Operating your Membership

Here's all the info that you need to operate your Membership.  

Online Member Services

Our Online Member Services (OMS) portal gives our Members control over their policy. Normally, you’d need to call us to make changes to your details or policy, but with our OMS, you simply need to login (or register) from the top corner of this website or below to access everything you need.

What you can do in the OMS:

  • Update your personal details
  • Make a Credit Card Payment 
  • Change your cover level (conditions apply if you upgrade your level of cover)
  • Access tax statements
  • View your claims history
  • View your limits and remaining benefits
  • Update payment details


How to pay Contributions

We have a number of flexible payment options, so you can choose the option that best suits you! You can choose to pay weekly, fortnightly, monthly, six monthly or yearly, whichever suits you. And best of all, there’s no hidden fees for paying more or less frequently – the overall premium price will be exactly the same, regardless of weekly or yearly payments. If you prefer to pay quarterly, six monthly or yearly, we’ll even send you a reminder notice as a courtesy.

We also have flexible options available for your method of payment. You can choose from credit card, Direct Debit, BPAY or BillPaying.

Credit card

Credit card* facilities are available for policy holders who prefer to pay via this option. Using your credit card allows you to pay your health insurance premium over the phone by calling 1800 813 415 or at a Health Fund Retail Centre, located in one of the following Queensland Country Credit Union branches - Willows Shopping Centre and Aitkenvale in Townsville, Mount Isa, Ayr and Caneland Central Mackay.

If you are registered for Online Member Services you are able to log in and make payment via credit card with an immediate response. You can also register for Online Member Services if you don't currently have access. The online registrations are automatically approved, so you will be able to log in to Online Member Services straight away.

These options allow you to pay your contributions when you want and also gives you control on the amount that you wish to pay. If you'd like more information on our credit card service, please contact us on 1800 813 415.

Direct Debit

Direct Debit facilities are available for Members who prefer to have their payment amount automatically deducted from an account or credit card. If you’d like to set up a direct debit, just nominate your account details on your application form or complete a Direct Debit Request form.


We also offer BPAY facilities, which allow you to pay your health insurance premium over the phone or internet from your financial institution. The BPAY biller code and your reference number appears on all statements. If you don’t receive regular statements (for example, if you pay weekly, fortnightly or monthly), just give us a call or email and we’ll be happy to supply you with our biller code and your reference number. You can also set up recurring BPAY payments so you never have to worry about missing a payment – just ask your financial institution.

SmartBudget Account

If you’re a Queensland Country Credit Union Member (or even if you’re not), payments can be arranged through a SmartBudget account. SmartBudget is a comprehensive budgeting and bill paying service that provides a fast, simple and convenient way to take care of your bills and expenses. If you’re interested or would like more information on SmartBudget, find out more by visiting the Queensland Country Credit Union website or any of the Credit Union’s branches.


All contributions are payable in advance. If a Member fails to pay contributions within two months (63 days) of the contribution due date, this may result in cancellation of both the membership and entitlement to benefits.


Going Overseas

So you’re going overseas? How exciting! You’re probably saving as hard as you can for your trip to experience everything there is to offer in the country you’re travelling to… so why pay for things you won’t use while you’re gone? If you’re heading out of the country for more than four weeks, but less than two years, have a chat to us about whether or not you’re eligible to apply for a suspension to your Membership.

Suspending your Membership means you’ll be able to put your payments on hold while you’re out of the country. We’ll still recognise you as a Member and honour all of the waiting periods you’ve served, and once you come back you can pick up right where you left off.

Of course, during this time you won’t be able to make any claims, but once your payments recommence, you’ll be good to go!

Don’t forget to approach your preferred insurer about travel insurance to cover you while you’re away – your travel insurance will cover any medical expenses that may crop up during your travels. Queensland Country Credit Union provides travel insurance options - give them a call on 1800 075 078 or get a quote online.

If you want to find out more about suspending your membership, contact us when you’re making your travel plans.


Non-payment on claims for non-financial members

Please note that it is the policy holder’s responsibility to ensure that payment amounts are correct and are paid in advance, to avoid any claims being rejected due to having an un-financial status.


Membership year

Your yearly limits and excesses are calculated from the anniversary date of when your membership was first established. So, if you first signed up with us on October 25, your limits and excess will reset each year on that date.