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
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
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
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
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
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
Artificial Aids	70%	$1000		NOT COVERED		NOT COVERED		1
Hearing Aids	70%	$1500
Blood Pressure Monitor, Nebuliser, Glucometer	70%	$500		$300

^ 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.