When is my baby an inpatient?
Under rules set down by the Commonwealth Department of Health and Family Services, the payment of gap medical benefits is restricted to medical services provided whilst an inpatient of a hospital.
A new born baby is classified as an inpatient when one or more of the following criteria apply;
- The baby is admitted to an approved neo-natal intensive care facility
- The baby is the second or subsequent born in a multiple birth situation (i.e. Twins, triplets etc)
- The child is more than 9 days old while still in hospital
- If none of these criteria are met, your baby is not classified as an inpatient for gap medical purposes and expenses can only be claimed through Medicare. (It is required that you indicate that your baby was not classified as in inpatient). You will be eligible for 85% of the schedule fee through Medicare. No further benefits are available from CBHS.
Does CBHS pay for meals?
Generally, when mother and baby are in hospital CBHS do not pay for the partner's meals or accommodation. Although there are benefits available for Boarder Fees (accommodation only) in some hospitals for specific situations, these benefits are subject to the conditions of the contract that is in place with CBHS. Please contact CBHS on 1300 654 123 for further information.
What is my Excess?
If you have a Daily Excess on your membership, you will need to pay the relevant Daily Excess each day that you are hospitalised up to a maximum of 6 days per calendar year - maximum of 12 days per family per calendar year.
If your baby needs to be admitted to hospital, you will be required to pay the relevant Daily Excess unless you have reached your family maximum of 12 days.
If you have Hospital 'a' Excess or Hospital 'b' Excess please contact CBHS to determine the excess that is payable.
Does CBHS pay for Antenatal classes?
Antenatal classes are covered on Top Extras Cover. Benefit payable is 70% of cost, up to a maximum of $105.00 per confinement.
To claim for antenatal classes CBHS require an official receipt showing the provider's name, qualifications, dates and cost of each class.
Can CBHS help with Lactation classes?
CBHS can help if you have Top Extras cover. Lactation classes come under the midwifery benefit, which entitles you to 70% of the cost up to a maximum of $810.00 per confinement.
To claim for lactation classes CBHS require an official receipt showing the midwife's full name and RN number.
Does CBHS pay for Mother and Baby Programmes?
Yes, CBHS can help you with these programmes. The benefit varies depending on your level of cover and the hospital that is providing the programme. To find out more about benefit entitlements contact our Member Care Centre on 1300 654 123 or email us at help@cbhs.com.au.
What do i need to do to add my baby to my CBHS membership?
If you are the principal insured or have partner authority, simply contact the CBHS Member Care Centre on 1300 654 123 or email us at help@cbhs.com.au requesting to add your newborn to your membership.
If you currently hold a Couple Membership, this will change to a Family Membership. All waiting periods will be waived for your newborn when adding them to your membership within 2 calendar months of the birth or adoption. Cover for your baby will be backdated to the date the child was born or adopted.
If you currently hold a Single Membership, this will change to a Sole Parent or Family Membership. An increased contribution rate will be applied. All waiting periods will be waived for your newborn when adding them to your membership within 2 months of the birth or adoption. Cover for your baby will be backdated to the date the child was born or adopted.