An affordable package that offers all the benefits that are important to you. Let CBHS help pay for the services that you've been wanting but couldn't quite afford. Look great, feel great!

• Only available for singles and couples
• $70 daily excess
• A great range of extras benefits
• More choice of doctor or specialist
• Wellness benefits for health management
• Emergency ambulance transport

hospital component

what’s covered?

Kickstart hospital cover will cover you for:

• Accommodation – Overnight, Same Day & Intensive Care
• Theatre costs
• Medical expenses – anesthetists, specialists, surgeons, radiologists, pathology and imaging whilst admitted in hospital
• Surgically implanted prosthesis (government approved)*

For the following services in a private hospital:

• Accidents
• Knee, hip and shoulder investigations
• Knee, hip and shoulder reconstructions
• Removal of wisdom teeth
• Removal of tonsil & adenoids
• Removal of appendix

All other services (with a Medicare item number) are eligible only for restricted benefits. Restricted benefits are payable only at the minimum rate specified by law. Restricted benefits may only be similar to a public hospital shared room rate. 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.

what’s not covered?

Kickstart hospital cover will not cover you for:

• Hospital services received within applicable waiting periods
• Nursing home type patient contribution or nursing home fees
• Take home drugs/discharge drugs (certain non-PBS drugs may be eligible for benefits under the extras component of KickStart)
• Services claimed over 2 years after the date of service
• Treatment where there is no Medicare benefit available (restricted benefits only)
• Services provided in countries outside of Australia
• Prostheses used for cosmetic procedures
• Ambulance transfers between hospital

 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

Limit Bank

Each group of services within Extras covers has an overall limit on the amount you can claim in a specific time period. This is called the Limit Bank.

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 PDF

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.