Glossary of terms

Here’s a guide to assist you in understanding the meaning of the terminology used by CBHS.

  • Certified Age of Entry (CAE)

    The age that a person is assigned when first purchasing Hospital cover, as relevant to Lifetime Health Cover. For more information click here Read more

    The age that a person is assigned when first purchasing Hospital cover, as relevant to Lifetime Health Cover. For more information click here

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  • Changing your address or details

    Each state has different rules related to ambulance coverage. If you change your home address you should make sure that you update your details with CBHS. Some changes may require you to adjust your cover. You can change your.. Read more

    Each state has different rules related to ambulance coverage. If you change your home address you should make sure that you update your details with CBHS. Some changes may require you to adjust your cover. You can change your address or contact details online or call our Member Care Centre on 1300 654 123.

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  • Chemotherapy

    Chemotherapy is the use of drugs to treat cancer by destroying or slowing the growth of fast-growing cancer cells.  CBHS does not pay benefits for chemotherapy treatment performed as a non-admitted patient.  If you are.. Read more

    Chemotherapy is the use of drugs to treat cancer by destroying or slowing the growth of fast-growing cancer cells. 

    CBHS does not pay benefits for chemotherapy treatment performed as a non-admitted patient.  If you are an admitted patient to receive chemotherapy treatment please contact our Member Care on 1300 654 123 to confirm your cover.

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  • Choice Network

    The CBHS Choice Network 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. Read more

    The CBHS Choice Network 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.

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  • Clearance Certificate (Transfer Certificate)

    Private health insurance consumers have the right to transfer between different insurers without re-serving waiting periods. When a consumer transfers to a new health insurer, a clearance certificate is required in order to.. Read more

    Private health insurance consumers have the right to transfer between different insurers without re-serving waiting periods. When a consumer transfers to a new health insurer, a clearance certificate is required in order to confirm the previous level of cover held and whether or not the Lifetime Health Cover loading should apply.

    Details provided on the clearance certificate include:

    • Level of cover
    • Join and cancellation date
    • Waiting periods served
    • Certified Age of Entry (CAE)
    • Lifetime Health Cover age
    • Days Without Cover
    • Persons covered

    For more information click here

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  • Cochlear Implant

     A Cochlear Implant (CI) is a surgically implanted electronic device that provides a sense of sound to a person who is profoundly deaf or severely hard of hearing. The Cochlear Implant is often referred to as a bionic ear.. Read more

     A Cochlear Implant (CI) is a surgically implanted electronic device that provides a sense of sound to a person who is profoundly deaf or severely hard of hearing. The Cochlear Implant is often referred to as a bionic ear. Unlike hearing aids, the cochlear implant does not amplify sound, but works by directly stimulating any functioning auditory nerves inside the cochlea with electrical impulses. External components of the cochlear implant include a microphone, speech processor and transmitter which also allow an individual to adjust the sound for quality and amplification.

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  • Code of Conduct

    The Private Health Insurance Code of Conduct is a self-regulatory code to promote informed relationships between private health insurers and consumers. As a signatory to the Code of Conduct, CBHS has made a commitment to: Work.. Read more

    The Private Health Insurance Code of Conduct is a self-regulatory code to promote informed relationships between private health insurers and consumers. As a signatory to the Code of Conduct, CBHS has made a commitment to:

    • Work towards improving the standards of practice and service in the private health insurance industry.
    • Provide information to members in plain language.
    •  Promote better informed decisions about private health insurance products and services by:
    • Ensuring that policy documentation is full and complete.
    • Providing clear explanations on the contents of the policy documentation upon request.
    • Ensuring that staff providing information on health insurance are appropriately trained.
    • Ensure that information exchanged between CBHS and its members is protected in accordance with privacy principles.
    • Provide information to members on their rights and obligations under their policy with CBHS, including information on the code of conduct.
    • Ensure all members are aware of the internal and external dispute resolution process.

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  • Colonoscopy

    Colonoscopy or coloscopy is the endoscopic examination of the large bowel and the distal part of the small bowel with a CCD camera or a fiber optic camera on a flexible tube passed through the anus. It can provide a visual.. Read more

    Colonoscopy or coloscopy is the endoscopic examination of the large bowel and the distal part of the small bowel with a CCD camera or a fiber optic camera on a flexible tube passed through the anus. It can provide a visual diagnosis (e.g. ulceration, polyps) and grants the opportunity for biopsy or removal of suspected colorectal cancer lesions.

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  • Comfort and Fit

    Comfort and fit are specialists in orthopaedic and medical grade footwear. CBHS pays benefits, on some levels of cover, for orthopaedic footwear provided by Comfort & Fit if the claim is supported by a referral from a: .. Read more

    Comfort and fit are specialists in orthopaedic and medical grade footwear.

    CBHS pays benefits, on some levels of cover, for orthopaedic footwear provided by Comfort & Fit if the claim is supported by a referral from a:

    • Podiatrist
    • Orthopaedic surgeon
    • Rheumatologist
    • Rehab Specialist
    • Physiotherapist

    More information:  Comfort & Fit , Top Extras

    Shoes purchased from Comfort & Fit are payable under the Artificial Aids limit.

