FlexiSaver (Basic Plus)

You’re young and healthy, but you know that accidents happen.

That’s why you’re looking for more health options for emergencies, like accidents and broken bones. Plus, you’re all about keeping yourself in good shape, and want must-have Extras like preventative and general dental, optical and physio. You need great value in a product – every dollar is precious – and you don’t want to pay more tax than you have to. FlexiSaver is saver by name and saver by nature, as you choose which Extras you want to get benefits for.

These are the Hospital services which are covered under your FlexiSaver (Basic Plus) policy:

Refer to the FlexiSaver (Basic Plus) product sheet to help you understand your cover and benefits.

Legend

Plus Included
Included
Benefits for accommodation at MBS
Excluded
Restricted
Plus Restricted

Emergency ambulance transport means an ambulance service that consists of transporting a seriously ill person to a Hospital by a State Government Ambulance Service or an ambulance service recognised by CBHS in order to receive urgently needed treatment. This includes transportation from the scene of an Accident or the scene of a medical event such as a heart attack or stroke but does not include transportation to Hospital for the routine management of an ongoing medical condition or transportation between hospitals.
Emergency ambulance transport
Accident related treatment means treatment provided in relation to an Accident that occurs after a Member joins the Fund and the Member provides documented evidence of seeking treatment from a Health Care Provider within 7 days of the Accident occurring. If Hospital Treatment is required, the Member must be admitted to a Hospital within 180 days of the Accident occurring. Any additional Hospital Treatment (after the initial 180 days) will be paid as per the level of Benefits payable on the Member’s chosen level of cover (if applicable).
Accident related treatment after joining
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
Tonsils, adenoids and grommets
Hospital treatment for surgery for joint reconstructions. For example: torn tendons, rotator cuff tears and damaged ligaments. Joint replacements are listed separately under Joint replacements. Bone fractures are listed separately under Bone, joint and muscle. Procedures to the spinal column are listed separately under Back, neck and spine. Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
Joint reconstructions
Hospital treatment for the investigation and treatment of a hernia or appendicitis. Digestive conditions are listed separately under Digestive system.
Hernia and appendix
Hospital treatment for surgery to the teeth and gums. For example: surgery to remove wisdom teeth, and dental implant surgery.
Dental surgery
Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system. For example: carpal tunnel, fractures, hand surgery, joint fusion, bone spurs, osteomyelitis and bone cancer. Chest surgery is listed separately under Lung and chest. Spinal cord conditions are listed separately under Brain and nervous system. Spinal column conditions are listed separately under Back, neck and spine. Joint reconstructions are listed separately under Joint reconstructions. Joint replacements are listed separately under Joint replacements. Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon). Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Bone, joint and muscle
Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system. For example: stroke, brain or spinal cord tumours, head injuries, epilepsy and Parkinson’s disease. Treatment of spinal column (back bone) conditions is listed separately under Back, neck and spine. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Brain and nervous system
Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck. For example: damaged ear drum, sinus surgery, removal of foreign bodies, stapedectomy and throat cancer. Tonsils, adenoids and grommets are listed separately under Tonsils, adenoids and grommets. The implantation of a hearing device is listed separately under Implantation of hearing devices. Orthopaedic neck conditions are listed separately under Back, neck and spine. Sleep studies are listed separately under Sleep studies. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Ear, nose and throat
Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder. For example: kidney stones, adrenal gland tumour and incontinence. Dialysis is listed separately under Dialysis for chronic kidney failure. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Kidney and bladder
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel. For example: oesophageal cancer, irritable bowel syndrome, gall stones and haemorrhoids. Endoscopy is listed separately under Gastrointestinal endoscopy. Hernia and appendicectomy procedures are listed separately under Hernia and appendix. Bariatric surgery is listed separately under Weight loss surgery. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Digestive system
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope. For example: colonoscopy, gastroscopy, endoscopic retrograde cholangiopancreatography (ERCP). Non-endoscopic procedures for the digestive system are listed separately under Digestive system.
Gastrointestinal endoscopy
Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours. Surgical treatment of cancer is listed separately under each body system.
Chemotherapy, radiotherapy and immunotherapy for cancer
Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails. The removal of foreign bodies is also included. Plastic surgery that is medically necessary and relating to the treatment of a skin-related condition is also included. For example: melanoma, minor wound repair and abscesses. Removal of excess skin due to weight loss is listed separately under Weight loss surgery. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Skin
Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy. For example: breast lesions, breast tumours, asymmetry due to breast cancer surgery, and gynecomastia. This clinical category does not require benefits to be paid for cosmetic breast surgery that is not medically necessary. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Breast surgery (medically necessary)
Hospital treatment for the investigation and management of diabetes. For example: stabilisation of hypo- or hyper- glycaemia, contour problems due to insulin injections. Treatment for diabetes-related conditions is listed separately under each body system affected. For example, treatment for diabetes-related eye conditions is listed separately under Eye. Treatment for ulcers is listed separately under Skin. Provision and replacement of insulin pumps is listed separately under Insulin pumps.
Diabetes management (excluding insulin pumps)
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
Miscarriage and termination of pregnancy
Hospital treatment for the investigation and treatment of the female reproductive system. For example: endometriosis, polycystic ovaries, female sterilisation and cervical cancer. Fertility treatments are listed separately under Assisted reproductive services. Pregnancy and birth-related conditions are listed separately under Pregnancy and birth. Miscarriage or termination of pregnancy is listed separately under Miscarriage and termination of pregnancy. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Gynaecology
Hospital treatment for the investigation and treatment of the male reproductive system including the prostate. For example: male sterilisation, circumcision and prostate cancer. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Male reproductive system
