Essential Extras

Affordable level of Extras that covers you for the day-to-day basics you need

Essential Extras covers the basics services you need. It’s perfect for young  singles and couples and families on a budget.

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Description Overall limit
Legend
  • 3Benefit period over any 3 years.
  • 5Benefit period over any 5 years.
  • 7Lifetime benefit.
  • 8Benefit per membership per year.
  • 9Benefits are 90% of the cost up to maximum category limit.
Each service we give a benefit on has an associated overall limit, sometimes an annual, multi-year or lifetime benefit period and a waiting period.

Once you’ve been a CBHS member and served the relevant waiting period, you can claim benefits on services covered under your policy. In some instances, there’s a limit to how much you can claim.

A benefit is not payable in respect of a service that was rendered to a members if the services can be claimable from any other source.

Extras waiting periodsCalendar Months
Prescribed optical appliances6 Months
All other services2 Months
  • Limited preventative dental per year (2 month waiting period)
  • Limited general dental per year (2 month waiting period)
PREVENTATIVE DENTAL
Description70% of the cost up to the per service benefitOverall LimitBenefit PeriodWaiting Period
Oral examinations (011, 012, 013)$35-$45$210Calendar year2 Months
X-ray (022)$28
Removal of plaque (111)$41
Removal of calculus (114,115)$65-$70
Fluoride application (121)$25
Mouthguard (151,153)$130-1$50
Fissure sealing (161)$34
GENERAL DENTAL
Description70% of the cost up to the per service benefitOverall LimitBenefit PeriodWaiting Period
Fillings$81-$150$170Calendar year2 Months
Consultation & Examinations$28-$40
X-rays$21-$60
Extraction or Surgical Dental$50-$170

Benefits are not payable for Do-It-Yourself (DIY) dentistry including whitening kits, aligners and occlusal splints. Please contact us to confirm whether a benefit is payable.

  • $200 annual limit and up to 70% cover on prescription glasses and frames (6 month waiting period)
Service70% of the cost up to the per service benefitOverall LimitBenefit PeriodWaiting Period
Frames$70

$200

Calendar year6 Months
Single vision (pair 212)$70
Bifocal (pair) (312)$60
Trifocal (pair) (412)$60
Multifocal (pair) (512)$70
Contact lenses (852)$140
  • Physio, chiro, osteo and dietitian covered with up to 70% cost per service benefit (2 month waiting period)
  • Alternative therapies including oriental therapies and massage therapies are also covered with up to 70% cost per service benefits with an overall limit of $200 (2 month waiting period)
THERAPIES
Service70% of the cost up to the per service benefitOverall LimitBenefit PeriodWaiting Period
Physiotherapy (Initial/Subsequent)$61/$43$200Calendar year2 Months
Chiropractic (Initial/Subsequent)$61/$40
Osteopathy (Initial/Subsequent)$61/$35
Dietitian (Initial/Subsequent)$75/$42$100
ALTERNATIVE THERAPIES
Service70% of the cost up to the per service benefitOverall LimitBenefit PeriodWaiting Period
Oriental Therapies - Acupressure, Acupuncture, Chinese Herbal Medicine Consultation, Chinese Massage, Traditional Chinese Medicine Consultation$33$200Calendar year2 Months
Massage Therapies - Deep Tissue Massage, Lymphatic Drainage, Myotherapy, Remedial Massage, Sports Massage, Swedish Massage, Therapeutic Massage
  • Blood glucose accessories, non-PBS drugs requiring a prescription by law covered with up to 70% cost per service benefits and limited annual limits (2 month waiting period applies)
Description70% of the cost up to the per service benefitOverall LimitBenefit PeriodWaiting Period
Blood Glucose Accessories70%$100Calendar year2 Months
Non-Pharmaceutical Benefits Scheme drugs requiring a prescription by law100% less the current prescribed PBS co-payment for general patients up to $75 per prescription$200

CBHS Wellness Benefits cover you for a variety of health checks and programs designed to assist you in better managing your health and wellbeing.

  • A generous 90% cost per service benefit applies to health checks including breast examinations, bone density tests, skin cancer screening+, bowel/prostate cancer screening, eye screenings (2 month waiting period)
  • We cover health management services that will help you quit smoking, as well as weight and stress management programs (2 month waiting period)
  • We even cover gym memberships as part of a Health Management program where recommended by a GP or recognised provider (2 month waiting period)

90% of the cost up to the overall limit below:

HEALTH CHECKS
DescriptionOverall LimitBenefit PeriodWaiting Period
Breast examinations (i.e. mammograms/x-rays)$200Calendar year2 months
Bone density tests
Skin cancer screening
Bowel/prostate cancer screening
Eye Screenings
HEALTH MANAGEMENT
DescriptionOverall LimitBenefit PeriodWaiting Period
Quit smoking programs2 $100 Calendar year2 months
Weight management programs2
Stress management courses2
Gym membership/Personal training1$115 ($100 sub limit on personal training)

1 CBHS can only pay a benefit for gym membership/personal trainer/ where the gym/personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. Approval form is available from CBHS. Please note that GP consultations are not covered by CBHS.
2 Must be approved by CBHS.
+ Examples of skin cancer screening include mole mapping or digital mole photography.

CBHS provides benefits towards scans, screenings and tests, where members take a pro-active way to manage their health, but only where these do not attract a benefit from Medicare. We are only able to pay a benefit for selected scans, screenings and tests when they are NOT covered by Medicare. Your GP or provider will be able to advise you if your scan, screen or test, meets Medicare’s criteria for benefits.

Supporting Information

Refer to the Essential Extras product sheet to help you understand your cover and benefits.

From
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Price is for single in , aged 30, with income $90,000.00 per year. Includes Australian Government Rebate on Private Health Insurance of 25.059%.