healthslips.com.au Policy Information

Queensland Country Health Fund

Singles & Couples (Basic+) $250 excess

$476.8 / month

(Before Rebate, Discount & Loading)

Available in QLD

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: Two adults (and no-one else).

Policy ID: QCH/H8/QAXF20

Source: Private Health Information Statement (PHIS)

Hospital Cover

  • This policy exempts you from the Medicare Levy Surcharge.
  • This policy provides accident cover - check with insurer for details.
  • This policy provides benefits for travel or accommodation outside of hospital - check with insurer for details.
Covered
Restricted Cover
Not Covered
This policy includes cover for
Assisted reproductive services
Back, neck and spine
Blood
Bone, joint and muscle
Brain and nervous system
Breast surgery (medically necessary)
Cataracts
Chemotherapy, radiotherapy and immunotherapy for cancer
Dental surgery
Diabetes management (excluding insulin pumps)
Dialysis for chronic kidney failure
Digestive system
Ear, nose and throat
Eye (not cataracts)
Gastrointestinal endoscopy
Gynaecology
Heart and vascular system
Hernia and appendix
Hospital psychiatric services
Implantation of hearing devices
Insulin pumps
Joint reconstructions
Kidney and bladder
Lung and chest
Male reproductive system
Miscarriage and termination of pregnancy
Pain management
Pain management with device
Palliative care
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registered podiatric surgeon)
Pregnancy and birth
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets
Weight loss surgery

This policy does not include cover for

Joint replacements

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.

The following payments may also apply for hospital admissions

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

The following waiting periods for hospital admissions apply to new or upgrading members

Waiting periods:

  • 2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
  • 12 months for other pre-existing conditions
  • 12 months for pregnancy and birth (obstetrics)
  • 2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

Designed for young singles and couples, it provides cover for services such as appendicitis treatment, knee reconstructions and the removal of wisdom teeth whilst excluding other services, which may not be relevant to your stage of life. No excess applies for Dependent Children up to and including 21 years

For further information about this policy see: https://www.queenslandcountry.health/siteassets/product-factsheet-download/singles-couples.pdf

Extras Cover

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/.

This policy includes General treatment (Extras) cover for
Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Acupuncture 2

$500 per person up to $300 per service up to $1,000 per policy

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services

  • Initial visit: $30
  • Subsequent visit: $30
Chinese medicine 2

$500 per person up to $300 per service up to $1,000 per policy

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services

  • Initial visit: $30
  • Subsequent visit: $30
Chiropractic 2

$500 per person up to $300 per service up to $1,000 per policy

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services

  • Initial visit: $42
  • Subsequent visit: $30
Dietetics/dietary advice 2

$500 per person up to $300 per service up to $1,000 per policy

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services

  • Initial visit: $55
  • Subsequent visit: $35
Endodontic 12

$500 per person up to $1,000 per policy

combined limit for endodontic & major dental

  • Filling of one root canal: $128
General dental 2

$500 per person up to $1,000 per policy

  • Fluoride treatment: $18
  • Scale & clean: $67
  • Periodic oral examination: $42
Health management / Healthy lifestyle 2

$125 per person up to $250 per policy

  • Health management: $125
Major dental 12

$500 per person up to $1,000 per policy

combined limit for endodontic & major dental

  • Surgical tooth extraction: $135
  • Full crown veneered: $500
Non PBS pharmaceuticals 2

$150 per person up to $300 per policy

combined limit for non pbs pharmaceuticals & vaccinations

sub-limits apply

  • Per eligible prescription: $45
Optical 2

$225 per person up to $450 per policy

  • Multi-focal lenses & frames: $225
  • Single vision lenses & frames: $225
Orthodontic 12

$500 per person

$1,000 lifetime limit

  • Braces for upper & lower teeth, including removal plus fitting of retainer: $500
Orthotics (podiatric orthoses) 2

$500 per person up to $300 per service up to $1,000 per policy

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services

  • Orthotics supply & fit: 100% of charge
Osteopathy 2

$500 per person up to $300 per service up to $1,000 per policy

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services

  • Initial visit: $42
  • Subsequent visit: $30
Physiotherapy 2

$400 per person up to $800 per policy

  • Initial visit: $42
  • Subsequent visit: $37
Podiatry 2

$500 per person up to $300 per service up to $1,000 per policy

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services

  • Initial visit: $30
  • Subsequent visit: $30
Remedial massage 2

$500 per person up to $300 per service up to $1,000 per policy

combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services

  • Initial visit: $35
  • Subsequent visit: $35
Vaccinations 2

$150 per person up to $300 per policy

combined limit for non pbs pharmaceuticals & vaccinations

  • Per service: $45

Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $300 per service up to $1,000 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $300 per service up to $1,000 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $300 per service up to $1,000 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $30}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $300 per service up to $1,000 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $55}

{Subsequent visit: $35}

Endodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $1,000 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: $128}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $1,000 per policy}

Examples of maximum benefits

{Fluoride treatment: $18}

{Scale & clean: $67}

{Periodic oral examination: $42}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$125 per person up to $250 per policy}

Examples of maximum benefits

{Health management: $125}

Major dental

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $1,000 per policy}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Surgical tooth extraction: $135}

{Full crown veneered: $500}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person up to $300 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

{sub-limits apply}

Examples of maximum benefits

{Per eligible prescription: $45}

Optical

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$225 per person up to $450 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: $225}

{Single vision lenses & frames: $225}

Orthodontic

Waiting period:  12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{$1,000 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $500}

Orthotics (podiatric orthoses)

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $300 per service up to $1,000 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services}

Examples of maximum benefits

{Orthotics supply & fit: 100% of charge}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $300 per service up to $1,000 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $30}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $800 per policy}

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $37}

Podiatry

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $300 per service up to $1,000 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $30}

{Subsequent visit: $30}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person up to $300 per service up to $1,000 per policy}

{combined limit for acupuncture, chinese medicine, chiropractic, dietetics/dietary advice, orthotics (podiatric orthoses), osteopathy, podiatry, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $35}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person up to $300 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $45}

This policy does not include General treatment (Extras) cover for

Ante-natal/Post-natal classes
Audiology
Blood glucose monitors
Exercise physiology
Eye therapy (orthoptics)
Hearing aids
Home nursing
Occupational therapy
Psychology
Speech therapy

Other features of this general treatment cover: 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.

For further information about this policy see: https://www.queenslandcountry.health/siteassets/product-factsheet-download/singles-couples.pdf

Ambulance cover

Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au). This includes cover whilst interstate.

For further information about this policy see: https://www.queenslandcountry.health/cover-options/ambulance-cover/

Insurer Details

Queensland Country Health Fund

Singles & Couples (Basic+) $250 excess

$476.8 / month

(Before Rebate, Discount & Loading)

Available in QLD

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/QCH/H8/QAXF20

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