Budget Hospital (Basic+) & Young Extras
A Basic Plus hospital and extras policy from Queensland Country Health Fund.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement Queensland Country Health Fund files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, $750 excess, before the rebate.
- Medicare levy surcharge
- Exempts you
- Excess options
- $750
- Ambulance
- Emergency only
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Queensland Country Health Fund's page for this policyAgainst every other Basic hospital and extras policy in NSW & ACT
Single cover, each policy at its cheapest excess, counting policies anyone can buy.
- Basic95 policies$177.9144th cheapest of 95
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
$750 excessat most $1,500 a year for couples and families
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $177.91 | $355.82 | $355.82 | $300.69 | $451.89 | $381.60 |
| VIC | $177.91 | $355.82 | $355.82 | $300.69 | $451.89 | $381.60 |
| QLD | $175.68 | $351.36 | $351.36 | $296.23 | $446.22 | $375.93 |
| SA | $177.91 | $355.82 | $355.82 | $300.69 | $451.89 | $381.60 |
| WA | $177.91 | $355.82 | $355.82 | $300.69 | $451.89 | $381.60 |
| TAS | $177.91 | $355.82 | $355.82 | $300.69 | $451.89 | $381.60 |
| NT | $102.39 | $204.78 | $204.78 | $176.70 | $260.07 | $224.27 |
10 of 38 clinical categories covered in full, 3 restricted
Restricted means the policy pays only the minimum, about what a public hospital charges, so a private hospital stay can leave a large bill. Not covered means the policy pays nothing for that treatment in hospital.
- Covered in full10
- Restricted3
- Not covered25
Covered 10
- Bone, joint and muscle
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Hernia and appendix
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Miscarriage and termination of pregnancy
- Skin
- Tonsils, adenoids and grommets
Restricted 3
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered 25
- Assisted reproductive services
- Back, neck and spine
- Blood
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Implantation of hearing devices
- Insulin pumps
- Joint replacements
- Male reproductive system
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Sleep studies
- Weight loss surgery
Waiting periods
- Pre-existing conditions
- 12 months
- Pregnancy and birth
- 12 months
- Psychiatric, rehabilitation and palliative care
- 2 months
- All other hospital treatment
- 2 months
Excess and other costs
Excess options: $750, paid when you are admitted.
Offers the age-based discount for people who join between 18 and 29.
From the insurer: No excess applies for Dependent Children up to and including 21 years
Pays towards 14 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalshared with major dental$500typical policy $800
- Major dentalshared with general dental$500typical policy $1,000
- Optical$225typical policy $220
- Physiotherapy$400typical policy $450
- Chiropracticshared with 6 other services$500typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$42.00typical policy $35.20
- Scale and clean (item 114)$67.00typical policy $66.85
- Full crown, veneered (item 615)$500.00typical policy $773.80
- Single vision lenses and frames$225.00typical policy $220.00
- Physiotherapy, first visit$42.00typical policy $42.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dental | 2 months | $500shared with major dental | $1,000 | Periodic oral exam (item 012): $42.00Scale and clean (item 114): $67.00Fluoride treatment (item 121): $18.00 |
| Major dental | 12 months | $500shared with general dental | $1,000 | Surgical extraction (item 322): $135.00Full crown, veneered (item 615): $500.00 |
| Optical | 2 months | $225 | $450 | Multifocal lenses and frames: $225.00Single vision lenses and frames: $225.00 |
| Non-PBS medicines | 2 months | $150shared with vaccinations | $300 | Non-PBS prescription: $45.00 |
| Physiotherapy | 2 months | $400 | $800 | Physiotherapy, first visit: $42.00Physiotherapy, later visit: $37.00 |
| Chiropractic | 2 months | $500, $300 a visitshared with 6 other services | $1,000 | Chiropractic, first visit: $42.00Chiropractic, later visit: $30.00 |
| Podiatry | 2 months | $500, $300 a visitshared with 6 other services | $1,000 | Podiatry, first visit: $30.00Podiatry, later visit: $30.00 |
| Acupuncture | 2 months | $500, $300 a visitshared with 6 other services | $1,000 | Acupuncture, first visit: $30.00Acupuncture, later visit: $30.00 |
| Remedial massage | 2 months | $500, $300 a visitshared with 6 other services | $1,000 | Remedial massage, first visit: $35.00Remedial massage, later visit: $35.00 |
| Chinese herbal medicine | 2 months | $500, $300 a visitshared with 6 other services | $1,000 | Chinese herbal medicine, first visit: $30.00Chinese herbal medicine, later visit: $30.00 |
| Health management programs | 2 months | $125 | $250 | Health management program: $125.00 |
| Orthotics | 2 months | $500, $300 a visitshared with 6 other services | $1,000 | Orthotics: 100% |
| Osteopathy | 2 months | $500, $300 a visitshared with 6 other services | $1,000 | Osteopathy, first visit: $42.00Osteopathy, later visit: $30.00 |
| Vaccinations | 2 months | $150shared with non-pbs medicines | $300 | Vaccination: $45.00 |
Not covered: endodontic (root canals), orthodontics, psychology, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, dietetics, exercise physiology, orthoptics, home nursing, occupational therapy, speech therapy.
From the insurer: Health management (Healthy Living benefit) provides benefits towards the costs of metabolic dieticians or nutritionists consultations to assist with weight management, diabetes education consultations, quit smoking programs, skin checks for skin cancers (except where there is a Medicare benefit), bowel screening and bone density tests, a second yearly prostate specific antigen test not covered by Medicare, supermarket tours conducted by a dietitian or other allied health professional qualified to provide nutrition advice, and gym memberships/personal training sessions provided under an approved health management or chronic disease management program. Please contact the insurer for full details.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.