Compare Extras Cover

The table on the following pages highlights the differences between CBHS Extras covers and will help you decide which one is right for you. All category limits listed are per person. 

CBHS uses a “Limit Bank” system to determine the benefits that are available to you. For information on how the “Limit Bank” works, click here.

Note: CBHS will be making changes to extras cover products from 9 April, 2010.

  70% of the cost up to the maximum benefit below Top Extras Intermediate Extras Essentials Extras Limit Bank
dental
Preventative (2 Month Waiting Period)
Oral Examinations (011,012,013) $28-$40 UNLIMITED $200 $150 1
X-Ray (022) $23
Removal of plaque (111) $38
Removal of calculus (114,115) $60
Fluoride application (121) $25
Mouthguard (151,153) $85-$87
Fissure sealing (161) $27
Dental (2 month waiting period)
Fillings $61-$112 UNLIMITED $500 $150 1
Consultations & examinations $28-$40
X-rays $21-$42
Extractions or surgical dental $50-$205
Dental (6 month waiting period)
Periodontic (gum treatment) $57-$250 $630 $400 NOT COVERED 1
Endodontic (root canal treatment) $15-$180 $660
Inlays/Onlays/Facings $360 $1440 NOT COVERED 5
Dentures and Implants $20-$810 $1350
Occlusal Therapy $17-$260 $920 LIFE
Dental (12 month waiting period)
Orthodontia - $2200 NOT COVERED NOT COVERED LIFE
Crowns and Bridges $10-$680 $3000 5
prescribed optical appliances (6 month waiting period)
Frames                
Frames $140 $350 $90 $250 $70 $180 1
Lenses          
Single Vision (pair) $104 $60 $60 1
Bifocal (pair) $130 $60 $60
Trifocal Vision (pair) $150 $90 $60
Multifocal (pair) $200 $90 $60
Contacts          
Contact Lenses $210 $150 $130 1
therapies (2 month waiting period)
Physiotherapy (Initial/Subsequent) $61/$35 $720 $300 $200 1
Chiropractic (Initial/Subsequent) $61/$35 $720 $250
Osteopathy (Initial/Subsequent) $61/$35 $720
Occupational Therapy $35 $720 NOT COVERED NOT COVERED
Speech Therapy $40 $1850
Clinical Psychology $30-$140 $450
Ante natal/Post natal physiotherapy 70% $105
Podiatry (excl. artificial aids: i.e. orthotics) $30 $400
Audiology $60 $360
Eye Therapy $60 $455
Dietician $15-$65 $360 $100 $100
alternate therapies (2 month waiting period)
Natural Therapies
Buteyko, Herbal Medicine Consultations, Homeopathy, Naturopathy, Nutrition
$33 $450 $300 NOT COVERED 1
Oriental Therapies
Acupressure, Acupuncture, Chinese Herbal Medicine Consultation, Chinese Massage, Kinesiology, Reflexology, Shiatsu, Traditional Chinese Medicine Consultation
$450
Massage Therapy
Alexander Technique, Aromatherapy, Bowen Therapy, Deep Tissue Massage, Feldenkrais, Lymphatic Drainage, Myotherapy, Remedial Massage, Rolfing, Sports Massage, Swedish Massage, Therapeutic Massage
$450
general health (2 month waiting period)
Blood Glucose Accessories 70% $320 $100 $100 1
Home visits by Registered Nurse $120 (>4 hrs)
$80 (<4 hrs)
$2800 NOT COVERED NOT COVERED
Non-Pharmaceutical Benefits Scheme drugs requiring a prescription by law 100% after deducting the current government prescribed charge up to $150 $1000 $300 $200 PER CALENDAR YEAR
health care aids (12 month waiting period)
Artificial Aids 70% $1000 NOT COVERED NOT COVERED 1
Hearing Aids 70% $1500
Blood Pressure Monitor, Nebuliser, Glucometer 70% $500 $300

Wellness Benefit (2 month waiting period)

  Top Extras/
Intermediate Extras/
Essential Extras
Limit
Bank
  Benefits paid back to members are 90% of the cost up to maximum category limit
Health Checks (where not claimable from another source)
Breast examinations (i.e. mammograms/x-rays)
Bone density tests
Skin cancer screening
Bowel/prostate cancer screening
Eye Screenings
$200 1
Health Maintenance (where not claimable from another source)
Quit smoking programs
Weight management programs
Stress management courses
First aid course^/first aid kits (First aid course^ must be completed for benefits to be applicable to the first aid kit)
Yoga (Hatha, Ashtanga, lyengar & Bikram)
Pilates
$100 1
Gym membership/Personal Training (per calendar year) min 3 months $100  

^ Benefits on first aid courses and kits are only payable when provided by St Johns Ambulance, Red Cross or Royal Life Saving, as recognised CBHS providers.

Maximum Payment

All CBHS Extras benefits are subject to a Maximum Payment level. Generally, the Maximum Payment for an individual Extras service is 70% of the service cost up to a pre-determined maximum amount.

Example
The Maximum Payment for the service 'Extraction of a full tooth' is 70% of the cost up to $70.

If your dentist charges you $80 for this service, you would receive a benefit payment of $56 (70% of $80 is $56).

If your dentist charges you $110 for this service, you would receive a benefit payment of $70. While 70% of $110 is $77, the Maximum Payment available for this service is $70 - the amount you would receive.

  1. Where referred by a doctor and recognised by CBHS as essential to a member's health care needs.
  2. Where benefits are not payable from any other source.

 This information should be read carefully and retained.

CONTACT US
1300 654 123
help@cbhs.com.au