The StepUp Package Cover is perfect if you are still young and healthy but are looking for the security of more benefits and services to suit an active lifestyle. StepUp is CBHS' mid-range Package Cover, with more benefits and services than many other funds' top packages. StepUp offers a great range of hospital services and generous Extras benefits.
The StepUp 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. StepUp covers you for a mid-range of hospital services including:
- Pregnancy and birth related services
- Injuries sustained in an accident
- Knee, hip and shoulder investigations or reconstructions
- Removal of wisdom teeth, tonsils and appendix
| Choice of Contracted Hospital |
All other services not covered by Medicare are covered in a shared room of a Public Hospital. |
| 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 including pre-existing conditions) |
All other services not covered by Medicare are covered in a shared room of a Public Hospital. |
| Knee, hip and shoulder investigations |
| Knee, hip and shoulder reconstructions |
| Removal of wisdom teeth |
| Removal of tonsils & adenoides |
| Removal of appendix |
| Pregnancy & related services |
| $70 daily excess (waived for children under the age of 12 years) |
| Emergency Ambulance Transport |
| Gap Assist $100 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 children up to the age of 12 years. |
All other services are treated in a shared room of a pubic hospital. This means if you choose to go into a private hospital to receive any services, other than those listed above, you may be faced with significant out-of-pocket expenses.
The StepUp Extras component features high annual limits on the services you need. It's designed for those who are seeking the security of great cover for a healthy range of treatments not covered by Medicare.
Key Extras features available only on StepUp include:
- A much higher level of package benefits than other mid-range covers 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.
- Many individual modality limits, which means you have higher overall limits and can claim more for the treatments like Orthodontia, 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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On top of the great services and benefits of StepUp, we want to give you an extra reward to help you take even better care of yourself – a bonus on the amount you can claim for your surgical and major dental limits! For every year that you have StepUp we will increase your combined dental limit by $225 annually, up to a maximum of $900, so you can get even more value from StepUp.
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.