Queensland Country Health Fund (QCH)

Queensland Country Health Fund is part of a Member owned group. It's our goal to provide our Members with exceptional health insurance that's simple to understand and very affordable. Our focus is on providing excellent service and genuine value to our Members. We do not have external shareholders and profits are retained within the group to provide better benefits and services to our Members.

Queensland Country is the only regionally based health fund in Queensland and has six Retail Centres in Townsville, Ayr, Mackay, Rockhampton, Cairns and Mount Isa and has its head office based in Townsville.

We're more than just a health insurance provider. We genuinely care about our Members and their health and wellbeing, and we demonstrate this by providing exceptional health insurance products that are simple to understand, and best of all, are affordable for you and your family.

On 1 July 2023, Queensland Country Health Fund was acquired by HBF, Australia’s most trusted health insurer. Today, Queensland Country Health Fund continues to service needs of people living in regional Queensland.

This information is provided by the insurer

Queensland Country Health Fund provide further information regarding:

Agreement Hospitals

This fund has agreements with some private hospitals or day surgeries to provide services at low or no out-of-pocket costs. You can see Agreement Hospitals for this insurer and further details are available from the insurer.

Business Structure

This insurer operates on a for-profit basis.

Queensland Country Health Fund operates in the following states, Northern Territory and Queensland

Queensland Country Health Fund polices are sold under a number of different brands, including:

  • Territory Health Fund

Performance

This table compares this health insurer's performance on a range of factors. Some of this information has previously been published in the Private Health Insurance Ombudsman's State of the Health Funds report, available from the Ombudsman's website (www.ombudsman.gov.au). Please note information is not provided for some insurers in some states, as there are insufficient numbers reported for states in which the insurer does not have a large membership.

Ombudsman complaints compared to market share
All complaints 0.1% 0.4% market share
Investigated complaints 0%
Health Insurer Retention and Finances Industry result
Member retention (hospital cover) 87.6% 86.5%
Benefits as % of contributions 79.8% 81.1%
Management expenses % of contribution income 10.8% 10.8%
Management expenses per average policy $531 $413
Coverage ACT NSW VIC QLD SA WA TAS NT Australia
Hospital Related Charges Covered 76.0% 88.6% 89.4% 86.7% 91.4% 92.7% 85.3% 77.4% 86.8%
Industry Result 81.8% 88.7% 90.5% 88.9% 92.6% 92.4% 92.4% 88.6% 89.9%
Medical Services with No Gaps 83.2% 91.8% 87.3% 89.3% 93.9% 89.5% 89.7% 83.2% 89.3%
Industry Result 75.6% 89.3% 87.3% 87.8% 89.0% 88.9% 91.2% 86.7% 88.3%
Medical Services with No or Known Gaps 95.1% 97.2% 97.4% 97.3% 100% 96.3% 100% 93.9% 97.3%
Industry Result 91.2% 96.4% 97.8% 96.8% 99.3% 98.0% 98.8% 95.9% 97.2%
General Treatment (extras) Covered 39.9% 46.8% 42.8% 47.6% 46.9% 46.8% 42.9% 45.3% 47.4%
Industry Result 46.4% 48.4% 50.5% 51.4% 55.2% 55.9% 51.8% 57.7% 51.1%
Private Hospital Agreements 5 90 70 50 18 21 8 1 -
Industry Maximum 8 98 72 58 24 24 8 2 -
Day Hospital Agreements 8 90 68 44 24 20 4 2 -
Industry Maximum 9 104 79 54 30 29 9 2 -