Hospital treatment for the investigation and treatment of the eye and the contents of the eye socket. For example: retinal detachment, tear duct conditions, eye infections and medically managed trauma to the eye. Cataract procedures are listed separately under Cataracts. Eyelid procedures are listed separately under Plastic and reconstructive surgery. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Eye (not cataracts)
Hospital treatment for the investigation and treatment of blood and blood-related conditions. For example: blood clotting disorders and bone marrow transplants. Treatment for cancers of the blood is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Blood
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion. For example: sciatica, prolapsed or herniated disc, spinal disc replacement, and spine curvature disorders such as scoliosis, kyphosis and lordosis. Joint replacements are listed separately under Joint replacements. Joint fusions are listed separately under Bone, joint and muscle. Spinal cord conditions are listed separately under Brain and nervous system. Management of back pain is listed separately under Pain management. Pain management that requires a device is listed separately under Pain management with device. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Back, neck and spine
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device. Stapedectomy is listed separately under Ear, nose and throat.
Implantation of hearing devices
Hospital treatment for dialysis treatment for chronic kidney failure. For example: peritoneal dialysis and haemodialysis.
Dialysis for chronic kidney failure
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
Insulin pumps
Hospital treatment for pain management that does not require the insertion or surgical management of a device. For example: treatment of nerve pain and chest pain due to cancer by injection of a nerve block. Pain management using a device (for example an infusion pump or neurostimulator) is listed separately under Pain management with device.
Pain management
Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain. For example: treatment of nerve pain, back pain, and pain caused by coronary heart disease with a device (for example an infusion pump or neurostimulator). Treatment of pain that does not require a device is listed separately under Pain management.
Pain management with device
Hospital treatment for the investigation of sleep patterns and anomalies. For example: sleep apnoea and snoring.
Sleep studies
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
Cataracts
Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system. For example: heart failure and heart attack, monitoring of heart conditions, varicose veins and removal of plaque from arterial walls. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Heart and vascular system
Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest. For example: lung cancer, respiratory disorders such as asthma, pneumonia, and treatment of trauma to the chest. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Lung and chest
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident, or congenital. For example: burns requiring a graft, cleft palate, club foot and angioma. Plastic surgery that is medically necessary relating to the treatment of a skin-related condition is listed separately under Skin. Chemotherapy and radiotherapy for cancer is listed separately under Chemotherapy, radiotherapy and immunotherapy for cancer.
Plastic and reconstructive surgery (medically necessary)
Hospital treatment for physical rehabilitation for a patient related to surgery or illness. For example: inpatient and admitted day patient rehabilitation, stroke recovery, cardiac rehabilitation.
Rehabilitation
Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders. For example: psychoses such as schizophrenia, mood disorders such as depression, eating disorders and addiction therapy.
Hospital psychiatric services
Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.
Palliative care
Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth. Treatment for the baby is covered under the clinical category relevant to their condition. For example, respiratory conditions are covered under Lung and chest. Female reproductive conditions are listed separately under Gynaecology. Fertility treatments are listed separately under Assisted reproductive services. Miscarriage and termination of pregnancy is listed separately under Miscarriage and termination of pregnancy.
Pregnancy and birth
Hospital treatment for fertility treatments or procedures. For example: retrieval of eggs or sperm, In vitro Fertilisation (IVF), and Gamete Intra-fallopian Transfer (GIFT). Treatment of the female reproductive system is listed separately under Gynaecology. Pregnancy and birth-related services are listed separately under Pregnancy and birth.
Assisted reproductive services
Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses. For example: replacement of shoulder, wrist, finger, hip, knee, ankle, or toe joint, spinal disc replacement. Joint fusions are listed separately under Bone, joint and muscle. Spinal fusions are listed separately under Back, neck and spine. Joint reconstructions are listed separately under Joint reconstructions. Podiatric surgery performed by a registered podiatric surgeon is listed separately under Podiatric surgery (provided by a registered podiatric surgeon).
Joint replacements
Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure. For example: gastric banding, gastric bypass, sleeve gastrectomy.
Weight loss surgery
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon, but limited to cover for: - accommodation; and - the cost of a prosthesis as listed in the prostheses list set out in the Private Health Insurance (Prostheses) Rules, as in force from time to time. Note: Insurers are not required to pay for any other benefits for hospital treatment for this clinical category but may choose to do so.
Podiatric surgery (provided by a registered podiatric surgeon)
Cosmetic service means an operation, procedure or treatment undertaken for the dominant purpose of improving appearance or improving psychological wellbeing.
Cosmetic services
These are services that do not attract any benefits from Medicare. Examples of such services include cosmetic services, podiatric surgery and laser eye surgery.
Services for which a Medicare benefit is NOT payable
This program is aimed at reducing the time you spend in hospital, often cutting it out altogether. Care is delivered in the comfort of our own home by health care professionals.
Hospital Substitute Treatment
The Better Living Programs help you take control of your health by providing tailored guidance, advice and practical solutions from health care professionals
Better Living programs
You can choose your doctor and when you’re treated with private Hospital cover.
Choice of doctor
(AGC) is a billing scheme that aims to reduce or eliminate out-of-pocket expenses to members for doctor and specialist services received in hospital.
Access Gap Cover
Best Doctors is available for members on Prestige (Gold) only. Best Doctors offer specialist medical advice that assists members experiencing a medical condition by providing access to a unique global network of 50,000 leading medical specialists.
Access to Best Doctors
A medical gap benefit to assist with any out-of-pocket expenses which may incur as a result of a hospitalisation. CBHS Prestige (Gold) offers a Gap Assist benefit of $200 per person, per calendar year and the StepUp (Bronze Plus) Package Cover offers a Gap Assist benefit of $100 per person, per calendar year.
Gap Assist

