A mid-level of extras cover to provide benefits for popular general services and treatments required for day-to-day health management.
- Generous per service limits on services and treatments
- Benefits for preventative dental
- Generous benefits for dental, optical, physio, chiro and some therapies
- Wellness benefits for health management
dental
|
Description
|
70% of the cost up to the per service benefit below
|
Overall Limit
|
Benefit Period
|
|
preventative dental* (2 month waiting period)
|
|
Oral Examinations (011, 012, 013)
|
$35-$45
|
$200 |
Calendar Year
|
|
X-Ray (022)
|
$28
|
|
Removal of plaque (111)
|
$41
|
|
Removal of calculus (114,115)
|
$65-$70
|
|
Fluoride application (121)
|
$30
|
|
Mouthguard (151,153)
|
$130-$150
|
|
Fissure sealing (161)
|
$27
|
|
general dental* (2 month waiting period)
|
|
Fillings
|
$61-$129
|
$500
|
Calendar Year
|
|
Consultations & examinations
|
$28-$40
|
|
X-rays
|
$21-$42
|
|
Extractions or surgical dental
|
$50-$255
|
|
general dental* (6 month waiting period)
|
|
Periodontic (gum treatment)
|
$57-$250
|
$400
|
Calendar Year
|
|
Endodontic (root canal treatment)
|
$7.50-$180
|
|
Inlays/Onlays/Facing
|
Covered under LiveLife & Top Extras
|
|
Dentures & Implants
|
|
Occlusal Therapy
|
|
major dental* (12 month waiting period)
|
|
Orthodontia
|
Covered under LiveLife & Top Extras
|
|
Crowns & Bridges
|
prescribed optical appliances
|
Description
|
70% of the cost up to the per service benefit below
|
Overall Limit
|
Benefit Period
|
|
frames* (6 month waiting period)
|
|
Frames
|
$90
|
$250
|
Calendar Year
|
|
lenses* (6 month waiting period)
|
|
Single Vision (pair)
|
$60
|
|
Bifocal (pair)
|
$60
|
|
Trifocal Vision (pair)
|
$90
|
|
Multifocal (pair)
|
$90
|
|
contact lenses* (6 month waiting period)
|
|
Contact Lenses
|
$150
|
therapies
|
Description
|
70% of the cost up to the per service benefit below
|
Overall Limit
|
Benefit Period
|
|
therapies* (2 month waiting period)
|
| Physiotherapy (Initial/Subsequent) |
$61/$43
|
$300
|
Calendar Year
|
| Chiropractic (Initial/Subsequent) |
$61/$40
|
$250 |
| Osteopathy (Initial/Subsequent) |
$61/$35
|
| Occupational Therapy (Initial/Subsequent) |
Covered under LiveLife & Top Extras |
| Speech Therapy (Initial/Subsequent) |
| Clinical Psychology |
| Ante natal/Post natal physiotherapy |
|
Podiatry (excl. artificial aids: e.g. orthotics)
|
|
Audiology
|
|
Eye Therapy
|
|
Dietician
|
$15-$75
|
$100 |
Calendar Year |
alternative therapies
|
Description
|
70% of the cost up to the per service benefit below
|
Overall Limit
|
Benefit Period
|
|
alternative therapies* (2 month waiting period)
|
Natural Therapies
Buteyko, Herbal Medicine Consultations, Homeopathy, Naturopathy, Nutrition |
$33
|
$300
|
Calendar Year
|
Oriental Therapies
Acupressure, Acupuncture, Chinese Herbal Medicine Consultation, Chinese Massage, Kinesiology, Reflexology, Shiatsu, Traditional Chinese Medicine Consultation |
Massage Therapies
Alexander Technique, Aromatherapy, Bowen Therapy, Deep Tissue Massage, Feldenkrais, Lymphatic Drainage, Myotherapy, Remedial Massage, Rolfing, Sports Massage, Swedish Massage, Therapeutic Massage |
general health
|
Description
|
Per Service Limit
|
Overall Benefit
|
Benefit Period
|
|
general health* (2 month waiting period)
|
| Blood Glucose Accessories |
70%
|
$100
|
Calendar Year
|
| Home visits by Registered Nurse |
Covered under LiveLife & Top Extras |
| Non-Pharmaceutical Benefits Scheme drugs requiring a prescription by law |
100% less the current government prescribed co-payment up to $150 per prescription |
$300 |
Calendar Year |
health care aids
|
Description
|
70% of the cost up to the per service benefit below
|
Overall Limit
|
Benefit Period
|
|
health care aids* (12 month waiting period) -where referred by a doctor and recognised by CBHS
|
| Artificial Aids |
Covered under LiveLife & Top Extras
|
| Hearing Aids |
| Blood Pressure Monitor, Nebuliser, Glucometer |
70% |
$300 |
Calendar Year |
(2 month waiting period)
CBHS Wellness Benefits cover you for a variety of health checks and programs designed to assist you in better managing your health and wellbeing.
|
Description
|
90% of the cost up to the overall limit
|
Benefit Period
|
|
health checks*
|
Breast examinations (i.e. mammograms/x-rays)
Bone density tests
Skin cancer screening
Bowel/prostate cancer screening
Eye Screenings |
$200 |
Calendar Year
|
|
health management*
|
Quit smoking programs2
Weight management programs2
Stress management courses2 |
$100 |
Calendar Year |
| Yoga1 |
| Pilates1 |
| Gym membership/Personal training1 |
$115/$100 |
Calendar Year |
1 CBHS can only pay a benefit for gym membership/personal trainer/pilates /yoga where the gym/ personal trainer/yoga/pilates service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer/yoga/pilates program is a health management program. Approval form is available from CBHS. Please note that GP consultations are not covered by CBHS.
2 Must be approved by CBHS
* A benefit is not payable in respect of a service that was rendered to a Member if the services can be claimable from any other source
Benefit Period
Each group of services within Extras and Package covers have an overall limit on the amount you can claim. Most limits are based on per person per calendar year, unless otherwise stated in our Extras table.
Benefits which attract a 3 and 5 year period are entitled to have the benefit renewed on the same date which the service was performed respectively.
Per Service Benefit
Most CBHS Extras benefits are subject to a Per Service Benefit. Generally, the maximum benefit for an individual Extras service is 70% of the service fee up to a Per Service Benefit within the overall category limit.
Example
The maximum payment for the service 'extraction of a full tooth' is 70% of the cost up to the Per Service Benefit of $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 Per Service benefit for this service is $70 - the amount you would receive.
Download Intermediate Extras Product Sheet
When deciding if this product is right for you, please refer to the CBHS Health Benefit Fund Rules. This information should be read carefully and retained.