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  • Compensation

    Something, typically money, awarded to someone in recognition of loss, suffering, or injury.  CBHS will not pay benefits towards claims that are compensable from another source.

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  • Compound Drugs

    Compounding (also pharmaceutical compounding and compounding pharmacy) is the mixing of drugs by a compounding pharmacist to fit the unique needs of a patient. This may be done for medically necessary reasons, such as to change.. Read more

    Compounding (also pharmaceutical compounding and compounding pharmacy) is the mixing of drugs by a compounding pharmacist to fit the unique needs of a patient. This may be done for medically necessary reasons, such as to change the form of the medication from a solid pill to a liquid, to avoid a non-essential ingredient that the patient is allergic to, or to obtain the exact dose needed. It may also be done for voluntary reasons, such as adding favourite flavours to a medication.

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  • Cooling off period

    CBHS will allow any member who has not yet made a claim, to cancel their membership and receive a full refund of any contributions paid within a period of 60 days from the commencement date of their policy. The following.. Read more

    CBHS will allow any member who has not yet made a claim, to cancel their membership and receive a full refund of any contributions paid within a period of 60 days from the commencement date of their policy.

    The following conditions apply to the 60-day Cooling-off Period:

    members must ask for cancellation under the 60-day Cooling-off Period by telephone,letter, fax or email

    the 60-day Cooling-off Period applies when a new member begins membership or when an existing member varies their level of cover

    the 60-day Cooling-off Period begins the day the member receives their CBHS policy documentation

    if for any reason the member receives no policy documentation, the 60-day Cooling-off Period begins 7 days after the membership commencement or variation date

    CBHS will not refund paid contributions if claims have been or will be lodged for services received during the 60-day Cooling-off Period.

    CBHS ensures that all detailed CBHS policy documentation explains the 60-day Cooling-off Period.

    Click here for more information.

     

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    Private Health Insurance Act (PHI)
  • Co-payment

    Members can lower the contribution rates for their Comprehensive Hospital (Gold) or Limited Hospital (Bronze Plus) cover by electing to pay a daily co-payment. There are two daily co-payment options - $70 or $100. This means that.. Read more

    Members can lower the contribution rates for their Comprehensive Hospital (Gold) or Limited Hospital (Bronze Plus) cover by electing to pay a daily co-payment.

    There are two daily co-payment options - $70 or $100. This means that if you are admitted to a hospital (including day surgeries), you will need to pay the relevant daily co-payment for each day you are hospitalised, up to a maximum of 6 days per person or 12 days per family per calendar year.

    StepUp (Bronze Plus) includes a $70 daily co-payment as a standard inclusion. Exclusive to StepUp (Bronze Plus) package cover, we will waive the daily co-payment for dependant children on your membership up to 12 years of age.

    You can also reduce the cost of your Comprehensive Hospital (Gold) cover by agreeing to pay an excess of $750 and Basic Plus Hospital cover by agreeing to pay an excess of $500 or $750.

    For more information please visit our hospital comparison page.

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  • Cosmetic Services

    Cosmetic service means an operation, procedure or treatment undertaken for the dominant purpose of improving appearance or improving psychological wellbeing. Medicare benefits are not payable for non-therapeutic cosmetic surgery.. Read more

    Cosmetic service means an operation, procedure or treatment undertaken for the dominant purpose of improving appearance or improving psychological wellbeing. Medicare benefits are not payable for non-therapeutic cosmetic surgery. Cosmetic services are listed as Exclusions on all CBHS hospital products. To confirm cover, please contact our Member Care Centre on 1300 654 123 or help@cbhs.com.au

    More information: CBHS Fund Rules

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  • Counselling

    Counselling is a process that enables a person to calmly address their problems and issues in a supportive environment so that a greater understanding can be achieved. This can assist a person to make positive changes or it may.. Read more

    Counselling is a process that enables a person to calmly address their problems and issues in a supportive environment so that a greater understanding can be achieved. This can assist a person to make positive changes or it may help someone accept a difficult situation and become more resilient.

    CBHS does not pay benefits towards counselling services provided by a counsellor.  Services provided by a psychologist, please visit.

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  • CPAP Machine (CSD)

    Continuous Positive Airway Pressure (CPAP) is the use of continuous positive pressure to maintain a continuous level of positive airway pressure in a spontaneously breathing patient. A CPAP Machine is payable under the Artificial.. Read more

    Continuous Positive Airway Pressure (CPAP) is the use of continuous positive pressure to maintain a continuous level of positive airway pressure in a spontaneously breathing patient. A CPAP Machine is payable under the Artificial Aids limit.

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Contact Us

If you have any further questions or want more information about your health insurance, our friendly team is ready to assist you with your queries. Simply call 1300 654 123 or send an email to help@cbhs.com.au and we'll get back to you.