per week

Price quoted is for Value Plus Hospital cover standalone for a single in Queensland, including a 24.515% Australian Government Rebate with a $500 excess.

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Our most extensive hospital product

Value Plus Hospital cover is our most extensive hospital product – it’s most popular with people who want greater peace of mind, paying benefits for a wide range of inpatient hospital services like pregnancy, heart related procedures, major eye surgery and joint replacement surgery.

Best suited for couples, singles and families wanting our highest level of hospital cover.


  • Our highest level of hospital cover
  • Cover for private hospital accommodation^
  • Doctors’ fees for services provided in a hospital^
  • Cover for most major surgeries^
  • Choose from a $250 or $500 excess
  • Access to our Care Navigation service
  • Excellent benefits for mechanical aids and appliances
  • Combine with any of our extras products

^ Once all applicable waiting periods have been served. Some services are excluded or restricted on this level of cover; for these services there is no benefit payable (excluded services) or reduced benefit entitlement (restricted services). See below for further details.

What you're covered for

Everything you're covered for under our Value Plus Hospital cover
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Your choice of doctor or hospital

With private hospital cover, you'll avoid potentially long public hospital waiting times and can choose to be treated by your preferred doctor.

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Private hospital accommodation

Accommodation in a private hospital for surgeries and other inpatient procedures not listed as a restricted or excluded service.

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Theatre fees

Fees that a hospital charge for the usage of the operating room and equipment.

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Surgically implanted prostheses

Surgically implanted stents, screws and plates (for fractures) and pacemakers. Prosthesis benefits as per the Government listing.

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Intensive care

For time required to be spent in intensive care.

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Tonsils and adenoids removal

Surgery to remove the adenoids and tonsils.

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Appendix removal

Removal of the appendix.

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Cover for colonoscopies, which is a prodedure to examinate the colon (large intestine or bowel).

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Grommets in ears

For treatment of conditions affecting the middle ear.

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Gynaecological services

Cover for gynaecological treatments in hospital.

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Hernia repair

Treatment for hernias provided in hospital.

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Joint reconstructions

Reconstructive surgeries for shoulders, knees, etc.

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Back surgery

Including herniated discs and vertebral fusion surgeries.

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Brain surgery

Including biopsies and craniotomy.

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Plastic and reconstructive surgery

Surgical specialty involving the restoration, reconstruction, or alteration of the human body (excludes cosmetic surgery).

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In-hospital rehabilitation treatment

Rehabilitation for hospital services with a restricted benefit entitlement will have reduced benefit eligibility.  Rehabilitation services for hospital services with that are excluded will receive no benefit.  

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Access Gap cover

A benefit over and above the Medicare Benefits Schedule for participating doctors on inpatient services.

We'll do our best to avoid the jargon to help make your cover easy to use and understand, but there's some that are ticky to ignore. We recommend getting to know the difference between 'inpatient' Vs 'outpatient' services. Hospital accommodation and medical costs can only be paid if you're an 'inpatient' and admitted to hospital or day surgery at the time of treatment.

Learn the jargon and familiarise yourself with our glossary here and get to know all about Access Gap cover.

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Nursing home type patients

We pay a benefit towards a nursing home patient. This amount is determined by the Federal Government. Certification is required.

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Public hospital accommodation as a private patient in a shared room

If you need to have treatment in a public hospital, you'll be treated as a private patient in a shared room.

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Assisted reproductive services

Includes services such as IVF.

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Heart related surgeries

Cardiac and cardiac related services, for example, open heart surgery.

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Major eye surgery

Includes cataract surgery and surgery for other major eye conditions. Does not include laser surgery to restore vision.

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Renal dialysis

Treatment for kidney failure, for example, chronic renal failure.

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Hip and knee joint replacement surgey

Surgery that involves complete removal of the damaged joint and tissues to be replaced with an artificial prosthesis.

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Mechanical appliances and artificial aids and appliances

Under our mechanical aids and appliances benefit on our Value Plus Hospital cover, we pay up to 85% of the cost of a selected range of mechanical aids and appliances approved by Queensland Country, such as a blood pressure monitor, glucometer, tens machine, crutches, walking frames, wigs etc.

A limit of $2,000 per person per Membership Year applies. Sublimits may apply to benefits for some aids or appliances.

Benefits are not available on second hand equipment or on consumables. For some mechanical aids, the benefit is for short term hiring (up to 3 months). The purchase of some machines and monitors are limited to once every 3 years from the initial date of purchase (see the next section on benefit replacement periods).

A letter of referral from your doctor or practitioner and/or evidence of a recent medical episode or hospitalisation may be required to accompany a claim for benefits.

Please contact us before purchasing an aid or appliance to check these requirements and what benefits may be payable. Cover for mechanical aids and appliances is not available on our Value Hospital.

Benefit replacement period

A benefit replacement period applies to certain mechanical aids and appliances. This
means once you’ve been paid a benefit for a particular aid, you’ll need to wait a period of
three years from the date of purchase of the item before you’re entitled to a benefit for the
replacement of that item. Benefit replacement periods apply per Member.

3 years

Blood glucose monitors (glucometer)

Blood pressure monitor

Tens machine (not circulation booster)

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Mammograms and bone density test

Benefit up to $75 limited to 2 services for each of the these tests, only if not claimable from another source. The Membership Year limit is $300 per person covered.

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Hearing aids

A benefit amount is provided to use over three Membership Years based on the date of which the purchase of a hearing aid/s is made. The benefit limit applies based on your length of membership with Queensland Country.

  • up to 10 years $1,000,
  • 10-15 years $1,500, and
  • 15 years+ $2,000.

Benefits are per person and are calculated at 85% of purchase cost up to the appropriate benefit limit.

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Australian Hearing Services

Benefit of $25 per Membership Year per eligible person for the cost of a Hearing Services Card.

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Nursing services

A benefit up to $50 per visit or $150 per day, up to $1,000 per person per membership year is payable for:

  • Bush nursing services provided by a registered nurse employed at a public hospital or bush nursing centre where there is no resident medical practitioner
  • Home nursing services provided by a registered nurse in private practice

A benefit up to $150 per day, up to $750 per person per membership year is payable for clinically relevant special nursing provided by a registered nurse in private practice.

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Hospital boarder

Benefits up to $35 per day to a maximum of four days per person, where such accommodation is necessary for the wellbeing of the patient.

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Care Navigation

Care Navigation provides assistance immediately following a period of time in hospital or for those living with one or more chronic diseases.