Comprehensive Hospital (Gold)

You want the highest level of hospital cover for complete peace of mind in case the unexpected happens.

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    Comprehensive Hospital (Gold) will cover you for:

    • Accommodation for overnight, same day and intensive care for a private or shared room in agreement private and public hospitals.
    • Theatre and labour ward fees covered in agreement private hospitals (excluding restricted services*).
    • Medical expenses related to providers for services while admitted in hospital e.g. fees from doctors, surgeons, anaesthetists, pathology, imaging etc. Covered for all services eligible for benefits from Medicare up to Medicare Benefits Schedule (MBS) Fee. Members have their choice of doctor/surgeon in a public and private hospital. CBHS will cover the difference between the Medicare benefit and the MBS fee for services provided as an admitted patient to a hospital.
    • Access Gap Cover is where a provider chooses to participate under an arrangement with the fund. CBHS covers up to 100% of an agreed amount in excess of the MBS fee which reduces or eliminates your out-of-pocket medical expenses (i.e. surgeons, anaesthetists, pathology, imaging fees etc).
    • Surgically implanted prostheses to at least the minimum benefit specified in the prosthesis list issued under Private Health Insurance legislation.
    • Pharmacy covers most drugs related to the reason for your admission in agreement with private hospitals.
    • Boarder accommodation covers 100%, up to $160 per admission, if not included in hospital agreement.
    • Emergency ambulance transport for an accident or medical emergency by approved ambulance providers.
    • Hospital Services where a Medicare benefit is payable (excluding restricted services*).
    • Better Living programs to help you manage your health and wellness.
    • Hospital Substitute Treatment means the possibility of receiving rehabilitation treatment or the care of a registered nurse at home.

    * Restricted Benefits (Services) not fully covered

    The services listed below, when provided in a private hospital, are eligible for Minimum Default Benefits prescribed by private health insurance legislation. These benefits relate to hospital bed charges and are unlikely to cover the fees charged for a private hospital admission. Members may incur large out-of-pocket expenses for theatre fees together with the difference between the Minimum Default Benefit and the bed charge raised by the hospital.

    • Podiatric surgery (provided by a registered podiatric surgeon)1
    • Services for which a Medicare benefit is NOT payable

    1 Indicates benefits for accommodation at Minimum Benefits in relevant PHI (Benefit Requirements) Rules and prostheses benefits based on items listed by the Minister of Health. No benefit for medical or theatre costs.

    If you are admitted into a non-agreement private hospital, benefits are payable only at the minimum rate specified by law. These benefits may only provide a benefit similar to a public hospital shared room rate. These benefits may not be sufficient to cover admissions in a non-agreement private hospital.

    Comprehensive Hospital (Gold) will not cover you for:

    • Hospital services received within policy waiting periods.
    • Nursing home type patient contribution, respite care or nursing home fees.
    • Take home/discharge drugs (non-PBS may be eligible for benefits from Extras cover).
    • Aids not covered in a hospital agreement (may be eligible for benefits from Extras cover).
    • Services claimed over 24 months after the service date.
    • Services provided in countries outside of Australia.
    • Prostheses used for cosmetic procedures, where no Medicare benefit is payable.
    • Ambulance transfers between hospitals (for residents in VIC, SA and NT).


    For treatment listed as an exclusion there is no benefit payable and members will incur significant out-of-pocket expense for these services. Please review the exclusions on this cover and always check with CBHS to see if you are covered before receiving treatment. The following services are excluded from this cover:

    • Cosmetic services

    You can reduce the cost of your Comprehensive Hospital (Gold) cover by agreeing to a daily co-payment or an excess.

    Co-payment options available: $0$70 or $100 or Excess options available: $750


    You can reduce the cost of your cover by agreeing to a daily co-payment of $70 or $100. This means that when you go into hospital you pay the relevant daily co-payment each day that you are in hospital up to a maximum of six (6) days per person or 12 days per family per calendar year. Co-payment does not apply for any dependent children on the policy.



    You can reduce the cost of your cover by agreeing to pay an excess of $750. This means that when you go into hospital you will pay the first $750 in respect to charges raised by the hospital. This excess is per person up to a maximum of $1,500 per family membership per calendar year.

    Waiting periods apply to those who are new to private health insurance or those who already have cover with CBHS or another fund, and choose to upgrade to a higher level of cover.

    Parts of waiting periods served within one health fund can be completed in another when a person transfers funds. If you upgrade your level of cover, waiting periods may apply to benefits not previously included within your original cover.

    Hospital waiting periodCalendar month
    Pre-existing conditions* (except for hospital psychiatric services, rehabilitation and palliative care)12 months
    Pregnancy and birth12 months
    Hospital psychiatric services**, rehabilitation and palliative care2 months
    Accidents***, emergency ambulance transport1 day
    All Other Treatments2 months

    * If you have a pre-existing condition, a waiting period of 12 months will apply before we will pay hospital or medical benefits towards any treatment for that condition.

    ** Once you have served the two-month waiting period, you can choose to upgrade your cover (once in a lifetime) and access the higher benefits for hospital psychiatric treatment associated with that cover, without serving an additional waiting period. For more details contact us on 1300 654 123 or email

    *** Accident means an unexpected or unforeseen event caused by an external force or object resulting in an injury to the body which requires treatment by a medical practitioner, Hospital or dentist (as the context requires) but excludes pregnancy.

    Supporting Information

    Refer to the Comprehensive Hospital (Gold) product sheet to help you understand your cover and benefits.

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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%. Price does not include Age-based Discount and assumes no Lifetime Health Cover loading. An excess of $750.00 applies.