Top Extras

Peace of mind for you and your family

Get the most out of your cover with our Top Extras. This comprehensive level of cover is perfect for families with young kids, mature-aged singles or couples.

Mom and daughters

Belong to More

70 years with a singular mission. Members for life.
Everything we do centres around achieving that goal.
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 member if the services can be claimable from any other source.

Extras waiting periodsCalendar Months
Crowns and bridges, orthodontia, artificial aids, healthcare appliances, oxygen apparatus and hearing aids 12 Months
Prescribed optical appliances, periodontics, endodontics, inlays/onlays, facings, veneers, occlusal therapy, dentures and implants 6 Months
All other services 2 Months
  • Unlimited preventative dental per year (2 month waiting period)
  • Unlimited general dental per year (2 month waiting period)
  • Major dental with up to 70% cover and generous overall limits (6 or 12 month waiting period depending on procedures)
PREVENTATIVE DENTAL
Description70% of the cost up to the per service benefitOverall LimitBenefit PeriodWaiting Period
Oral examinations (011, 012, 013)$35-$45UnlimitedCalendar 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-$150
Fissure sealing (161)$34
GENERAL DENTAL
Description70% of the cost up to the per service benefitOverall LimitBenefit PeriodWaiting Period
Fillings$81-$150UnlimitedCalendar year2 Months
Consultation & Examinations$28-$40
X-rays$21-$60
Extraction or Surgical Dental$50-$255
MAJOR DENTAL
Description70% of the cost up to the per service benefitOverall LimitBenefit PeriodWaiting Period
Periodontics (gum treatment)$24-$260$630Calendar year6 Months
Endodontic (root canal treatment)$7.50-$180$660Calendar year6 Months
Inlays/Onlays/Facing/
Veneers
$260-$600$1440Any 5 years6 Months
Dentures & Implants$20-$810$1350Any 5 years6 Months
Occlusal therapy$17-$260$920Lifetime6 Months
Orthodontia70%$2800Lifetime12 Months
Crowns and Bridges$10-$720$3000Any 5 years12 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.

  • $375 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$140

$375

Calendar year6 Months
Single vision (pair) (212)$130
Bifocal (pair) (312)$140
Trifocal (pair) (412)$150
Multifocal (pair) (512)$210
Contact lenses (852)$220
  • Physio, physiology services, chiro, osteo, hypnotherapy, occupational therapy, speech therapy, clinical psychology, ante natal / post natal physio, podiatry, audiology, eye therapy, dietitians and exercise physiology all covered with up to 70% cost per service benefit (2 month waiting period) aids
  • Alternative therapies including oriental therapies and massage therapies are also covered with up to 70% cost per service benefits (2 month waiting period)
THERAPIES
Description70% of the cost up to the per service benefitOverall LimitBenefit PeriodWaiting Period
Physiotherapy (Initial/Subsequent)$61/$43$720Calendar year2 Months
Chiropractic (Initial/Subsequent)$61/$40$720
Osteopathy (Initial/Subsequent)$61/$35$720
Hypnotherapy$80$360
Occupational Therapy (Initial/Subsequent)$61/$35$720
Speech Therapy (Initial/Subsequent)$95/$46$1850
Clinical Psychology (Initial/Subsequent)$140/$80$450
Ante natal/Post natal physiotherapy70%$105
Podiatry (excl. artificial aids: e.g. orthotics)$30-$50$400
Audiology$60$360
Eye Therapy$60$455
Dietitian (Initial/Subsequent)$75/$42$360
Exercise Physiology (initial/subsequent)$35/$35$360
Midwifery services (excl. home births) 70%$500
ALTERNATIVE THERAPIES
Description70% 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$450Calendar year2 Months
Massage Therapies - Deep Tissue Massage, Lymphatic Drainage, Myotherapy, Remedial Massage, Sports Massage, Swedish Massage, Therapeutic Massage$450
  • Blood glucose accessories, nurse visits at home, non-PBS drugs requiring a prescription by law, and travel & accommodation all covered with up to 70% cost per service benefits and generous annual limits (2 month waiting period and some other conditions apply)
Description70% of the cost up to the per service benefitOverall LimitBenefit PeriodWaiting Period
Blood Glucose Accessories70%$320Calendar year2 Months
Home visits by Registered Nurse$120 (>4 hrs) $80 (<4 hrs)$2800
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$1000
Travel & accommodation+50% of the cost for accommodation, airfare, train, bus or 15c per kilometre for car$500Per Membership per calendar year

+ Travel is only payable for a patient who requires essential medical and dental treatment, where it is not available at a facility within a 160 km round trip of the member's home. In order to claim travel a patient must be visiting a specialist and will require a referral letter. Excludes Ronald McDonald house.

  • When referred by a doctor and recognised by CBHS, you can get 70% cost per service benefit up to certain limits in any 3 year period (12 month waiting period applies)
Description70% of the cost up to the per service benefitOverall LimitBenefit PeriodWaiting Period
Artificial aids$10-$1000$1000Any 3 years(12 month waiting period) - referred by a doctor and recognised by CBHS
Hearing aids70%$1600
Blood pressure monitor, Nebuliser, Glucometer70%$500

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 $100Calendar 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 Top Extras product sheet to help you understand your cover and benefits.

From
$
Belong to More

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%.