Queensland Country Health Fund
Budget Hospital (Basic+) $750 excess & Young Extras
Queensland Country Health Fund
How $289.57 is worked out
- Premium as filed - $381.60 a month
- Government rebate - 24.1% of the premium (never of the loading): -$92.03
- A month - $289.57
Go to insurer no commission on this policy
Hospital: what is covered
Covered (10)
- Bone, joint and muscle
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Hernia and appendix
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Miscarriage and termination of pregnancy
- Skin
- Tonsils, adenoids and grommets
Restricted (3)
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered (25)
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Basic Plus
- Hospital - Private or public hospital
- Excess - Capped per person and per policy per year. $750 per admission. $750 per person a year. $1,500 per policy a year.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Offered for 18 to 29 year olds
- Accident cover - Yes
- Travel and accommodation benefits - Yes
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Pregnancy and birth - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: No excess applies for Dependent Children up to and including 21 years
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): $42.00; Scale and clean (item 114): $67.00; Fluoride treatment (item 121): $18.00 | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Major dental | 12 months | Tooth extraction (item 322): $135.00; Crown (item 615): $500.00 | $500 per person a year, $1,000 per policy a year (shared with other services) |
| Glasses and contact lenses | 2 months | Single vision glasses: $225.00; Multifocal glasses: $225.00 | $225 per person a year, $450 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $45.00 | $150 per person a year, $300 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $42.00; Follow-up visit: $37.00 | $400 per person a year, $800 per policy a year |
| Chiropractic | 2 months | First visit: $42.00; Follow-up visit: $30.00 | $500 per person a year, $1,000 per policy a year, $300 per service (shared with other services) |
| Podiatry | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $500 per person a year, $1,000 per policy a year, $300 per service (shared with other services) |
| Acupuncture | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $500 per person a year, $1,000 per policy a year, $300 per service (shared with other services) |
| Remedial massage | 2 months | First visit: $35.00; Follow-up visit: $35.00 | $500 per person a year, $1,000 per policy a year, $300 per service (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $500 per person a year, $1,000 per policy a year, $300 per service (shared with other services) |
| Health management programs | 2 months | Benefit: $125.00 | $125 per person a year, $250 per policy a year |
| Orthotics | 2 months | Benefit: 100% back | $500 per person a year, $1,000 per policy a year, $300 per service (shared with other services) |
| Osteopathy | 2 months | First visit: $42.00; Follow-up visit: $30.00 | $500 per person a year, $1,000 per policy a year, $300 per service (shared with other services) |
| Vaccinations | 2 months | Vaccination: $45.00 | $150 per person a year, $300 per policy a year (shared with other services) |
Not covered: Root canal, Braces, Psychology, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Dietitian, Exercise physiology, Eye therapy (orthoptics), Home nursing, Occupational therapy, Speech therapy.
Health management (Healthy Living benefit) provides benefits towards the costs of metabolic dieticians or nutritionists consultations to assist with weight management, diabetes education consultations, quit smoking programs, skin checks for skin cancers (except where there is a Medicare benefit), bowel screening and bone density tests, a second yearly prostate specific antigen test not covered by Medicare, supermarket tours conducted by a dietitian or other allied health professional qualified to provide nutrition advice, and gym memberships/personal training sessions provided under an approved health management or chronic disease management program. Please contact the insurer for full details.
Ambulance
Emergency ambulance. Waiting period for emergency transport: 1 day.
Agreement hospitals in Northern Territory
Queensland Country Health Fund has agreements with 3 private hospitals here, as filed with the Ombudsman.
The list
- Darwin Day Surgery - Wanguri (day hospital)
- Darwin Private Hospital - Tiwi
- NT Medical Specialist - Wanguri (day hospital)
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
Member retention (hospital cover)
88.4% is the Commonwealth Ombudsman's figure for HBF, the insurer of Queensland Country Health, in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement HY9/VMSO1Y, filed by Queensland Country Health Fund, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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