Compare Queensland Country Health Fund health insurance

How Queensland Country Health Fund rates for member complaints, gap cover and ambulance.

CHOICE staff

On this page:

Who is Queensland Country Health Fund?
Does Queensland Country Health Fund get many complaints from members?
How good is Queensland Country Health Fund's gap cover?
How many hospital agreements does Queensland Country Health Fund have in each state?
Does Queensland Country Health Fund offer any discounts?
Does Queensland Country Health Fund offer ambulance cover?
Does Queensland Country Health Fund offer family policies that cover adult children?
Does Queensland Country Health Fund let you claim online or in-app?

Who is Queensland Country Health Fund?

Queensland Country Health Fund is was merged with HBF in 2023. Territory Health Fund is Queensland Country Health Fund's brand for the Northern Territory. It's part of Members Health, an alliance of nonprofit and mutual health funds.

Queensland Country Health Fund

Phone: 1800 813 415

Website: queenslandcountry.health

Territory Health Fund

Phone: 1800 623 893

Website: territoryhealth.com.au

Does Queensland Country Health Fund get many complaints from members?

Queensland Country Health Fund has a Low complaints rating.

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is Queensland Country Health Fund's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

Well above average
Above average
Average
Below average
Well below average

We also display the percentage of medical services that Queensland Country Health Fund covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

How many hospital agreements does Queensland Country Health Fund have in each state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated.

The table below shows how many hospital agreements Queensland Country Health Fund has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals

Queensland Country Health Fund hospital agreements

In the Australian Capital Territory this fund has...

5 private hospital agreements out of an industry maximum of 6.

8 day hospital agreements out of an industry maximum of 9.

In New South Wales this fund has...

89 private hospital agreements out of an industry maximum of 92.

89 day hospital agreements out of an industry maximum of 105.

In the Northern Territory this fund has...

1 private hospital agreement out of an industry maximum of 1.

2 day hospital agreements out of an industry maximum of 2.

In Queensland this fund has...

50 private hospital agreements out of an industry maximum of 58.

44 day hospital agreements out of an industry maximum of 54.

In South Australia this fund has...

18 private hospital agreements out of an industry maximum of 20.

25 day hospital agreements out of an industry maximum of 31.

In Tasmania this fund has...

8 private hospital agreements out of an industry maximum of 8.

4 day hospital agreements out of an industry maximum of 9.

In Victoria this fund has...

69 private hospital agreements out of an industry maximum of 71.

68 day hospital agreements out of an industry maximum of 80.

In Western Australia this fund has...

21 private hospital agreements out of an industry maximum of 23.

20 day hospital agreements out of an industry maximum of 29.

Does Queensland Country Health Fund offer any discounts?

While there are no discounts for direct debit or prepaying your annual premium, youth discounts are offered on some Bronze Plus and Silver Plus policies and these are transferable on most policies (meaning you can transfer a discount from another fund to one of these policies).

Does Queensland Country Health Fund offer ambulance cover?

Queensland Country Health doesn't cover emergency ambulance in Victoria, Western Australia or South Australia.

Emergency ambulance cover is included in hospital and combined policies in the Northern Territory and cover is capped at one emergency service per person per membership year (with no air ambulance).

Depending on where you live, you may not need a policy with ambulance cover.

Queensland and Tasmania: Emergency ambulance services are covered by the state government.
New South Wales and the Australian Capital Territory: All hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select.
South Australia, Victoria and the Northern Territory: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover.
Rural Western Australia: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover.
Metropolitan Western Australia: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.

Does Queensland Country Health Fund offer family policies that cover adult children?

Adult children are covered on family policies for free until they turn 21.
Full-time students are covered on family policies for free until they turn 32.
Adult children younger than 32 can be covered on extended family policies for an extra cost.

Does Queensland Country Health Fund let you claim online or in-app?

Online claiming is available for acupuncture, audiology, chiropractic, dental (excluding major dental), dietetics, massage, occupational therapy, optical, physiotherapy, podiatry (consultations only) and speech therapy. An app (iOS and Android) is also available.

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Stock images: Getty, unless otherwise stated.

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