CBHS provides benefits on three types of Support Aids and Appliances:

What are Artificial Aids?

Artificial Aid items help people manage an ongoing illness or condition, or may be required to assist with rehabilitation post a surgical procedure. Examples of an Artificial Aid are: a monitor, machine, device, splint, casts, supportive wear or protective items.

These items exclude Health Care Appliances and Hearing Aids, which have separate overall limits and benefit periods to that of Artificial Aids.

CBHS pays benefits for items when purchased outright from a supplier, and also pays benefits for some items when hired.

To support your claim for Artificial Aids you need a letter from a health professional that prescribes that the Artificial Aid is required to assist with treating or monitoring a specific health condition. This letter should be provided when lodging your claim for benefits with CBHS and is valid for 3 years from the date of the previous referral.

A referral from a health professional is not required when the Artificial Aid is provided by the treating health professional such as a physiotherapist, chiropractor, podiatrist or occupational therapist and invoiced on the treating professional’s stationery.

The following Extras products provide benefits for specific Artificial Aids and have varied overall limits and benefit periods:

CBHS Prestige

Our CBHS Prestige package cover provides members an overall limit of $1500 on Artificial Aids in any 3 years. The waiting period for this package is a standard 12 months.

LiveLife

The LiveLife package cover — which is only available to existing members and not to new joiners – provides an overall limit of $1500 on Artificial Aids in any 3 years. The waiting period for this package is also a standard 12 months.

StepUp

CBHS’s StepUp package cover provides members with an overall limit of $150 on Artificial Aids per calendar year, and has a 12 month waiting period.

Top Extras

If you have Top Extras cover with CBHS, you will have an overall benefits limit of $1000 on Artificial Aids in any 3 years, with a standard 12 month waiting period.

Intermediate Extras

The Intermediate Extras cover provides members with an overall limit of $350 to be used in any 3 years on Artificial Aids. The waiting period for these benefits is 12 months.

Artificial Aid

StepUp

CBHS’s StepUp package cover provides members with an overall limit of $150 on Artificial Aids per calendar year, and has a 12 month waiting period.

Top Extras

If you have Top Extras cover with CBHS, you will have an overall benefits limit of $1000 on Artificial Aids in any 3 years, with a standard 12 month waiting period.

Intermediate Extras

The Intermediate Extras cover provides members with an overall limit of $350 to be used in any 3 years on Artificial Aids. The waiting period for these benefits is 12 months.

Aids Provided by a Podiatrist

These are Aids that are provided by a Podiatrist to prevent musculoskeletal disorders, to aid in the recovery of an injury or to improve the health and wellbeing of members’ feet.

These Aids and their benefit amounts include:

  • Ankle-foot orthosis – Up to $103
  • Orthotic (1 orthotic for a single foot) – Up to $145
  • Heel stabiliser (made to a plaster model) – Up to $80
  • Heel stabiliser – Up to $20
  • Orthosis repair – Up to $50
  • Pre-moulded/pre-formed orthosis – Up to $58
  • Cushioning orthosis – Up to $37
  • Pressure relief orthosis – Up to $50
  • Moulded cast orthosis – Up to $152
  • Moulded non-cast orthosis – Up to $70
  • Heel lift – Up to $15
  • Interior shoe padding – Up to $12
  • Galey splint – Up to $170
  • Negative impression of the foot – Up to $37
  • Positive model fabrication of the foot – Up to $31
  • Negative impression eg: plaster cast of the foot – Up to $39
  • Positive model fabrication of the foot – Up to $46
  • Immobilisation splint thermoplastic plaster or other (below knee) - Up to $118
  • Immobilisation splint thermoplastic plaster or other (ankle/foot) - Up to $124
  • Immobilisation splint thermoplastic plaster or other (above knee) – Up to 70%
  • Protective device - Up to $22
  • Digital or partial foot prosthesis - Up to $20
  • Orthosis post extrinsic (forefoot or rear foot) – Up to $30
  • Splints: legs or arms – Up to $40
  • Custom footwear (a pair of shoes) – Up to $176

Monitors, Machines and Devices

  • CPAP Machine – Up to 70% of overall limit
  • Breast Feeding Pump – Up to 70% of overall limit
  • Digital ear thermometer – Up to $60
  • Vitalcall Alarm System (excludes monthly monitoring fees) – Up to $100
  • Baby Breathing Monitor – Up to $137
  • Heart Rate Monitor – Up to $232
  • Tens Machine – Up to $146
  • Enuresis Machine – Up to $100
  • Circulation Booster – Up to $238
  • Single Arch Apnoea Guard – Up to $175
  • Bi-maxillary Apnoea Guard – Up to $350
  • Flutter Pep System – Up to $108
  • Ray Lamp – Up to 70% of overall limit
  • Andro Vacuum Pump – Up to 70% of overall limit

