Who is eligible to join CBHS?

Anyone who works or has worked for the Commonwealth Bank Group (CBA Group) including parents, partner, siblings, dependants or grandparents.

Even if you don’t work for the CBA Group anymore, you and your immediate family are still eligible to join, and always will be.

See full eligibility details here.

What do I have to do if I leave the CBA Group?

When you leave the CBA Group, you can still stay with us or re-join. Please contact us when you know your last day at CBA so we can update your details.

Do I need to re-serve waiting periods when I join CBHS?

If you transfer from equivalent cover with another Australian health fund (as confirmed by your Transfer Certificate) and have served all the waiting periods with your previous fund, you won’t have to re-serve waiting periods with us. This is also if you join CBHS within one calendar month of leaving the old fund. Waiting periods may apply if you choose to upgrade to a higher level of cover or if you suspend your cover. Read more on waiting periods.

What are my payment options?

You can pay by direct debit, invoice or CBA and Bankwest salary deductions either fortnightly, monthly, quarterly, or annually. We no longer accept billing in arrears.

You can also pay by credit card, BPoint and BPAY for memberships paid 3, 6 or 12 months in advance. We don’t accept regular payments via credit cards.

Who can be covered by my Couple or Family policy?

We do not discriminate.

Family

Up to two parents and their children can be covered by a Family or Sole Parent policy regardless of whether your family has one dad and one mum, one dad, one mum, two dads or two mums.

Our Family and Sole Parent policies can cover parents and their adopted children, and foster parents (including grandparents, aunts and uncles etc.) who have children in their legal care. For children to be included on a Family or Sole Parent policy, it’s important that guardianship be recognised by a Federal or State Government agency such as Medicare or one of the state-based family/community services agencies. We may ask for evidence of this guardianship.

Children are covered by your Family or Sole Parent policy until they turn 18 (or 31 if they are still studying full-time). If you have children aged 18 or over who aren’t studying, you’re welcome to upgrade to our non-student dependant cover, which they can stay on until they turn 31, regardless of their studying status.

For cover for other extended family members, check out our eligibility rules.

Couple

A ‘Couple’ membership means a membership that includes two people − the policy holder and their partner. You don’t need to be married. 

If you have any questions about cover for your partner and/or family, please contact our Member Services team 

1300 654 123 or email help@cbhs.com.au.

What is a student dependant?

A child of a policy holder, provided the child does not have a partner, is at least 18 but under 31, and is a full-time student at a school, college, or university, or a first or second year apprentice.

What is a non-student dependant?

A child of a policy holder, provided the child does not have a partner, is at least 18 but under 31, and is not a full-time student at a school, college or university, or a first or second year apprentice.

Do I have to pay an excess / co-payment for my dependants?

We waive the excess or co-payments for any dependent children on your membership for the following covers:

• Complete Gold Hospital
• Advanced Silver Plus Hospital
• Everyday Silver Plus Hospital
• Value Bronze Plus Hospital
• Comprehensive Hospital 70 (Gold)
• Comprehensive Hospital 100 (Gold)
• Comprehensive Hospital $750 Excess (Gold)
• Limited Hospital 70 (Bronze Plus)
• Limited Hospital 100 (Bronze Plus)
• LiveLife (Gold)
• StepUp (Bronze Plus)

If you hold any other cover, all child dependants will have to pay the excess or co-payment for hospital admission if applicable.

If you have Hospital A Excess (Gold) or Hospital B Excess (Bronze Plus), you can log in to the Member Centre or contact us to determine the excess payable.

How do I request a new membership card?

You can do this online via the CBHS Member Centre or via our smartphone app.

How can I obtain my tax statement?

You can download your tax statements from the Member Centre.

Login to the CBHS Member Centre

• From the menu select Tax Statement
• Click on the Tax Statement you wish to view
• Your Tax Statement will then be displayed in PDF format

How much will I have to pay in taxes, rebates and levies?

We recommend you consult your accountant or the Australian Taxation Office (ATO) to determine your obligations and impacts from taxes, rebates and levies. We can provide general information on the Australian Government Rebate for private health insurance, and period of coverage, but we can’t provide advice or recommendations for personal tax impacts.

