Limited Hospital is our mid-range Hospital Cover.
Benefits:
- Daily Excess Option - You can reduce the cost of your Limited Hospital Cover by agreeing to pay a daily excess of $70 or $100. This means that if you go into hospital you will pay the relevant daily excess each day that you are hospitalised up to a maximum of 6 days per person or 12 days per family per calendar year.
- Access Gap - Helps you minimise or eliminate your out-of-pocket expenses. For more information on Access Gap, click here.
- Lower Contribution Rate - In return for some services being restricted on the cover (see Public Cover below).
For services covered by Medicare and that are not listed as restrictions under Public Cover:
- Private or shared room
- Theatre fees
- Intensive Care fees
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Some services on Limited Hospital are only covered for a shared room in a Public Hospital. Services restricted under Limited Hospital:
- Major eye surgery
- Major joint replacement
- Pregnancy and related services
- Palliative care programs
- Psychiatric programs
- Rehabilitation programs
- Cardiothoracic services
- Gastric banding services
- Reproductive surgery
- Plastic and reconstructive surgery
- Labour ward fees
All other services not covered by Medicare are covered in a shared room of a Public Hospital, for example elective cosmetic surgery, laser eye surgery, and surgical podiatry. |
Overseas cover
CBHS provides very limited coverage for hospital treatments received overseas. Benefits are paid at the equivalent NSW non-agreement level for accommodation and no benefits are payable towards the cost of other hospital or doctors' fees. Benefits will only be paid for treatment that is for managing a disease, injury or condition which is chronic or permanent. CBHS recommends taking out travel insurance when travelling overseas.
Emergency Ambulance Transport
This cover pays the cost of emergency Ambulance services when transported directly to hospital or treated at the scene due to a medical emergency. Transport must be provided by Ambulance services recognised by CBHS. Ambulance benefits are not payable for transportation to hospital for the routine management of an ongoing medical condition or transportation between hospitals. Due to variations in State government legislation, not all States receive the same Ambulance benefits. Contact CBHS for more details.
Services
Some services such as surgical podiatry, laser eye surgery, cosmetic and plastic surgery do not attract a benefit from Medicare. Services that do not attract a benefit from Medicare will result in significant out-of pocket expenses regardless of your level of cover.
This information should be read carefully and retained.