CBHS recognises the importance of transparency and information for members so that every member can make the most of their membership. These brochures and guides are designed to assist members with understanding CBHS’s values and products, CBHS’s special schemes such as the Access Gap Cover program and the operating rules of the Fund.

Access Gap Flyer

CBHS’s Access Gap Cover scheme is one of the many ways CBHS is delivering outstanding value to our members. CBHS’s Access Gap Cover scheme was set up to minimise or eliminate out-of-pocket expenses for members when accessing medical treatment or products.

This flyer outlines how our Access Gap Cover scheme works and how members can speak to their doctors about participating in our Access Gap Cover scheme. For your convenience, we’ve designed a special tear-off section for your doctor. This section explains the benefits of participation in the scheme to your doctor.

Product Information Brochure

This brochure provides a comprehensive overview of CBHS’s exceptional member care services and products. You can find out more about the benefits of joining the CBHS family, your eligibility to join, and how to join CBHS. Written in plain and clear language, the brochure also contains valuable information on CBHS’s Choice Network and other special programs, such as our Chronic Disease Management Programs and Hospital Substitute Treatment option.

CBHS offers a comprehensive range of insurance products that are designed to suit your age and lifestyle. If you’re unsure about the type of package you need, this brochure outlines package cover options we provide, including Prestige, KickStart and StepUp.

You’ll find important information on handpicking your cover, understanding your health cover and things you need to know, such as the claiming process, pre-existing conditions and how we safeguard your privacy.

Health Benefit Fund Rules

You can find out more about CBHS’s Health Benefit Fund Rules by downloading this document. Our Rules cover our governing principles, the use of funds, membership, contributions, benefits, hospital treatment, and other aspects of our services. There are also detailed tables outlining contribution rates.

CBHS Better Living health management programs

CBHS knows that some members have issues that have been present in their lives for some time that prevent or decrease wellness. Our programs are for people who do not have any identified issues yet but may have risk factors such as obesity, high blood pressure, high cholesterol, sleep apnoea or smoking. Download the guide below to find out more.

Private Health Insurance Ombudsman Service (PHIO)

Those brochures provide information on the Private Health Insurance Ombudsman service and consumer information about changing health funds, doctors' bills, waiting periods, tips and other guides for consumers.

More information

CBHS is here to provide members with trust, reassurance and outstanding value. We understand that becoming informed and having access to the relevant information is an important part of member service, as it supports you in maximising the benefits and utility from your membership.

If you would like more information about any of CBHS’s products, our health fund rules, or special topics such as our Access Gap Cover scheme or fraud prevention, you can contact our friendly team directly on 1300 654 123 or by emailing us at help@cbhs.com.au.