Please DO NOT DELETE this page.

Blog //
  • Membership

This is how easy it is to read your CBHS tax statement

21 July, 2017
CBHS Tax Statement Guide

Every year, CBHS issues a Private Health Insurance Statement to all adults who were covered by CBHS during the financial year.

Why do I need this statement?

Your Private Health Insurance Statement contains important information to help complete your Tax Return. You will need your Private Health Insurance Statement to evidence your rebate entitlement for tax purposes.

What information is in this statement?

  • The premiums you have paid to CBHS during the financial year that are eligible for the Australian Government rebate
  • The amount of rebate you received during the financial year
  • If you are the main member, your statement will outline the details of any other adults who were on your membership at any point during the financial year.
  • If you were covered on someone else's membership (your partner's, for example) your statement will also show their details.
  • The statement also tells you the number of days you had an appropriate level of Private Patient Hospital cover during the financial year. This will assist you see if you will have to pay an extra Medicare Levy Surcharge.

Why were there two statements issued?

Each adult covered by the policy will receive their own private health insurance statement listing their share of the premium payments and rebate (if any) received from the government. If you and your spouse were covered under the same membership, your spouse will receive their own statement.

How do I read my tax statement?

CBHS 2017 Tax Statement Example

A – Number of days with appropriate hospital cover. The number of days in the 2016/17 financial year that you had hospital cover with CBHS.

 B – Health Insurer ID A three letter identifier unique to each fund. This is CBH for CBHS members.

C – Membership Number Your membership number which identifies your policy with CBHS.

J – Your premiums eligible for Australian Government Rebate Includes each adult’s share of premiums in this financial year that are eligible for the rebate. - If there is a LHC loading applied to the policy, the amount of loading paid is not included in this amount. - If there is more than one adult on the policy, the amount will be split over the two statements.

 K – Your Australian Government Rebate received Includes each adult’s share of the rebate paid by Medicare directly to CBHS in the current financial year. If there is more than one adult on the policy, the amount will be split over the two statements.

L – Benefit code Indicates which (maximum) age based rebate percentage is applicable and when the premium was paid. Due to rebate changes made on 1 April 2017, any premiums received on or after this date will have a different benefit code to premiums made prior to this date.

Other adult beneficiaries for the policy Indicates the name of any other adult covered by the policy when the relevant premiums were received.

Additional notes to help you understand your statement and understanding multiple rows on the table:

Different lines show changes to the policy where:

  • The benefit code has changed (eg an adult on the policy has had a birthday that entitles them to a higher level of rebate or as a result of the rebate changes on 1 April 2017), or
  • -- There have been changes to the adults on the policy (ie another adult has joined or left the policy).

As the rebate changes on 1 April each year, any member who paid premiums prior to and on or after 1 April 2017 will have at least two lines of information.

Understanding Benefit codes:

 (L) The benefit code indicates the (maximum) aged based rebate percentage that applies at the time the payments were received.

The code listed is not a percentage and does not indicate what tier you have elected to be on.

If you made payments prior to and on or after 1 April 2017, at least two different benefit codes will appear in separate lines on your table.

Benefit codes for premium amounts received prior to 1 April 2017 are:

- 30 (the entitling person is under 65 years)

- 35 (the entitling person is 65 years or older but under 70 years)

- 40 (the entitling person is 70 years or older)

Benefit codes for premium amounts received on or after 1 April 2017are:

- 31 (the entitling person is under 65 years)

- 36 (the entitling person is 65 years or older but under 70 years)

- 41 (the entitling person is 70 years or older)

What is the Medicare Levy Surcharge (MLS)?

The MLS is a government incentive to encourage individuals to take out private hospital cover and is an additional payment incurred on top of the Medicare Levy that most Australians have to pay. You will only be impacted by the MLS if your income (as assessed by the ATO for this purpose) is over $90,000 for singles or $180,000 for families or couples and you don’t have an appropriate level of private hospital cover. The MLS ranges between 1 to 1.5% of your income, on top of the 2% Medicare Levy (depending on your income). Find more information on MLS.

