Compare hospital covers
|Top hospital cover||Intermediate hospital cover||Smart Start|
|Level of cover|
|What you're covered for||For services provided in a private or public hospital||For services provided in a private or public hospital||Smart Start is only available with Smart Start Extras|
For services provided in a private or public hospital
|For services provided in a public hospital|
|Please note that waiting periods may apply (including those for pre-existing conditions) and some products have restrictions, exclusions, benefit limitation periods, excesses and limits.|
|Excess options||nil excess|
|Choice of Doctor/Hospital|
|Private Hospital Accommodation|
|Public Hospital Accommodation as a Private Patient (Shared Room)|
|Surgically implanted prosthesis benefits||^|
|Obstetric related services|
|Assisted reproductive services|
|In-hospital psychiatric treatment|
|In-hospital rehabilitation treatment|
|Major eye surgery|
|Hip and knee joint replacement surgery|
|Plastic and reconstructive surgery|
(hospital treatment for which Medicare pays no benefit)
|Gastric banding and obesity surgery|
|Access gap cover|
|Nursing home type patients*|
|Mechanical appliances and artificial aids#|
|Mammograms and bone density test|
|Australian hearing services|
^ Some surgically implanted prostheses may be an excluded benefit under Smart Start cover, therefore no benefit would be payable in this circumstance; for example, hip replacement.
* For hospital services or treatments that have Restricted benefit availability under Intermediate Hospital cover, no benefit is paid towards the cost of theatre charges raised for inpatient services in a private hospital or day surgery. If you have chosen Public Hospital cover and are an inpatient at a private hospital or day surgery, you will have a benefit entitlement to the default rate benefit for shared ward accommodation in a public hospital only.
# Benefits are not available on second hand equipment or on consumables. A benefit is payable for short term hiring (up to 3 months) of some mechanical aids. The purchase of some machines and monitors are limited to once every three membership years. Waiting periods will apply to all benefits outlined.
Benefits will be paid for this service
|Benefit Limitation Period|
Hospital benefits payable on these hospital services during the designated benefit limitation period will be the minimum benefit declared by the Minister for Health and Ageing, except when a waiting period is being served, in which case no benefit applies. Find out more about Benefit Limitation Periods.
If a service is covered as a restricted benefit, this means you will be covered with your choice of doctor for shared ward accommodation in a public hospital only. If you go to a private hospital for a service with restricted benefits, it is likely to result in large out-of-pocket expenses.
If a service is an excluded benefit, this means that the service or condition won't be covered by your health insurance policy, meaning we won’t pay a benefit towards these services.
When you choose private hospital cover, you can choose the level of excess you want to pay. An excess is the amount you agree to pay towards the cost of your hospital treatment on admission, in exchange for lower premiums. The higher the level of excess, the lower your premium will be, as you agree to pay a larger sum towards your hospital costs.
At Queensland Country, the maximum excess that applies per person within any one Membership year is $250 or $500, depending on the chosen excess option, regardless of the number of times you’re admitted to hospital.
|Excess Options||Maximum excess per Membership year|
Even on a family membership, regardless of the number of people covered, you’ll only pay the excess once per individual, to a maximum of two excess payments, for the entire family within your Membership year. This means a maximum of $500 on a $250 excess option, or $1,000 for a $500 excess option.
Also, under our Top Hospital Cover, we don’t charge any excess on children up to and including the age of 10, if they need to be admitted to hospital for medical treatment.
*The excess exemption for children 10 years and under is NOT applicable under our Intermediate Hospital Cover and Smart Start Singles and Couples Cover, combined hospital and extras product. It is exclusive to our range of Top Hospital Cover only.
Your chosen excess applies to the full cost of hospitalisation at a public, private or day hospital facility. Once the excess has been paid, we take care of the rest, so you can enjoy the full benefits of your private health insurance.
Other important information
There are some important things you need to know about your cover. Visit the links below to find out more.
- Waiting periods
- Cooling off period
- Pre-existing conditions
- Agreement hospitals
- Access Gap cover