Territory Health Fund Insurance

Designed for those in the Northern Territory, Territory Health Fund provides two hospital policies and four extras options for varying needs.

Tim Bennett's headshot

By

Tim Bennett

Updated

Fact checked
Who’s this health cover for?
  • No spam calls
  • See prices instantly

Key takeaways

  • Originally for NT residents, this not-for-profit fund is now available nationally.
  • Choose from two hospital and four extras policies with ongoing member benefits.
  • Young people under 30 may get a discount; premiums often increase below average.

Pros

  • Territory Health Fund specifically services the top end, but it's available to all Australians that want to join.
  • Along with the companies that own it (Queensland Country Health, which is now owned by HBF), Territory Health is a not for profit fund.

Cons

  • It's got a pretty limited choice of hospital coverage options, just a silver plus and a bronze plus policy. That could be a good thing if choice anxiety is a problem, but it does limit your options a bit.
  • Territory Health is pretty middle of the road in the stats collected by the private health insurance ombudsman. That said, HBF is near the top of many of these metrics, and now owns Territory Health, so these metrics could change in coming years.

Who is Territory Health Fund?

Territory Health Fund is health insurance designed for people living in the Northern Territory. Formerly the Mount Isa Mines Employees Health Society and now operated by Queensland Country Health Fund, THF has been providing value for money health cover to more than 23,000 families across the Top End for over 40 years.

Unlike many other health funds, they allow you to choose your own health care providers without affecting the benefits paid and they have a strong track record of value for members, having increased benefits and added new ones every year over the last 7 years and kept premium increases below the industry average for the past decade.

What health insurance options are available?

Hospital cover

  • Better Hospital cover (Silver Plus). THF's most comprehensive hospital cover, good for people who want great peace of mind, covering you for a wide range of inpatient hospital services like pregnancy, heart-related procedures, major eye surgery and joint replacement surgery.
  • Vital Hospital cover (Bronze Plus). Great value mid-level cover, ideal if you are young or a healthy person who doesn't want to pay for hospital services you're less likely to need.

Extras cover

  • Young Extras. A standalone product that can be bought separately by those wanting basic cover for general dental, optical, physio and a small range of other therapies.
  • Select Extras. Ideal for singles, couples and families with young children who only want cover for the most popular services, including general and major dental, optical, physio, chiro and podiatry.
  • Essential Extras. Includes benefits for a comprehensive range of services including dental, optical, physio and chiro, covering all the therapies in Premium Extras with lower benefit amounts.
  • Premium Extras. Top extras cover providing benefits for a comprehensive range of therapies including dental, optical, physio and chiro, with higher benefit amounts than Essential Extras and generous annual limits.

Ambulance cover

THF provides nationwide emergency ambulance cover for those covered under one of their hospital products (excluding Queensland and Tasmania).

Young people discount

Thanks to government reforms to private health insurance, introduced on the 1st of April 2019, younger people can now get a discount if they have hospital cover. Insurers are able to offer premium discounts of 2% per year if you are under 30 when you first purchase insurance. All of Territory Health Fund's hospital or hospital and extras packages provide this young person discount.

Member offers

THF rewards their customers' loyalty with a number of member offers to sweeten the deal.

  • Once you've held cover under either Essential or Premium Extras for a year, THF automatically increase your overall annual claim limits for dental services (excluding orthodontics) and their full range of therapies by $50 per year for five years, and then honour this for the life of your policy.
  • Reduce any out-of-pocket expenses by checking if your specialist will participate in our Access Gap Scheme. You can search for doctors who have participated in the scheme on the THF website.
  • Receive discounts from Optical Premier Providers including OPSM, Laubman and Pank, Specsavers, Clearly.com.au and certain NT locations of The Optical Superstore.
  • The Healthy Living benefit is covered under all policies and will pay up to $150 per person per membership year to assist you with:
        • Participate in weight management programs
        • Participate in quit smoking programs
        • Participate in other approved health management programs including:
        • Gym Membership
        • Personal Training programs
        • Aquatic exercise/rehabilitation including pool entry and exercise classes (excludes swim classes/lessons)
        • Have your skin checked for skin cancers through mole mapping
        • Consultation fees for Diabetes Educator
        • Consultation fees for Metabolic dieticians and nutritionists when providing assistance with weight management
        • Bowel Screening tests and Bone Density tests (no doctors referral will be required)
        • PSA Test (one per year). Territory Health Fund will cover a second yearly test not covered by Medicare.

How to make a claim

There are several easy ways to make a claim with THF;

  • On-the-spot. If your healthcare provider has a HICAPS or CSC HealthPoint electronic claiming facility, you can just pay the difference on-the-spot.
  • Online. Simply log into Online Member Services and follow the instructions to lodge a claim. Just enter the details from your receipts, click the submit button and any benefit entitlement will be paid into your nominated bank account normally within two business days.
  • Email. Download and complete the claim form and email a scanned copy along with your receipts and bank account details to info@territoryhealth.com.au.

Frequently asked questions

Sources

Tim Bennett's headshot
Written by

Insurance expert
Add to Preferred Sources

A seasoned journalist with over 10 years of experience in news, politics and finance reporting, Tim has previously held roles at the ABC, SBS and Fairfax Media. Tim’s expert insights have been quoted in The Australian, The Daily Telegraph, The Courier Mail and more. He regularly appears on TV and radio, and has been interviewed on 7 News, Sunrise, SBS News, ABC Local, 3AW and 5AA. Tim is passionate about simplifying complex insurance topics for Australian consumers. He holds a Bachelor of Arts (Politics) from Macquarie University and a Tier 1 General Insurance (General Advice) certification, which meets the requirements of ASIC Regulatory Guide 146 (RG146). If you’re interested in a media interview with Tim, please reach out to our PR team at aupr@finder.com. See full bio

Tim's expertise
Tim has written 138 Finder guides across topics including:
  • Personal finance
  • Financial comparison
  • Health insurance
  • General insurance
  • Life insurance
More resources on Finder

Get rewarded $$ for switching with Finder Rewards

Find a better deal, save on your bills and get a free gift card. Sign up to be the first to hear about new Finder Rewards.

More guides on Finder

  • Frank health insurance review

    Frank Insurance, owned by GMHBA, aims to make health insurance simple, easy to understand and affordable.
  • TUH Health Fund Review

    Ideal for teachers in Queensland and their families, TUH Health Fund provides a range of budget and high coverage options for your health.
  • HCF health insurance review

    HCF picked up two accolades in the 2024 Finder Health Insurance Awards but its complaint record could be better.
  • Australian Unity health insurance review

    Looking for health cover but aren't sure which policy is best? This article looks at Australian Unity's health insurance options and helps you decide whether any of its policies are what you need.
  • Mildura Health Fund review

    The regional health fund has limited choice, with only two levels of hospital cover. But, it does offer some impressive perks too.
  • AAMI Health Insurance review

    Is AAMI Health Insurance right for you? Find out more about its policies in our quick review.
  • 2026 Health Insurance Statistics

    We looked at the statistics to see whether Australians really are ditching their private health insurance.
  • IMAN Health Insurance Visitor Cover Review

    IMAN is different because it only offers health insurance for visitors to Australia and policies that meet visa requirements.

  • GU Health review

    Grand United Corporate Health (GU Health) is a specialist in corporate health insurance providing a comprehensive range of tailored hospital, extras and combined cover options for over 300 companies.

  • HIF health insurance review

    As a not-for-profit brand, HIF is able to offer low premiums across both hospital and extras policies.
Go to site