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For people who are based in rural and regional areas, it can be difficult to obtain quality healthcare. The Queensland Country Health Fund offers two types of hospital cover and four flavours of extras cover focused around providing affordable care to people who might not live in major metropolitan areas.
The Queensland Country Health Fund has operated since 1977, beginning operation as an open health fund under a management contract after a merger in 1999. It serves almost 60,000 members, primarily located in rural and regional Queensland, but offering healthcare nationwide at recognised hospitals.
Young and Select extras can be purchased separately or combined with Hospital cover, but Essential and Premium extras must be combined with one of the two Hospital plans above.
In 2019 the Australian government has introduced a new system of tiers designed to make health insurance easier to navigate and offer more flexibility. Health insurance plans have been split up into four tiers - Basic, Bronze, Silver and Gold - with each one having essential requirements for a plan to qualify for that tier.
Queensland Country Health Fund offers plus plans at the Bronze and Silver level, meaning they've added a little extra on top of the basic requirements for those tiers. This is intended to increase choice for consumers.
In accordance with the changes to private health care instituted by the government, young people are eligible for a discount based on their age when taking out a hospital or combined hospital and extras policy with Queensland Country Health Fund.
This discount is 2% off of your premiums for each year you are under 30 when purchasing health insurance. If you're aged 18-25, you'll receive the full 10% discount. This discount will remain in place until you hit the age of 41, at which point it will decrease by 2% per year until it hits zero.
In addition to the benefits you receive for taking out a hospital and/or extras plan, Queensland Country Health Fund provides the following to members:
Usually, when making a claim, all you need to do is swipe your membership card to have your claim processed on the spot.
You can also make easy claims by uploading receipts via their mobile claims app, email in a claims form with the appropriate documents, or do it face-to-face at one of their retail centres or Queensland Country Credit Union branch. Finally, you can claim up to $400 in benefits per day online using their online portal.
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I’m on the pension and need my Varicose Veins removed from my right leg, do I qualify and which cover do I opt for? I live in Cooroibah does that qualify as regional? Please advise asap as I’m needing to book an appointment soon.
Kind regards,
Hi Julie,
Thanks for getting in touch. finder.com.au is a comparison service and not Queensland Country Health Fund. You will need to contact Queensland Country Health by heading to its contact us page.
All the best,
Richard