A premium level package cover offering extensive non-restricted hospital cover and generous overall extras limits. 
 
 

• Top level hospital cover
• $200 Gap Assist benefit towards out-of-pocket medical expenses
• Access gap cover
• $70 daily excess
• No excess for children under 12 years of age
• Generous per service benefits on extras
• Wellness benefits for health management
• Emergency ambulance transport

hospital component

what’s covered?

LiveLife hospital cover will cover you for:

• No restrictions on treatments received as an admitted patient
• Accidents
• Accommodation – Overnight, Same Day, Intensive Care & Special Care Nursery
• Theatre & Labour ward
• Medical expenses – anaesthetists, specialists, surgeons, radiologists, pathology and imaging whilst admitted in hospital
• Surgically implanted prothesis (Government approved)*

 what’s not covered?

LiveLife hospital cover will not cover you for: 

• Hospital services received within applicable waiting periods

• Nursing home type patient contribution or nursing home fees

• Hospital services received within hospital waiting periods

• Take home drugs/discharge drugs (certain non-PBS drugs may be eligible for benefits under the Extras component of LiveLife)

• Services claimed over 2 years after the date of service

• Prostheses used for cosmetic procedures
• Ambulance transfers between hospitals
  

   

A daily excess of $70 applies to adult members for each day of hospitalisation, up to a maximum of 6 days per person or 12 days per family, per calendar year.

 * Medicare benefit is generally not payable for a cosmetic procedure which is not medically necessary

 extras component

 dental

  prescribed optical appliances

therapies

alternative therapies

general health

+ Travel and accomodation is only payable for the patient who requires essential medical and dental treatment, where it is not available at a facility within a 160km round trip of the member’s home.

health care aids

(2 month waiting period)

^{^}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 LiveLife 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.

• choice network
• access gap
• waiting periods
• going to hospital