Looking for more value from your health cover?

On 1 April 2026 when health insurance premiums increased across Australia, CBHS was among the lowest in the industry.1

As a not-for-profit, member-owned fund, we're all about keeping great health cover affordable. That's why our average premium increase was also lower than the major funds1, the current inflation rate2 and the yearly increase in hospital costs3.

With CBHS, affordability doesn’t mean compromising on quality. We work hard to provide our members with health cover that includes high-quality health and wellbeing benefits, programs and services. That's what helps us keep members for life.

More money back
to members4

Thumbs Up

More satisfied
members5

More loyal
members6

Choose health cover to match your needs

Hospital & Extras

Mix and match Hospital and Extras covers to find the perfect combination for your lifestage and budget.
VIEW HOSPITAL & EXTRAS

Packaged cover

We’ve made choosing cover even easier with KickStart (Basic Plus), a cost-effective Hospital and Extras cover.

VIEW PACKAGED COVER

Why CBHS?

At CBHS Health, we are driven by one simple goal: keeping you healthy and well for life.

As a not-for-profit, we’re solely focused on delivering more value to you.

That means:

Generous member benefits that put money back in your pocket4

Reliable, quality cover matched to your needs

Access to over 9,000+ optical and dental Choice Network providers to help deliver you savings7

Warm, caring service with higher member satisfaction rates than the major funds5

Discounts on eligible Hospital products if you’re aged 18-298

60-day cooling off period for complete peace of mind - that’s twice the amount of most other funds9

Easy to join & simple to switch – we’ll take care of the paperwork

GET A QUOTE and join online, or REQUEST A CALL BACK

Can you join us?

As a restricted not-for-profit health fund, we exist to provide high-value health cover to current and former employees of the Commonwealth Bank Group (CBA Group), employees of CBA Group contractors and franchisees and their families.

What our members say

Dental became much more affordable for us. We switched to your preferred providers and we had no out of pocket expense for the children's mouth guards, along with several other dental services 👌. Safe sports, cool-coloured mouths and sustainability - and my daughter chose a biodegradable tree green mouth guard! Thanks CBHS.

manda-b
Manda B

Our family has full private health with CBHS − always have and definitely always will now. CBHS helped my family immensely, mainly my mother who died of brain cancer a few years ago. Without the help of CBHS we would have lost our family home to pay for all the hospital and medical bills and my dad would have been forced to work rather than care for my mother in her final days. CBHS not only gave us peace of mind with finances but peace of mind with life, freeing us up to be with Mum.

Nicole M
Nicole M
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1 Source: Average annual price changes in private health insurance premiums, Australian Government Department of Health, Disability and Ageing, February 2026.
 2 Reserve Bank of Australia, Consumer Price Index, January 2026.
 3 Source: 2026 Private Health Insurance Premiums, Australian Government Department of Health, Disability and Ageing, February 2026.
4 90% compared to 85% across the industry. Calculated based on the average of the past 10 years from 2016-25, sourced from APRA annual PHI Statistics.
5 Source: Ipsos Healthcare & Insurance Australia 2025 Survey. Major Funds include Medibank, Bupa, nib, HCF, AHM.
 6 Source: Private Health Insurance Ombudsman State of the Health Funds Report 2023-24. Data relates to the total gain or loss of members over the last two years, which takes into account consumers who take up Hospital membership and leave within that two-year period.
 7 At Optical and Dental Choice Network providers. Benefits are subject to level of cover and overall and available limits at time of service.
 8 Age-based discounts on Hospital cover for Australians between the ages of 18 and 29.
 9 If you are not satisfied with your health insurance for any reason, you have 60 days from the receipt of your CBHS policy to cancel your membership and receive a refund provided you have not made a claim or have no pending claims.

CBHS is a restricted not-for-profit health fund, for current and former employees of the Commonwealth Bank Group (CBA Group) and their families, employees of CBA Group contractors and franchisees and their families. More information on eligibility available here.