FlexiSaver (Basic Plus) cover explained

Understanding Hospital cover

Here’s what you can expect to be covered for under your FlexiSaver (Basic Plus) policy:

Private or public hospital accommodation and services includes overnight, same day, intensive care and theatre fees. You’re covered for a private or shared room in a private or public hospital for the following services:
- Emergency ambulance transport
- Accident related treatment after joining
- Tonsils, adenoids and grommets
- Joint reconstructions
- Hernia and appendix
- Dental surgery
- Bone, joint and muscle.
Medical expenses related to providers for services while you’re a hospital inpatient. You’re covered for all services that Medicare pays benefits for, and CBHS will cover the difference between the Medicare benefit and the Medicare Benefits Schedule (MBS) fee for services provided as an admitted patient to a hospital. Examples include fees from doctors, surgeons, anaesthetists, pathology, imaging etc. You can choose your doctor/surgeon in a public or private hospital.
Access Gap Cover with providers (e.g. doctor or surgeon) who choose to participate in CBHS’ Access Gap Cover scheme. The amount over and above the MBS fee is known as a ‘gap’. 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 which are on the Australian Government’s Prostheses List are covered to at least the specified minimum benefit. Medical prostheses include heart valve stents, joint replacement devices, and pacemakers.
Pharmacy benefit covers most drugs related to the reason for your admission in agreement with private hospitals.
Emergency ambulance transport for an accident or medical emergency by your state’s approved ambulance providers.
Boarder accommodation up to $160 per admission, if not included in the hospital agreement.
Better Living programs to help you manage your health and wellness.
Hospital Substitute Treatment to help get you back into your own bed earlier. There is no extra charge if the services are an appropriate substitute for treatment that would have been fully covered in hospital.

FlexiSaver (Basic Plus) will not cover you for:

Hospital services you receive before you have served waiting periods.
Nursing home type patient contribution, respite care or nursing home fees.
Take home/discharge drugs (for non-PBS drugs, you may be eligible for benefits under your Extras cover).
Healthcare aids e.g. walkers not covered in a hospital agreement (you may be able to claim benefits for these under your Extras cover).
Services you claim for 24 months after the service date.
Services provided in countries outside of Australia.
Prostheses used for excluded services.
Ambulance transfers between hospitals (for residents in VIC, SA and NT)
Fees raised by public hospitals that exceed Minimum Default Benefits set by the Department of Health for shared room accommodation.

