Glossary of terms

Here’s a guide to assist you in understanding the meaning of the terminology used by CBHS.

  • Access Gap

    (AGC) is a billing scheme that aims to reduce or eliminate out-of-pocket expenses to members for doctor and specialist services received in hospital. Doctors may choose to participate in AGC on a patient by patient basis, so you.. Read more

    (AGC) is a billing scheme that aims to reduce or eliminate out-of-pocket expenses to members for doctor and specialist services received in hospital. Doctors may choose to participate in AGC on a patient by patient basis, so you should discuss this with your doctor.

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  • Acupuncture

    Acupuncture involves inserting fine needles into specific points on the skin – or applying various other techniques to the acupuncture points – to restore balance and encourage the body to heal itself. Scientific.. Read more

    Acupuncture involves inserting fine needles into specific points on the skin – or applying various other techniques to the acupuncture points – to restore balance and encourage the body to heal itself. Scientific studies have shown the potential for acupuncture to be effective in treating many disorders.

    It is an Alternative therapy and can be claimable from the appropriate levels of Extras Cover. Providers must meet the Australian Government‘s Private Health Insurance (Accreditation) Rules 2011.

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    Alternative therapy needles
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  • Adding Baby or Dependant

    When a baby is added onto a membership within two months of their date of birth, the baby will not have any waiting periods for the existing cover. If you would like to add a dependant to your membership and they are transferring.. Read more

    When a baby is added onto a membership within two months of their date of birth, the baby will not have any waiting periods for the existing cover.

    If you would like to add a dependant to your membership and they are transferring from another fund to an equivalent level of cover with CBHS, they will not be required to re-serve waiting periods. If your dependant is joining a health fund for the first time, certain waiting periods may apply.

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  • Admitted Patient

    You are classified as an admitted patient (inpatient) when you have been admitted to a hospital as a registered bed patient and are receiving services under the direction of a physician.

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    Access Gap
  • Agreement (Agreed) Hospital

    CBHS Health Fund Limited has agreements with most private hospitals that are likely to be accessed by members. These agreements ensure that an agreed schedule of fees (including inpatient accommodation, theatre and special unit.. Read more

    CBHS Health Fund Limited has agreements with most private hospitals that are likely to be accessed by members. These agreements ensure that an agreed schedule of fees (including inpatient accommodation, theatre and special unit accommodation fees as appropriate) is charged by the hospital and paid by CBHS Health Fund Limited on the member’s behalf. Please note that a member’s benefit entitlements will be affected by factors such as their level and type of cover and the financial status of their membership. This will affect the amount CBHS Health Fund Limited will reimburse to the hospital. To find a CBHS agreement hospital.

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  • Allergens

    An Allergen is the substance that causes an allergic response. Allergens contain protein and almost anything can be an allergen for someone. The most common are house dust mites, pollen from trees and grasses, cats, dogs, insects.. Read more

    An Allergen is the substance that causes an allergic response. Allergens contain protein and almost anything can be an allergen for someone.

    The most common are house dust mites, pollen from trees and grasses, cats, dogs, insects such as wasps and bees, milk, eggs and peanuts.  Less common allergens include tree nuts, fruit and latex.

    Allergens are in the form of an injection that a doctor gives to build up your immunity to what you are allergic to.

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  • Allied Health Professional

    An allied health professional is a tertiary trained professional who works with others in the health-care team to support a person's medical care. Examples include physiotherapists, osteopaths, chiropractors, speech pathologists,.. Read more

    An allied health professional is a tertiary trained professional who works with others in the health-care team to support a person's medical care. Examples include physiotherapists, osteopaths, chiropractors, speech pathologists, podiatrists, dietitians, social workers, medical scientists and medical radiation practitioners.

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  • Alternative Therapies

    Alternative Therapy includes Natural, Oriental and Massage Therapy. Alternative Therapies can be claimable from the appropriate levels of Extras cover and one of CBHS’ approved therapies. Providers must meet the Australian.. Read more

    Alternative Therapy includes Natural, Oriental and Massage Therapy. Alternative Therapies can be claimable from the appropriate levels of Extras cover and one of CBHS’ approved therapies. Providers must meet the Australian Government‘s Private Health Insurance (Accreditation) Rules 2011.

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    Sports
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  • Ambulance

    Ambulance costs are expensive and are not covered by Medicare. CBHS Ambulance Cover protects you from emergency ambulance costs, which can potentially be very high. If you have any level of Hospital Cover with CBHS, you are.. Read more

    Ambulance costs are expensive and are not covered by Medicare. CBHS Ambulance Cover protects you from emergency ambulance costs, which can potentially be very high.

