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Premium Rate Rise Notification: Member information in relation to the premium increase and Private Health Insurance (PHI) Reforms are currently being delivered to Members via email. Click 'Learn more' for information on how to access your notice and read more about the PHI Reforms. Learn more

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telephone 1800 623 893
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Frequently Asked Questions

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Most popular questions

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Member info

  • Where can I find your Privacy Policy?
  • When will I receive my Membership Card?
  • What is an excess?
  • Who's covered by my policy?
  • What happens if I'm going overseas?
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Joining Territory Health Fund

  • When will I receive my Membership Card?
  • Does THF have a cooling off period?
  • How can I pay my premiums?
  • I have older children. Can they be covered by my policy?
  • Why is private health insurance for me?
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Government initiatives

  • What is the Australian Government Rebate?
  • What is the Medicare Levy Surcharge?
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Claiming info

  • How can I submit a claim?
  • What is HICAPS?
  • What services can I claim on with HICAPS?
  • What services can I claim for online?
  • How do I claim if I have to go into hospital?
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Hospital cover

  • What is Access Gap Cover?
  • What is an excess?
  • What is a pre-existing condition?
  • What are out-of-pocket expenses for hospital treatment?
  • What is public hospital cover?
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Extras cover

  • What are out-of-pocket expenses?
  • What is Extras cover?
  • What is ancillary cover?
  • What is a waiting period?
  • Can I upgrade my cover?
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Contacting us

  • How can I contact Territory Health Fund?
  • What is your phone number?
  • What are the call centre's opening hours?
  • How do I update or change my personal details?
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  1. Home
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  3. Frequently Asked Questions

Help menu

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    • Compare hospital cover
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© Territory Health Fund, a trading name of Queensland Country Health Fund Limited 2019 ABN 18 085 048 237