Exclusions
For treatment listed as an exclusion we do not pay benefits, and members may or will likely 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.

Some services are not fully covered under FlexiSaver (Basic Plus). These are called restricted services. See more under the ‘What we don’t fully cover’ tab.

Non-agreement private hospital rates

If you’re admitted into a non-agreement private hospital, CBHS will only pay benefits at the minimum rate specified by law. These benefits may be similar to a public hospital shared room rate. This may not be enough to cover your admissions in a non-agreement private hospital, and that means you would be liable for a gap.

Before going to hospital, it’s best to check to see whether CBHS has an agreement with that hospital. We can help you to locate CBHS agreement hospitals in your area.

Some services are not fully covered under FlexiSaver (Basic Plus). These are called restricted services.

The services below, when provided in a private hospital, are only eligible for the minimum benefits set out by law. These benefits relate to hospital bed charges and are unlikely to cover the private hospital admission fees. That means there may be a large out-of-pocket (gap) expense for both the bed charge and any theatre fees.

The services listed below are eligible for hospital benefits in a public hospital at a shared room rate. Public hospitals do not charge for theatre use.

Hospital psychiatric services
Rehabilitation
Palliative care services

Understanding which services are restricted in your cover can help you plan more effectively for a hospital stay or medical treatment.

This section covers initiatives to help you reduce the cost of your premiums.

These include:

Excess
Age-based discounts
Australian Government Rebate

Understanding excess

FlexiSaver (Basic Plus) has a $500 excess, which you pay when you need a hospital admission. This is designed to help reduce the cost of your premiums.

An excess is a nominated amount you agree to pay upfront to the hospital for overnight or same day admission. The $500 excess is payable once per person per calendar year, no matter how many admissions you have.

Age-based discounts

Age-based discounts are an Australian Government initiative designed to help make Hospital cover more affordable for young Australians. If you’re aged between 18 and 29, you are eligible for a discount of up to 10% off your premiums. CBHS is proud to be a fund which supports age-based discounts − it’s not mandatory for funds to make this discount available.

Read more about age-based discounts and see what you’re eligible for.

Australian Government Rebate

The Australian Government Rebate on private health insurance (Rebate) is a means-tested Rebate which you may be eligible for. The percentage of Rebate is determined depending on your age and income. Most people choose to claim this Rebate as a reduction in their premiums. You can also choose to claim it as a tax offset when you lodge your annual tax return.

See if you’re eligible for the Rebate.

We get that one of the most important questions you have about your cover is “When can I start using it?” Waiting periods are designed to make health insurance fair for all.

I’m new to health insurance

Waiting periods apply to all those who are new to private health insurance. These are set out in the table bellow.

Cover for	Waiting period
Pre-existing conditions* (except for hospital psychiatric services, rehabilitation and palliative care)	12 months
Hospital psychiatric services**, rehabilitation and palliative care	2 months
Accidents***, emergency ambulance transport	1 day
All other treatments	2 months

I’m transferring from another fund or upgrading my CBHS cover

If you already have cover with another fund, and choose to switch to CBHS, you won’t need to re-start your waiting periods.

If you served part of your waiting periods within one health fund, you can complete these with CBHS.

If you upgrade your level of cover, waiting periods will apply to benefits not previously included within your original cover.

Learn more about waiting periods.

* 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 help@cbhs.com.au.

**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.

Understanding Extras cover

FlexiSaver (Basic Plus) hospital cover will cover you for:

Emergency ambulance transport
Accident related treatment after joining
Tonsils, adenoids and grommets
Joint reconstructions
Hernia and appendix
Dental surgery
Bone, joint and muscle

For the above included services you will be covered in a private or public hospital for:

Accommodation for overnight, same day and intensive care for private or shared room in agreement private and public hospitals
Medical expenses for services while admitted to hospital e.g. fees from doctors, surgeons, anaesthetists, pathology, imaging etc. Covered for services eligible for benefits from Medicare up to Medicare Benefits Schedule (MBS) fee. You have your choice of doctor/surgeon in a public and private hospital. We will cover the difference between the Medicare benefit and the MBS fee for services provided when you’re admitted to hospital.
Access Gap Cover is when a provider chooses to participate under an arrangement with us. We cover 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 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

^{^} Accident related treatment means treatment provided in relation to an Accident that occurs after a Member joins the Fund and the Member provides documented evidence of seeking treatment from a Health Care Provider within 7 days of the Accident occurring. If Hospital Treatment is required, the Member must be admitted to a Hospital within 180 days of the Accident occurring. Any additional Hospital Treatment (after the initial 180 days) will be paid as per the level of Benefits payable on the Member’s chosen level of cover (if applicable).

