healthslips.com.au Policy Information

Queensland Country Health Fund

Vital Hospital (Bronze+) $250 excess & Young Extras

$457.61 / month

(Before Rebate, Discount & Loading)

Available in VIC

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 & dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17), non-classified* dependant (18 - 20) and students (21 - 31), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: Still allowed on a Family Policy

Policy ID: QCH/HY7/VMBB2D

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
Back, neck and spine
Blood
Bone, joint and muscle
Brain and nervous system
Breast surgery (medically necessary)
Chemotherapy, radiotherapy and immunotherapy for cancer
Dental surgery
Diabetes management (excluding insulin pumps)
Digestive system
Ear, nose and throat
Eye (not cataracts)
Gastrointestinal endoscopy
Gynaecology
Hernia and appendix
Hospital psychiatric services
Joint reconstructions
Kidney and bladder
Lung and chest
Male reproductive system
Miscarriage and termination of pregnancy
Pain management
Palliative care
Plastic and reconstructive surgery (medically necessary)
Podiatric surgery (provided by a registered podiatric surgeon)
Rehabilitation
Skin
Tonsils, adenoids and grommets

This policy does not include cover for

Assisted reproductive services
Cataracts
Dialysis for chronic kidney failure
Heart and vascular system
Implantation of hearing devices
Insulin pumps
Joint replacements
Pain management with device
Pregnancy and birth
Sleep studies
Weight loss surgery

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

If you are young and healthy and are not planning a family, this cover may be for you. Benefits for some hospital services are restricted or excluded to keep the premium more affordable. No excess applies for Dependent Children up to and including 21 years

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, orthotics (podiatric orthoses), osteopathy, podiatry & remedial massage

  • 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, orthotics (podiatric orthoses), osteopathy, podiatry & remedial massage

  • 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, orthotics (podiatric orthoses), osteopathy, podiatry & remedial massage

  • Initial visit: $42
  • Subsequent visit: $30
General dental 2

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

combined limit for general dental & major dental

  • 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 general dental & 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

  • Per eligible prescription: $45
Optical 2

$225 per person up to $450 per policy

  • Multi-focal lenses & frames: $225
  • Single vision lenses & frames: $225
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, orthotics (podiatric orthoses), osteopathy, podiatry & remedial massage

  • 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, orthotics (podiatric orthoses), osteopathy, podiatry & remedial massage

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

$400 per person up to $800 per policy

sub-limits apply

  • 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, orthotics (podiatric orthoses), osteopathy, podiatry & remedial massage

  • 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, orthotics (podiatric orthoses), osteopathy, podiatry & remedial massage

  • 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, orthotics (podiatric orthoses), osteopathy, podiatry & remedial massage}

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, orthotics (podiatric orthoses), osteopathy, podiatry & remedial massage}

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, orthotics (podiatric orthoses), osteopathy, podiatry & remedial massage}

Examples of maximum benefits

{Initial visit: $42}

{Subsequent visit: $30}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

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

{combined limit for general dental & major dental}

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 general dental & 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}

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}

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, orthotics (podiatric orthoses), osteopathy, podiatry & remedial massage}

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, orthotics (podiatric orthoses), osteopathy, podiatry & remedial massage}

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}

{sub-limits apply}

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, orthotics (podiatric orthoses), osteopathy, podiatry & remedial massage}

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, orthotics (podiatric orthoses), osteopathy, podiatry & remedial massage}

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
Dietetics/dietary advice
Endodontic
Exercise physiology
Eye therapy (orthoptics)
Hearing aids
Home nursing
Occupational therapy
Orthodontic
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.

Ambulance cover

In VIC this policy provides:

Emergency: With a waiting period of 1 day, limited to 1 service per year.

Call-out fees: Will not be paid.

Other features of this ambulance cover: This product provides Australia wide cover for one emergency ambulance transport service or on-the-spot emergency treatment per person per Membership Year Australia wide. Other conditions apply – for more information please visit https://www.queenslandcountry.health/cover-options/ambulance-cover/.

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

Insurer Details

Queensland Country Health Fund

Vital Hospital (Bronze+) $250 excess & Young Extras

$457.61 / month

(Before Rebate, Discount & Loading)

Available in VIC

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/HY7/VMBB2D

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