If you are looking for a comprehensive cover, LiveLife is the Package Cover for you.
LiveLife is CBHS' premium level of Package Cover, offering an extensive range of hospital services and generous extras benefits to help you get the most out of life.
Your health is your most important asset, so it is natural you want the security and protection of the most comprehensive Package Cover available.
The LiveLife Hospital component pays benefits for a shared or private room (where available) in both public and Agreement Private Hospitals for theatre, intensive care and labour ward fees in a number of circumstances. LiveLife covers you for a great range of hospital services including those in the below table.
| Choice of Contracted Hospital |
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. |
| Theatre Fees |
| Intensive Care Fees |
| Labour Ward Fees |
| Choice of Doctor |
| Access Gap Cover (with participating doctors) |
| Non-cosmetic surgically implanted prostheses (government approved) |
| Injuries sustained in an accident (not includng pre-exisiting conditions) |
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. |
| Knee, hip and shoulder investigations |
| Knee, hip and shoulder reconstructions |
| Removal of wisdom teeth |
| Removal of tonsils & adenoides |
| Removal of appendix |
| Major & Minor Eye Surgery |
| Major Joint Replacement |
| Joint Arthroscopies & Reconstructions |
| Pregnancy & Related Services |
| Assisted Reproductive Surgery (e.g. IVF) |
| Heart Surgery (e.g. stents, open heart surgery) |
| Gastric Banding |
| Colonoscopies & Bowel Surgery |
| Hernia Surgery |
| Kidney Stone & Gall Stone Removal |
| Digestive Disorders (e.g. stomach disorders) |
| Dialysis |
| Back Surgery (e.g. slipped disc) |
| Palliative Care Programs |
| Psychiatric and Rehabilitation Programs |
| All other services with an MBS number are covered in a private hospital |
| $70 daily excess (waived for children under the age of 12 years) |
| Emergency Ambulance Transport |
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Gap Assist $200 per person per calendar year - to assist you with any out-of-pocket medical expenses you may incur as a result of a hospitalisation, as well as waiving the daily excess for dependant children on your membership up to the age of 12 years. |
The LiveLife Extras component features CBHS' highest overall limits on the services you need and is designed for those who are seeking the protection of the best possible cover for an exhaustive range of services not covered by Medicare.
Key Extras features exclusive to LiveLife include:
- Our highest level of package benefits for the services you need most like Orthodontia, Crowns and Bridges, Dentures and Implants, Gym Membership, Physiotherapy, Occupational Therapy Artificial Aids, Health Maintenance and many more.
- More individual limits, which means you have higher overall limits and can claim more for the treatments like Health Maintenance (including weight management programs) and Natural, Oriental and Massage Therapies.
| Essential Dental |
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| General Dental |
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| Surgical Dental |
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| Major Dental |
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| Frames |
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| Lenses |
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| Contact Lenses |
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| Physiotherapy |
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| Chiropractic & Osteopathy |
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| Occupational Therapy |
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| Speech Therapy |
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| Clinical Psychology |
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| Eye Therapy |
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| Podiatry |
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| Audiology |
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| Natural Therapies |
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| Oriental Therapies |
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| Massage Therapies |
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| Artificial Aids |
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| Hearing Aids |
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| Blood Pressure Monitor, Nebuliser, Glucometer |
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| Health Checks |
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| Health Maintenance |
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| Home visits by a registered nurse |
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| Pharmaceuticals |
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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 of an accident 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.