What if I pay a Lifetime Health Cover Loading (LHC)?

This will be shown on the membership summary, that you have received. Members that have registered an email address with CBHS will receive their statement by email. For more information on LHC.

Will my child covered on my policy receive a Private Health Insurance (Tax) Statement?

Dependent children do not receive their own Private Health Insurance (Tax) Statement because they cannot claim the Rebate and are not subject to the income test for private health insurance purposes.

However, if your child is completing a tax return they may need to complete the private health insurance policy detail section of their return, so the ATO can verify their private health insurance coverage and ensure that they are not charged the Medicare Levy Surcharge (if their income is above the threshold).

To complete the Private Health Insurance Section of their tax return they will need to obtain a statement from one of the adults covered on the policy and follow the below steps.

Using the Private Health Insurance Statement of an adult on the policy (using the Health Find ID –SPE and the Membership Number), complete your individual tax return as per the ATO instructions.

Type or write Tax claim code F.

Where can I find out more?

If you want further information, you can call CBHS on 1300 654 123 however we are unable to provide specific tax advice. Additionally, you can contact the Australian Tax Office on 132 861, visit their website at, or speak to your tax advisor.

1911_CBHS Skyscraper Banner-07

Suggested Articles

  • A person checking weight Loss

    Four simple rules to lose weight

    Dieting but not losing weight? You may have been given bad advice. Try following these four simple food rules to speed up your weight loss efforts.
    • Wellbeing
    16 January 2020
  • Face mask

    Should I be worried about smoke haze?

    Australia’s bush fire crisis has devastated many towns and rural communities. Cities not directly affected have been blanketed in smoke, but how hazardous is it?
    • Wellbeing
    16 January 2020
  • Volunteer firefighters

    Support from CBHS for volunteer firefighters

    We are extending our emergency relief program – set up to help members affected by bushfires - to any members who are also volunteer firefighters.
    • Membership
    9 January 2020
  • vegetarian meals

    Veganism. Not as nutty as you might think

    We weigh up the pros and cons of going vegan and examine claims that Australia’s fastest growing food trend is not only healthier but better for the planet too.
    • Nutrition
    7 January 2020

What Our Members Think

I joined as a CBHS member in 1978. Through many health events and challenges CBHS has always been there for me and my family. Their exceptional service over this time has always been appreciated.

- Jenny J

What Our Members Think

I've not long joined CBHS from another fund, but so far I've been impressed by the super helpful and friendly staff, the higher claim limits and rebates at a very competitive premium, and how easy it is to lodge manual claims through the app. Thanks CBHS - you've won me over! 😃

- Jessica B

What Our Members Think

What I love about CBHS is their customer service - friendly staff and always ready to help and email you the information you ask about. Keep up the great work!!!

- Linda S

What Our Members Think

I love CBHS as its so so easy to lodge a claim and whenever i need a question answered friendly consultant is one phone call away. The phone back option instead of waiting is brilliant!

- Rachel N

What Our Members Think

I have been with CBHS since I began at CBA 15 years ago...Now I have three beautiful children, one who has a disability. Our top extras cover has been really essential for his early intervention. I do love the ease of claiming online.

- Annette E

What Our Members Think

I am relatively new to CBHS and am loving it already. I worked for a CBA subsidiary a long time ago but was still eligible to join. So much better that the for-profit funds - our premium is only a little more and we pay a lower co-contribution and get great benefits. I am loving the massage rebate for my partner and gym rebate for me!

- David G

What Our Members Think

I'm extremely happy with CBHS! I have been a customer for about six years. I think the price is reasonable. And i would refer you to my family and friends any day. Thank you CBHS!!!

- Karen W

What Our Members Think

Love CBHS as I never have to doubt that they've got my back when I need it. Been through other insurers who have limited options or limits, yet cost the same or more.

- Mark F