Waiting periods apply to those who are new to private health insurance or those who are already members of the CBHS family - or another fund - and choose to upgrade to a higher level of cover. Parts of waiting periods served within one health fund can be completed in another when a person transfers funds. If you upgrade your level of cover, waiting periods may apply to benefits not previously included within your original cover.

Hospital waiting periods

Waiting periods apply to all levels of Hospital Cover and Package Cover and are listed in the table below.

Description Period
Pre-existing conditions* (except for hospital psychiatric services, rehabilitation and palliative care) 12 months
Pregnancy and birth 12 months
Hospital psychiatric services**, rehabilitation and palliative care 2 months
Accidents*** and emergency ambulance transport 1 day
All other treatments 2 months

All waiting periods displayed are in calendar months.

Extras waiting periods

Waiting periods apply to all levels of Extras Cover and Package Cover and are listed in the table below.

Description Period
Crowns, bridges and orthodontia 12 months
Artificial aids, healthcare appliances, oxygen and oxygen apparatus 12 months
Prescribed optical appliances 6 months
Periodontics, endodontic, facings, occlusal therapy, implants and dentures 6 months
All other services 2 months

For more information on waiting periods, please refer to the Health Benefit Fund Rules

* If a member has a pre-existing condition, a waiting period of 12 months will apply before we will pay hospital or medical benefits towards any treatment for that condition.

** Note that upon serving the two month waiting period, members can choose to upgrade their cover (once in a lifetime) and access the higher benefits for hospital psychiatric treatment associated with that cover, without serving an additional waiting period. For more details contact us on 1300 654 123 or by sending an email to help@cbhs.com.au.

*** Accident means an unexpected or unforeseen event caused by an external force or object resulting in an injury to the body which requires treatment by a medical practitioner, Hospital or dentist (as the context requires) but excludes pregnancy.

A pre-existing condition is an ailment or illness for which the signs or symptoms were evident up to 6 months before a person becomes insured by a policy. It is the opinion of the CBHS appointed doctor that determines whether the signs or symptoms were in existence – that doctor, however, will have regard to any information provided by the member’s doctor.

Members must also wait 12 months to be covered for pre-existing conditions where they upgrade their cover.

Do you need more information?

CBHS’s claims support service is just one of the areas in which we deliver exceptional member care. If you have any questions about online claiming or submitting claims, contact us directly on 1300 654 123 or email help@cbhs.com.au