australians by:

  • Improving the health and wellbeing of our Members
  • Providing market leading benefits
  • Maintaining competitive premiums
  • Providing superior personalised, genuine service