Splints, Casts, Immobilisers and Supportive Wear

If you have recently sustained an injury or undergone surgery, it’s common to require a splint, cast, immobiliser or supportive wear. The per service benefit limits for these items are listed below:

  • Compression garments - Up to $75
  • Immobilisers - Up to $105
  • Surgical stockings - Up to $62
  • Calliper/splint – Up to $40
  • Pavlick harness – Up to $125
  • Plaster cast – Up to $50
  • Brace/collar (e.g. spine, knee, ankle) – Up to $81
  • Hernia support – Up to $40
  • Surgical corset/bras – Up to $60
  • Surgical/orthopaedic/medical grade footwear (a pair of shoes) – Up to $176
  • Orthotic (1 orthotic for a single foot) – Up to $140

Supportive or Protective Items

Following illness, an injury or surgery, special supportive or protective items may be needed during your rehabilitation process. Our per service limits for the following items include:

  • Medical bracelet – Up to $158
  • Vision impairment appliance (e.g. magnifying aid) – Up to $159
  • Punctum/punctual plugs (used for dry eyes) – Up to $62
  • Hip protectors – Up to $110
  • Support rails – Up to $70
  • Pick-up stick – Up to $25
  • Vitrectomy face cradle (used after Vitrectomy eye surgery) – Up to $84
  • Crutches/walking stick – Up to $120
  • Rubber air cushion – Up to $26
  • Ear plugs – Up to $56
  • Walking frame – Up to $150
  • Adjustable chair required after surgery – Up to $40
  • Wigs (e.g. for cancer patients) – Up to 70% of overall limit
  • Wheel chair – Up to 70% of overall limit
  • Toilet seat – Up to 70% of overall limit
  • Shower chair – Up to 70% of overall limit
  • Commode chair – Up to 70% of overall limit
  • Artificial eye – Up to $500
  • Artificial limb – Up to $400
  • Colostomy belt/guard – Up to $21

Hire Items

Hire Items – For those times that you only need an aid temporarily, CBHS provides benefits towards these hire items to help you with your health management process.

  • Wheel Chair Hire – Up to $40 per hire
  • Toilet Seat Hire – Up to $25 per hire
  • Crutches/Walking Stick Hire – Up to $20 per hire
  • Shower Chair Hire – Up to $70 per hire
  • Walking Frame Hire – Up to $70 per hire
  • Commode Chair Hire – Up to $70 per hire
  • Breast Feeding Pump – Up to $120 per hire
  • CPAP Machine – Up to 70% of overall limit

What are Health Care Appliances?

These are appliances that assist people with treating or monitoring a condition or illness.

To support your claim for a Health Care Appliance, you need a letter from a health professional that prescribes that the item is required to assist with treating or monitoring a specific health condition. This letter should be provided when lodging your claim for benefits with CBHS.

The following Extras products provide benefits for specific Health Care Appliances and have varied overall limits:

CBHS Prestige

The premium CBHS Prestige package cover offers members an overall service limit of $500, to be used over a timeframe of any 3 years. The waiting period for this benefit is a standard 12 months.

LiveLife

Only available to existing CBHS members, the LiveLife package cover provides an overall limit of $500. Available to be used in any 3 years, this benefit has a 12 month waiting period.

Top Extras

With a standard 12 month waiting period and a benefit period within any 3 years, our Top Extras cover provides members with an overall service limit of $500.

Intermediate Extras

CBHS members that are covered with our Intermediate Extras option will have an overall service limit of $300 to be used in any 3 years. The waiting period on these benefits is a standard 12 months.

The Health Care Appliances that members can claim on and their per service limits are listed below

  • Aerochamber – Up to 70% of overall limit
  • Blood pressure monitor – Up to 70% of overall limit
  • Glocometer – Up to 70% of overall limit
  • Nebuliser – Up to 70% of overall limit
  • Peak flow meter/spacer – Up to 70% of overall limit
  • Spirometer – Up to 70% of overall limit
  • Vaporiser – Up to 70% of overall limit
  • Volumatic – Up to 70% of overall limit

What is a Hearing Aid?

A Hearing Aid is an electronic device worn in or on the ear to help a person who has hearing problems to hear well.

Members who have this benefit included in their Extras option will receive 70% of the service cost up to the per service benefits.

The following Extras products provide benefits for Hearing Aids and have varied overall limits:

CBHS Prestige

As a premium package cover option, CBHS’s Prestige health insurance cover provides members with an overall service limit of $2200 for hearing aids. This limit is applicable within any 3 years, and the waiting period for this benefit is a standard 12 months.

LiveLife

The exclusive LiveLife cover by CBHS is only for existing members and is not an option for new members. Within the benefit period of any 3 years, the overall service limit on hearing aids for these members is $2200, with a waiting period of 12 months.

Top Extras

For members that have Top Extras cover with CBHS, they will receive overall service limits of $1600 in any 3 years when purchasing hearing aids. A standard waiting period of 12 months applies to this benefit.

TBA.

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. Thankyou 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

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