An affordable package cover for the young fit and healthy, because accidents do happen! Get covered for the things you may need like dental and optical, without the things you don’t, like pregnancy.

• Only available for singles and couples
• $70 daily co-payment
• A great range of extras benefits
• Choice of Doctors or Specialists
• Wellness benefits for health management
• Emergency ambulance transport

hospital component

what’s covered?

KickStart hospital cover will cover you for:

• Private or Public Hospital accommodation & services includes overnight, same day, intensive care* and theatre fees. Cover is provided for a private or shared room in a private or public hospital for the following services:

• accidents and medical emergencies;
• the investigation, repair or reconstruction of bones and tissues of a knee, hip or shoulder; and
• the removal of wisdom teeth, tonsils, adenoids or the appendix.

All other services in any hospital are eligible for restricted benefits. Restricted benefits are payable only at the minimum rate specified by law and may only provide a benefit similar to a public hospital shared room rate.

Restricted benefits may not be sufficient to cover admissions in a private hospital. Restricted services are covered for a shared room in a public hospital.

*Theatre and Labour ward fees are not charged in a public hospital

• Medical expenses related to providers for services while admitted in hospital e.g. fees from doctors, surgeons anaesthetists, pathology, imaging etc. Covered for all services eligible for benefits from Medicare up to Medicare Benefits Schedule (MBS) Fee. Members have their choice of doctor/surgeon in a public or private hospital. CBHS will cover the difference between the Medicare benefit and the MBS fee for services provided as an admitted patient to a hospital

• Access Gap Cover is where a provider chooses to participate under an arrangement with the fund. CBHS covers up to 100% of an agreed amount in excess of the MBS fee which reduces or eliminates your out-of-pocket medical expenses. (i.e. surgeons, anaesthetists, pathologists, imaging fees etc)

• Surgically implanted prostheses covers 100% of a Government approved prostheses where a Medicare benefit is payable. Members may experience a gap for items approved by the Government that have an applicable gap payment

• Pharmacy covers most drugs related to the reason for your admission in an agreement private hospital

• Emergency ambulance transport for an accident or medical emergency by approved ambulance providers

what’s not covered?

KickStart hospital cover will not cover you for:

• If a member is admitted into a private hospital for restricted services, benefits are payable only at the minimum rate
  specified by law. These benefits may only provide a benefit similar to a public hospital shared room rate. These benefits
  may not be sufficient to cover admissions in a private hospital
• Nursing home type patient contribution, respite care or nursing home fees
• Take home/discharge drugs (non-PBS drugs may be eligible for benefits from your Extras cover)
• Services claimed over 24 months after the service date
• Services provided in countries outside of Australia
• Prostheses used for cosmetic procedures, where no Medicare benefit is payable
• Ambulance transfers between hospitals

A daily co-payment of $70 applies to KickStart. This means that if you go into hospital you will pay $70 for every day that you are there, up to a maximum of 6 days per person or 12 days per couple in a calendar year. So, if you are admitted to hospital for two days, you will pay an co-payment of $140.

  extras component

 dental

  prescribed optical appliances

therapies

alternative therapies

general health

(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.

^{^}Benefits on first aid courses and kits are only payable when provided by recognised CBHS providers. First aid course must be completed for benefits to be applicable to the first aid kit. Excludes replacement first aid items.

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

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 entitlement, unless otherwise stated.

Benefits which attract any 3 or 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 KickStart Product Sheet

Download CBHS Contribution Rates Brochure

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.