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Our member-owned health fund is for current and former CBA Group staff, their families and contractors – find out now if you’re eligible to join the CBHS family!
CBHS Health Fund
The Medicare Levy Surcharge (MLS) is an additional tax applied to a person’s taxable income when they do not have an appropriate level of private hospital cover and their income exceeds certain MLS thresholds.
The Medicare Levy Surcharge was introduced to encourage Australians in the higher income brackets (refer to the table below) who are eligible for Medicare, but do not have an appropriate level of private hospital cover, to take out private hospital insurance, reducing the demand on the public hospital system.
The MLS is calculated in addition to the standard Medicare Levy of 2%. It applies to a person and his or her dependants, including his or her spouse. A dependent is classified in this case as any children under 21 years of age, or any children who are full-time students and are under 25 years of age.
The MLS is paid on any period during which the person does not have hospital cover. Those who are exempt from the Medicare Levy do not need to pay the MLS.
If you apply to CBHS to suspend your hospital cover for a short period, and we agree, this period of suspension may affect your MLS liability.
If you need to pay the MLS, it will be included with the Medicare Levy on your notice of assessment from the Australian Tax Office.
The tables below outline the income thresholds and surcharges that apply from 1 April 2017 to 31 March 2018.
If as a couple or a single parent you have two or more children, the family income threshold is increased by $1,500 for every MLS dependent child after the first child. For example, if you have three dependent children, your family income threshold will increase by $3,000.
To work out your annual income for MLS purposes, you can refer to the ATO's Medicare Levy Surcharge Income Calculator.
You can avoid having to pay the MLS by simply choosing any hospital cover product with CBHS. Our premiums are lower than the industry average, and as a not for profit health insurer we provide outstanding value and better per service limits to our members. We also offer a comprehensive range of extras and insurance products in addition to hospital cover.
Feel free to contact us if you have any questions about the Medicare Levy Surcharge or any queries about our products and services. Our friendly team is ready to answer your queries by phone at 1300 654 123. You can also connect with us by sending an email to firstname.lastname@example.org.
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
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 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
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
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
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
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. Thankyou CBHS!!!
- Karen W
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