Queensland Country Health Fund (QCH)
Queensland Country Health Fund is part of HBF one of Australia’s largest not-for-profit health insurers. 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.
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 not-for-profit basis.
Queensland Country Health Fund operates in the following states, Northern Territory and Queensland
Queensland Country Health Fund policies 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 | - |
Aitkenvale
QLD 4814