(before any rebate, loading or discount)
Covers two adults & dependants (3 or more people, only 2 of whom are adults)
Available in Northern Territory
Closed to new members
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading, an age-based discount or an insurer discount. Check with your insurer for details.
This policy covers children and other dependants up to and including the age of 20, students up to and including the age of 31, as well as persons with a disability who qualify as a child or other dependant or student in these age ranges.
This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover and benefits for travel or accommodation (outside of hospital) - check with your insurer for details.
| Assisted reproductive services | Eye (not cataracts) | Miscarriage and termination of pregnancy |
| Back, neck and spine | Gastrointestinal endoscopy | Pain management |
| Blood | Gynaecology | Pain management with device |
| Bone, joint and muscle | Heart and vascular system | Palliative care |
| Brain and nervous system | Hernia and appendix | Plastic and reconstructive surgery (medically necessary) |
| Breast surgery (medically necessary) | Hospital psychiatric services | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Cataracts | Implantation of hearing devices | Pregnancy and birth |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Insulin pumps | Rehabilitation |
| Dental surgery | Joint reconstructions | Skin |
| Diabetes management (excluding insulin pumps) | Joint replacements | Sleep studies |
| Dialysis for chronic kidney failure | Kidney and bladder | Tonsils, adenoids and grommets |
| Digestive system | Lung and chest | Weight loss surgery |
| Ear, nose and throat | Male reproductive system |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: You will have to pay an excess of $250 per admission. This is limited to a maximum of $250 per person and $500 per policy per year.
Co-payments: No co-payments
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
No excess applies for Dependent Children up to and including 21 years
https://www.queenslandcountry.health/siteassets/product-factsheet-download/top_young_care.pdf
By using this health insurer's "preferred providers" you will have lower out-of-pocket costs on selected allied health services and have access to more "no gap" services. See https://www.queenslandcountry.health/provider-search/premier-provider-network/.
| Note, for items marked with an asterisk *: Hearing aid limit increases with length of membership – up to 10 years $1,000, 10-15 years $1,500, and 15 years + $2,000. Benefits on the purchase (or hire where applicable) of Health Appliances and Services approved by Queensland Country Health Fund with a limit of $2,000 per person per Membership Year (sub-limits and benefit replacement periods apply to some items). Please contact Queensland Country Health Fund regarding benefit availability prior to purchasing an Appliance or Service. | |||
|---|---|---|---|
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
| General dental | 2 | $500 per person up to $1,000 per policy (combined limit for general dental & major dental) | Periodic oral examination - $42.00 Scale & clean - $67.00 Fluoride treatment - $18.00 |
| Major dental | 12 | Surgical tooth extraction - $135.00 Full crown veneered - $500.00 | |
| Optical | 2 | $225 per person up to $450 per policy | Single vision lenses & frames - $225.00 Multi-focal lenses & frames - $225.00 |
| Non PBS pharmaceuticals | 2 | $150 per person up to $300 per policy (combined limit for non pbs pharmaceuticals & vaccinations) | Per eligible prescription - $45.00 |
| Physiotherapy | 2 | $400 per person up to $800 per policy (Sub-limits apply) | Initial visit - $42.00 Subsequent visit - $37.00 |
| Chiropractic | 2 | $500 per person up to $300 per service up to $1,000 per policy (combined limit for chiropractic, podiatry, acupuncture, remedial massage, chinese medicine, orthotics (podiatric orthoses) & osteopathy) | Initial visit - $42.00 Subsequent visit - $30.00 |
| Podiatry | 2 | Initial visit - $30.00 Subsequent visit - $30.00 | |
| Acupuncture | 2 | Initial visit - $30.00 Subsequent visit - $30.00 | |
| Remedial massage | 2 | Initial visit - $35.00 Subsequent visit - $35.00 | |
| Hearing aids* | 12 | $1,000 limit renews every 3 Membership Years | Hearing aid - 100% of charge |
| Blood glucose monitors* | 12 | $2,000 per person 1 appliance(s) every 3 years (combined limit for blood glucose monitors & other services, Sub-limits apply) | Per monitor - 100% of charge |
| Chinese medicine | 2 | Combined limit - see Chiropractic | Initial visit - $30.00 Subsequent visit - $30.00 |
| Health management / Healthy lifestyle | 2 | $125 per person up to $250 per policy | Health management - $125.00 |
| Home nursing | 12 | $1,000 per person Sub-limits apply | Initial visit - $50.00 Subsequent visit - $50.00 |
| Orthotics (podiatric orthoses) | 2 | Combined limit - see Chiropractic | Orthotics supply & fit - 100% of charge |
| Osteopathy | 2 | Combined limit - see Chiropractic | Initial visit - $42.00 Subsequent visit - $30.00 |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $45.00 |
| Endodontic | Psychology |
| Orthodontic | Other treatments - check with your insurer |
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.
https://www.queenslandcountry.health/siteassets/product-factsheet-download/top_young_care.pdf
In Northern Territory this policy provides:
Emergency: with a waiting period of 1 day, limited to 1 services per year.
Call-out fees: will not be paid.
This product provides Australia wide cover for one emergency ambulance transport service or on-the-spot emergency treatment per person per Membership Year . Other conditions apply – for more information please visit https://www.queenslandcountry.health/cover-options/ambulance-cover/.
https://www.queenslandcountry.health/cover-options/ambulance-cover/
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.