Compare Queensland Country Health Fund health insurance


A member-owned regional-based health fund established in 1977.

Fund information


Queensland Country Health Fund summary

Is Queensland Country Health Fund nonprofit? 

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 have in my state? 

Does Queensland Country Health Fund offer any discounts?

Does Queensland Country Health Fund offer ambulance cover?

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

What CHOICE Community says about Queensland Country Health Fund


Queensland Country Health Fund summary

Queensland Country Health Fund is a regional-based health fund with 50,000-plus members across Australia. It was established in 1977, and is part of the member-owned Queensland Country Group, which also has the Queensland Country Credit Union. 

Territory Health Fund is Queensland Country Health Fund's brand for the Northern Territory.


QCH

Territory

Queensland Country Health Fund contact details

Phone: 1800 813 415

Email: info@qchfund.com.au

Website: qldcountryhealth.com.au


Territory Health Fund contact details

Phone: 1800 623 893

Email: info@territoryhealth.com.au

Website: www.territoryhealth.com.au/


Is Queensland Country Health Fund nonprofit?

No, but it's parent company is a mutual organisation.


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Does Queensland Country Health Fund get many complaints from members?

Queensland Country Health Fund complaints rating: Low

  • 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

  • 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.

Queensland Country Health Fund gap cover performance by state

New South Wales (NSW)

Above average

Australian Capital Territory (ACT)

Well below average

Victoria (Vic)

Above average

Queensland (Qld)

Above average

South Australia (SA)

Above average

Western Australia (WA)

Average

Tasmania (Tas)

Average

Northern Territory (NT)

Above average

Percentage of medical services covered with no gap

New South Wales (NSW)

Queensland Country Health Fund – 92.2%

Industry average – 86.3%

Australian Capital Territory (ACT) 

Queensland Country Health Fund – 31.6%

Industry average – 76.7%

Victoria (Vic) 

Queensland Country Health Fund – 92.1%

Industry average – 85.0%

Queensland (Qld) 

Westfund – 91.8%

Industry average – 85.1%

South Australia (SA) 

Queensland Country Health Fund – 89.9%

Industry average – 86.8%

Western Australia (WA) 

Queensland Country Health Fund – 85.7%

Industry average – 90.1%

Tasmania (Tas) 

Queensland Country Health Fund – 92.7%

Industry average – 83.0%

Northern Territory (NT) 

Queensland Country Health Fund – 86.1%

Industry average – 80.1%

How many hospital agreements does Queensland Country Health Fund have in my 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.

ACA Health has

ACT

6 private hospital agreements out of an industry maximum of 7

7 day hospital agreements out of an industry maximum of 8

NSW

96 private hospital agreements out of an industry maximum of 100

89 day hospital agreements out of an industry maximum of 100

NT

2 private hospital agreements out of an industry maximum of 2

1 day hospital agreements out of an industry maximum of 2

Qld

51 private hospital agreements out of an industry maximum of 58

50 day hospital agreements out of an industry maximum of 53

SA

24 private hospital agreements out of an industry maximum of 27

25 day hospital agreements out of an industry maximum of 28

Tas

5 private hospital agreements out of an industry maximum of 8

3 day hospital agreements out of an industry maximum of 6

Vic

78 private hospital agreements out of an industry maximum of 79

71 day hospital agreements out of an industry maximum of 79

WA

22 private hospital agreements out of an industry maximum of 23

22 day hospital agreements out of an industry maximum of 29

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Does Queensland Country Health Fund offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Total discount for annual prepay via direct debit: None


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. Cover is capped at one emergency service per person per membership year. No air ambulance.

Do you need ambulance cover?

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

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In 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 WA: 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 WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.


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

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


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What CHOICE Community says about Queensland Country Health Fund

CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about Queensland Country to share your experiences or gain more insights into this health fund.