Queensland Country Health Fund

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About Queensland Country Health Fund

What is Queensland Country Health Fund?

Queensland Country Health Fund is a private health insurer that operates as an open health fund. 

Background

Queensland Country Health Fund began in 1977 as the Mount Isa Mines (MIM) Employees’ Health Society to protect its workers from high hospital and medical costs.

In 1999, the MIM Employees’ Health Society merged with the Queensland Country Credit Union (Queensland Country Bank) to form Queensland Country Health Ltd. The fund transformed from a restricted fund to an open health fund.

Queensland Country Health also runs the Territory Health Fund. 

Queensland Country Health focuses on providing health insurance to nearly 60,000 members living in regional Queensland and the Northern Territory. 

Who can join Queensland Country Health Fund?

Anyone can join Queensland because it is an open fund.

What products does Queensland Country Health Fund offer?

Queensland Country Health Fund offers:

• Hospital Cover
• Extras Cover
• Ambulance Cover.

Do Queensland Country Health policies include Ambulance Cover?

Queensland Country Health includes Ambulance Cover (emergency and one on-the spot emergency treatment) for anyone with Hospital Cover living outside Queensland or Tasmania.

If you live in Queensland or Tasmania, the state governments provide free ambulance services for residents. 

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Is Queensland Country Health Fund a not-for-profit health insurer?

Yes. Queensland Country Health Fund is a not-for-profit health insurer.

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Does Queensland Country Health Fund operate in all Australian states and territories?

Yes. Queensland Country Health Fund operates in all Australian states and territories.

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Does Queensland Country Health sell its health insurance policies under other brands?

Yes. Queensland Country Health sells policies under the Territory Health Fund brand.

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How does Queensland Country Health Fund Hospital Cover compare with other insurers?

Benchmark	QCHF	Industry average
Member retention for Hospital Cover	89.0%	88.6%
% hospital-related charges covered	87.4%	90.6%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022

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Does Queensland Country Health Fund have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. Queensland Country Health Fund has agreements with a few private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:

Location	Number of private Agreement Hospitals	Industry maximum
ACT	5	6
NSW	94	98
NT	2	2
QLD	49	60
SA	19	23
TAS	8	9
VIC	73	76
WA	21	24

Queensland Country Health Fund also has agreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:

Location	Number of day Agreement Hospitals	Industry maximum
ACT	8	9
NSW	85	103
NT	1	2
QLD	47	57
SA	24	30
TAS	4	8
VIC	66	79
WA	20	24

Source: Queensland Country Health Fund: performance

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How does the Queensland Country Health Fund Extras Cover compare with other insurers?

Benchmark	QCHF	Industry average
% Extras Cover charges covered	49.2%	52.0%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022

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How does Queensland Country Health Fund compare with other private health insurers?

Benchmarks	QCHF	Industry average
Market share	0.4%	–
% services with no gap	89.3%	88.8%
% services with no gap or where known gap payment made	97.7%	97.4%
Market share of complaints to the PHIO	0.3%	–
% complaints investigated by the PHIO	0.0%	–
Benefits as a % of contributions	83.5%	83.1%
Management expenses as a % of contribution income	10.6%	9.9%
Management expenses per average policy	$519	$375

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022

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Is Queensland Country Health Fund a member of any industry organisations?

Yes. Queensland Country Health Fund is a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.

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Does Queensland Country Health Fund let me claim online or via an app?

Yes. Queensland Country Health Fund allows you to make a claim online or with the mobile app. 

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How to contact Queensland Country Health Fund

Phone:

1800 813 415

Website:

https://www.queenslandcountry.health/

Email:

info@queenslandcountry.health

Address:

333 Ross River Road
AITKENVALE QLD 4814

Postal address:

PO Box 42
AITKENVALE QLD 4814

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