    If you have any level of Hospital Cover with CBHS, you are automatically covered for emergency Ambulance transport. If you require cover for non-emergency services please contact your state ambulance scheme for further information.

    Ambulance cover pays the cost of emergency ambulance services if you are transported directly to a licensed hospital or treated at the scene, due to a medical emergency. Transport must be provided by a State Government ambulance service or a private ambulance service recognised by CBHS (e.g. Royal Flying Doctors Service).

    This includes transportation from the scene of an accident or the scene of a medical event such as a heart attack or stroke, but does not include transportation to hospital for the routine management of ongoing medical conditions or transfers between hospitals.

    Residents of QLD and TAS are covered by state based Ambulance schemes.

    Western Australia, South Australia, Victoria and Northern Territory 
    Hospital Covers pay the cost of emergency ambulance services when transported directly to hospital or treated at the scene due to a medical emergency. Transport must be provided by ambulance services recognised by CBHS.

    Ambulance benefits are not payable for transportation to hospital for the routine management of an ongoing medical condition or transportation between hospitals.

    New South Wales and Australian Capital Territory
    Part of your hospital contribution is a levy charged by your State or Territory government. This entitles you to full ambulance cover within your State and emergency ambulance cover in all other States or Territories. If you receive a bill for ambulance services please forward it to CBHS for payment.

    Queensland and Tasmania
    Most ambulance services received within your state are provided by your State government and you should not receive a bill for these services. If you receive ambulance services outside your State, the same conditions apply as for Western Australia, South Australia, Victoria and Northern Territory.

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  • Anaesthetics

    An anaesthetic is a drug or agent that produces a complete or partial loss of feeling. There are three kinds of anaesthetic: general, regional and local. When a patient undergoes a general anaesthetic, they lose sensation and.. Read more

    An anaesthetic is a drug or agent that produces a complete or partial loss of feeling. There are three kinds of anaesthetic: general, regional and local. When a patient undergoes a general anaesthetic, they lose sensation and become unconscious. General anaesthetic may be given as an injection or as a gas. An anaesthetist will administer a general anaesthetic

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  • Artificial Aids

    An external device or implement, to assist or aid with a missing or defective body part.

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  • Australian Government Rebate on private health insurance (Rebate)

    Australians with private health insurance may receive a rebate from the Australian Government to help cover the cost of their premiums. This is called the Australian Government Rebate on private health insurance (Rebate). The.. Read more

    Australians with private health insurance may receive a rebate from the Australian Government to help cover the cost of their premiums. This is called the Australian Government Rebate on private health insurance (Rebate). The Rebate is income tested. The Rebate applies to hospital, extras cover and ambulance policies. It does not apply to overseas visitors cover.

    More information: www.privatehealth.gov.au

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    rebate tiers
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    Private Health Insurance Act (PHI)
  • Australian Health Service Alliance (AHSA)

    CBHS is a member of the Australian Health Service Alliance Ltd (AHSA), which is a service company representing a number of small to medium size private health insurance funds. The company was formed in 1994 to provide management.. Read more

    CBHS is a member of the Australian Health Service Alliance Ltd (AHSA), which is a service company representing a number of small to medium size private health insurance funds. The company was formed in 1994 to provide management services to these Funds throughout Australia. By pooling their resources and creating AHSA, participating funds are able to respond more effectively to the numerous changes occurring in the private health industry.

    AHSA provides a range of services including management of: 

    • Provider relationships
    • Negotiation of contracts
    • The collection, dissemination and analysis of data
    • Access Gap Cover
    • Integrated Health Management Services
    • Prostheses and claims support
    • Educational services and training

     

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  • Autistic Social Skills

    Autism is a disorder of neural development characterised by impaired social interaction and communication, and by restricted and repetitive behaviour. These signs all begin before a child is three years old. Autism affects.. Read more

    Autism is a disorder of neural development characterised by impaired social interaction and communication, and by restricted and repetitive behaviour. These signs all begin before a child is three years old. Autism affects information processing in the brain by altering how nerve cells and their synapses connect and organise; how this occurs is not well understood.

    Autistic Social Skills Programs: Teaching social skills to autistic children has become one of the primary focuses when working with autistic children.

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    Occupational therapy Speech pathology
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    Extras cover

Contact Us

If you have any further questions or want more information about your health insurance, our friendly team is ready to assist you with your queries. Simply call 1300 654 123 or send an email to help@cbhs.com.au and we'll get back to you.