Belong to More
70 years with a singular mission. Members for life.Everything we do centres around achieving that goal.
Description | Overall limit |
---|
- 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 periods | Calendar Months |
---|---|
Orthodontia, crowns and bridges, health care aids | 12 Months |
Prescribed optical appliances, periodontics and endodontics | 6 Months |
All other services | 2 Months |
- Limited preventative dental per year (2 month waiting period)
- Limited general dental per year (2 month waiting period)
- Limited major dental on gum treatment (periodontics) and root canal treatment (endodontic) covered with up to 70% cost per service benefit (6 month waiting period)
PREVENTATIVE DENTAL | ||||
---|---|---|---|---|
Description | 70% of the cost up to the per service benefit | Overall Limit | Benefit Period | Waiting Period |
Oral examinations (011, 012, 013) | $35-$45 | $230 | Calendar year | 2 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-$150 | |||
Fissure sealing (161) | $34 |
GENERAL DENTAL | ||||
---|---|---|---|---|
Description | 70% of the cost up to the per service benefit | Overall Limit | Benefit Period | Waiting Period |
Fillings | $81-$150 | $500 | Calendar year | 2 Months |
Consultation & Examinations | $28-$40 | |||
X-rays | $21-$60 | |||
Extraction or Surgical Dental | $50-$255 |
MAJOR DENTAL | ||||
---|---|---|---|---|
Description | 70% of the cost up to the per service benefit | Overall Limit | Benefit Period | Waiting Period |
Periodontics (gum treatment) | $24-$260 | $400 | Calendar year | 6 Months |
Endodontic (root canal treatment) | $7.50-$180 | |||
Crowns and bridges | $10-$700 | $700 | Any 5 years | 12 Months |
Orthodontia | 70% | $700 annual limit | $1400 lifetime limit | 12 Months |
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.
- $250 annual limit and up to 70% cover on many types of prescription glasses and frames (6 month waiting period)
Service | 70% of the cost up to the per service benefit | Overall Limit | Benefit Period | Waiting Period |
---|---|---|---|---|
Frames | $90 | $250 | Calendar year | 6 Months |
Single vision (pair 212) | $70 | |||
Bifocal (pair) (312) | $60 | |||
Trifocal (pair) (412) | $90 | |||
Multifocal (pair) (512) | $100 | |||
Contact lenses (852) | $160 |
- 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 $300 (2 month waiting period)
THERAPIES | ||||
---|---|---|---|---|
Description | 70% of the cost up to the per service benefit | Overall Limit | Benefit Period | Waiting Period |
Physiotherapy (Initial/Subsequent) | $61/$43 | $300 | Calendar year | 2 Months |
Chiropractic (Initial/Subsequent) | $61/$40 | $250 | ||
Osteopathy (Initial/Subsequent) | $61/$35 | |||
Podiatry (excl. artificial aids: e.g. orthotics) | $30-$50 | $250 | ||
Dietitian (Initial/Subsequent) | $75/$42 | $100 |
ALTERNATIVE THERAPIES | ||||
---|---|---|---|---|
Description | 70% of the cost up to the per service benefit | Overall Limit | Benefit Period | Waiting Period |
Oriental Therapies - Acupressure, Acupuncture, Chinese Herbal Medicine Consultation, Chinese Massage, Traditional Chinese Medicine Consultation | $33 | $300 | Calendar year | 2 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)
Description | 70% of the cost up to the per service benefit | Overall Limit | Benefit Period | Waiting Period |
---|---|---|---|---|
Blood Glucose Accessories | 70% | $100 | Calendar year | 2 Months |
Non-Pharmaceutical Benefits Scheme drugs requiring a prescription by law | 100% less the current prescribed PBS co-payment for general patients up to $75 per prescription | $300 |
- When referred by a doctor and recognised by CBHS, you can get up to 70% cost per service benefit on artificial aids, blood pressure monitors, nebulisers and glucometers over a 3 year period (12 month waiting period applies)
Description | 70% of the cost up to the per service benefit | Overall Limit | Benefit Period | Waiting Period |
---|---|---|---|---|
Artificial aids | $10-$350 | $350 | Any 3 years | (12 month waiting period) - referred by a doctor and recognised by CBHS |
Blood pressure monitor, Nebuliser, Glucometer | 70% | $300 |
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 | ||||
---|---|---|---|---|
Description | Overall Limit | Benefit Period | Waiting Period | |
Breast examinations (i.e. mammograms/x-rays) | $200 | Calendar year | 2 months | |
Bone density tests | ||||
Skin cancer screening | ||||
Bowel/prostate cancer screening | ||||
Eye Screenings |
HEALTH MANAGEMENT | ||||
---|---|---|---|---|
Description | Overall Limit | Benefit Period | Waiting Period | |
Quit smoking programs2 | $100 | Calendar year | 2 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 Intermediate Extras product sheet to help you understand your cover and benefits.