At CBHS we help you manage your health challenges. We believe in offering you the services, support and tools you need to live your best life.
Our Better Living Programs are available to support eligible members towards a healthier lifestyle. Each Better Living Program is subject to its own eligibility criteria.
Contact us for more information and to confirm your eligibility for a program.
Discounts for younger members
We make Hospital cover more affordable for young Australians.
Proudly not-for-profit since 1951.
We turned 70 at the beginning of 2021. Seventy years of providing the highest value health insurance will teach you a thing or two about health and loyalty. We are proud to say that after more than 70 years, we still exist to bring you value every day. Simply put; our loyalty is to you and your health is our priority.
Discounts for 18 to 29 year-olds
We offer age-based discounts on Hospital cover for Australians between the ages of 18 and 29.
The discount depends on your age when you first take out an eligible Hospital cover. It ranges from 10% if you take out cover before the age of 26 to 2% if you take out cover at the age of 29.
The discount is ongoing, so if you keep your eligible Hospital cover, you’ll receive the discount every year until you turn 41.
From then on, the discount will reduce by 2% a year until it reaches zero.
Am I eligible?
To be eligible, you’ll have to have your own cover or cover with your partner. The age-based discount is not available for dependants who are on their parent’s policy.
If you are on couples or family cover, the discount is calculated by taking an average of the discount applied to the adults on the Hospital cover.
Existing CBHS members
If you were already a member, under 30 as at 1 April 2019, and your Hospital cover was eligible for an age-based discount, we automatically applied the discount to premiums you paid from 1 April 2019. The amount of your discount is based on your age as at 1 April 2019.
Thinking of joining CBHS?
For new members, your discount is based on the age you are when you first take out Hospital cover (see below table). If you switched from another fund after 1 April 2019, your aged-based discount is carried over from that fund. If your previous fund didn’t offer age-based discounts, you will be eligible with CBHS as per the below table, which provides details of available discounts.
| Your age when you first purchase a Hospital cover offering discounts * | % discount that CBHS offers |
| 18 - 25 years old | 10% |
| 26 years old | 8% |
| 27 years old | 6% |
| 28 years old | 4% |
| 29 years old | 2% |
| 30 years old | 0% |
*As a transitional arrangement for existing policy holders, we refer to your age when your insurer first introduced age-based discounts to your product. For example, if you were 28 on 1 April 2019, you could receive a 4 per cent discount, even if you first purchased Hospital insurance at 25 years old.