How can I update my contact and address details?

You can update your contact and address details online via the CBHS Member Centre.

My product is ‘closed’, what does this mean?

We continuously review our products. If a product becomes ‘closed’, no new members can purchase this policy but existing members that currently have the policy can remain on this cover. Call us on 1300 654 123 for details of your product and to check if it still meets your needs.

What can I claim for?

What you’re eligible to claim for depends on your level of cover. Briefly, these are some of the categories that our products may cover:

• Dental, optical, physiotherapy and chiropractic services
• Artificial aids and healthcare appliances
• Hospital psychiatric services, rehabilitation and palliative care
• Hospital cover ranging from Basic Plus to Gold
• In-vitro fertilisation treatment
• Surgical podiatry, surgical dental, gym memberships and health management services.

Find out more

Can I claim for treatment, services or goods received overseas?

No. Under the CBHS Health Benefit Fund Rules and the Private Health Insurance (Accreditation) Rules 2008, benefits for treatments, goods and services listed under Extras covers are payable only if the provider is a CBHS Recognised Provider and meets the Private Health Insurance (Accreditation) Rules 2008.

Overseas providers don’t meet these criteria.

What are the additional requirements for making a claim for health management services?

If you’re claiming for health management services such as gym memberships and personal training, you’ll need to have your GP, specialist, or allied health service provider complete a Health Management Program (HMP) Authorisation Form. Then, simply provide this to us when submitting your claim. Authorisation Form. Then, simply provide this to us when submitting your claim. You can find an HMP form on our Forms and downloads page.  

How do I calculate my Extras claims benefit?

We automatically calculate your claims benefit for you when you lodge a claim at your provider’s practice or when you lodge a claim online. If you claim through your provider, you’ll receive the benefit as a deduction in your out-of-pocket expenses. Your claims benefit will be based on the maximum claimable amount and overall limit for the category and applicable benefit period. You’ll also have to have sufficient available limit remaining.

You can also use the Online Benefit Quote tool in the Member Centre.

What is the CBHS Choice Network?

This is a group of providers who are committed to reducing or removing the gap for Extras services on selected preventative dental and optical frames, lenses and contact lenses.

Find a CBHS Choice Network provider

Why does CBHS only allow same day claiming for electronic claims?

CBHS allows same day electronic claiming by the provider at point of service only. The provider can't claim for a service electronically after the member has left the facility. 

If a claim cannot be processed on the date of service, you’ll need to pay the invoice and then submit your claim to us online. 

What if I don’t have my membership card with me at the time of treatment?

You will have to pay for the treatment then lodge a claim with us either online, via our smartphone app or by email or post.

• Log in to claim online
• Download a claim form

Why do I need a doctor’s referral for certain claims?

We sometimes need a referral from your medical practitioner to confirm that the product you’re claiming is medically required.

What types of services do I need a referral for?

We need a referral from your medical practitioner for artificial aids, health care appliances, contraceptives and some pharmacy items in certain circumstances.

How long will my referral last?

Artificial aids and health care appliances – three years

• Contraceptives – 12 months

How can I claim on travel and accommodation?

Under Top Extras/Prestige (Gold)/LiveLife (Gold) cover, we pay benefits towards travel and accommodation if you need essential medical or dental treatment that is not available within a 160km round trip from your home.

The benefit is only payable to the patient who requires treatment.  We pay benefits of up to an overall limit of $500 in a calendar year, per membership, on the following travel and accommodation items:

• The patient’s ticket for travel by rail, bus or economy flight
• $0.15c per kilometre for travel by car
• The cost of a single room if accommodation is required.

Essential medical treatment means:

• You have been referred for the treatment by a registered medical practitioner; and
• You have given us a medical certificate from the registered medical practitioner, which states that the treatment is essential.

We also require the following:

A medical certificate from the medical practitioner/a copy of the doctor’s invoice as confirmation you have attended the practice/clinic

• A copy of the receipt from the hotel, motel, etc. (for accommodation only)
• A completed and signed CBHS claim form.

Do I need to send the original receipts?

No. We accept scanned or duplicate receipts.