Health insurance should be more than just set and forget insurance for when something goes wrong and you really need it. Our goal is to improve the health and wellbeing of our Members by providing market leading benefits on hospital and day surgery admissions and extras therapies and services, offering excellent service to Members and by keeping it affordable.

The Health Fund is the only one based in regional Queensland, and services almost 60,000 Members. We have six retail service centres in Townsville, Ayr, Mackay, Rockhampton, Cairns and Mount Isa, as well as our head office being based in Townsville.

Our history

Queensland Country Health Fund was established in 1977 as the MIM Employees' Health Society. Our aim back then was to assist employees of MIM to protect themselves against the potential financial burden of hospital and medical costs. In 1999, Queensland Country Credit Union merged with MIM Employees' Health Society, to form Queensland Country Health Ltd. The Health Fund was then able to operate as an open health fund under a management contract with Queensland Country Credit Union.

Between 1999 and June 2023, Queensland Country Health Fund worked in conjunction with Queensland Country Bank to meet all insurance and financial service needs of people living in regional Queensland.

On 1 July 2023, Queensland Country Health Fund was acquired by HBF, Australia’s most trusted health insurer. Today, Queensland Country Health Fund continues to service needs of people living in regional Queensland.

Code of conduct

Private health insurance code of conductThe Private Health Insurance Code of Conduct is designed to help consumers by providing clear information and transparency in your relationships with health funds. Queensland Country Health Fund is a signatory to the Private Health Insurance Code of Conduct.

The Code covers four main areas of conduct in private health insurance:

  • Making sure consumers receive the correct information on private health insurance from appropriately trained staff
  • Making sure consumers know about the internal and external dispute resolution procedures available in the event that you have a dispute with a private health insurance fund
  • Ensuring policy documentation contains all the information you need to make a fully informed decision about your purchase and that all communications between you and your fund are conducted in a way that the appropriate information flows between the parties. This includes staff, agents and brokers who from time to time may interact with you; and
  • Making sure all information between you and your fund is protected in accordance with national and state privacy principles.

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Members Health Fund Alliance (MHFA)

Queensland Country Health Fund is a proud partner of the Members Health Fund Alliance. The Members Health Fund Alliance is the unified voice for Australian health insurance funds that are run for people first, not profits. It is the peak industry body for an alliance of health insurance funds that are part of a member-owned group, regional or community based, and who all share a common ethic of putting their members' health before profit. The alliance of 26 health insurers represents the interests of more than 3 million Australians.

The alliance of health insurance funds, by their very nature are perfectly poised to provide more for policy holders. Benefits include competitive health insurance premiums, outstanding customer service and all-round high satisfaction. That's why, as a group, customer retention rates are high and their membership is growing strongly.

To find out more about Members Health Fund Alliance click here 



Our purpose

We exist to help people living in Queensland and the Northern Territory live better lives through better health by:

  • Assisting with access to the best medical services in an affordable and timely manner
  • Enabling Members to manage and improve their health
  • Providing quality, affordable dental care
  • Sharing relevant health education and advice
  • Helping communities get active

Our vision

To be the most valued Health Fund in Queensland and the Northern Territory.


Our values

We employ people that understand the company values and truly believe in what we do. 

  • Be genuine
  • Bring your best
  • Put People first