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.
The services listed below are also eligible for hospital benefits in a public hospital at a shared room rate. Public hospitals do not raise charges for theatre use.

Hospital psychiatric services
Rehabilitation services
Palliative care services

No benefits are payable for hospital or medical treatments for all other benefits not listed as covered or restricted (see 'Excluded services' in the product sheet for examples of services not covered).

If you are admitted into a private hospital for restricted services, 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 private hospital.

FlexiSaver (Basic Plus) hospital cover 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
Aids not covered in hospital agreement
Services claimed over 24 months after the service date
Services provided in countries outside of Australia
Prostheses used for excluded services
Ambulance transfers between hospitals (for residents in VIC, SA and NT)
Fees raised by public hospitals that exceed Minimum Default Benefits set by the Department of Health for shared room accommodation

$500 excess is payable on FlexiSaver (Basic Plus).

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.

An excess is a nominated amount you agree to pay upfront in respect to charges raised by a hospital for overnight or same day admission. The total excess is payable once per person per calendar year up to a maximum of twice for couples policy.

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.

Hospital waiting period	Calendar month
Pre-existing conditions* (except for hospital psychiatric services, rehabilitation and palliative care)	12 months
Hospital psychiatric services**, rehabilitation and palliative care	2 months
Accidents***, emergency ambulance transport	1 day
All Other Treatments	2 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 help@cbhs.com.au.

*** 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.

Extras waiting period	Calendar months
Preventative & general dental, physiotherapy	2 months
Prescribed optical appliances	6 months

Description	Waiting period	Per service benefit	Overall limit	Benefit period
Preventative dental^{^} (e.g. oral examinations, x-ray, scale and clean, mouthguards)	2 months	55% of the cost of service	$700 (Sublimit of $150 for optical)	Calendar year
General dental^{^} (e.g. fillings, extractions or surgical dental)
Optical (e.g. frames, prescription lens, contact lens)	6 months
Physiotherapy	2 months

Will my doctor participate in the Access Gap Cover scheme?
It is up to your doctor to decide whether they will charge you at the Access Gap Cover rate. Even if the doctor has participated in this scheme before, it does not guarantee that they will participate in Access Gap Cover for your treatment. Doctors are free to choose whether they will participate in Access Gap Cover on a patient-by-patient basis, and this decision remains solely with the doctor.

What kind of things might I have to pay for while in hospital?
Some additional services may not be covered by CBHS. Examples include:

Telephone use
Newspapers
Boarder fees
Meals for partner
Pharmaceuticals
Physiotherapy

If you need any of these services, please contact Member Care on 1300 654 123 to find out if they are covered at your chosen hospital.

Am I classified as an inpatient if I’m having chemotherapy every day?
You will be covered for daily chemotherapy if you have an appropriate level of Hospital cover, and your hospital has an agreement with us and admits you as a day patient.

What am I covered for in the emergency ward of a private hospital?
We only pay benefits towards services you receive as an inpatient. That means you are admitted to hospital. If you attend a private hospital emergency ward as an outpatient (i.e. you are not admitted to hospital), you will not be able to claim any costs through CBHS.

What is a daily co-payment?
A co-payment is a daily amount that you contribute for each night you stay in hospital. This might be capped depending on your product. If you have a daily co-payment on your membership, you will need to pay the relevant daily co-payment each day that you are hospitalised, up to a maximum of six days per person or 12 days per family per calendar year.

Do I have to pay my excess/co-payment for a day procedure?
Yes.

Do I have to pay an excess/co-payment for my dependants?
We waive excess/co-payments for any dependant children on your membership for the following covers:

Comprehensive Hospital 70 (Gold)
Comprehensive Hospital 100 (Gold)
Comprehensive Hospital $750 Excess (Gold)
Active Hospital 100 (Silver Plus)
Limited Hospital 70 (Bronze Plus)
Limited Hospital 100 (Bronze Plus)
LiveLife (Gold)
StepUp (Bronze Plus)

If you hold any other cover, you will have to pay the excess or co-payment for child dependants for hospital admission if applicable.

What is a pre-existing ailment?
A pre-existing ailment is one where signs or symptoms of your ailment, illness or condition, in the opinion of a medical practitioner appointed by the health fund (not your own doctor), existed at any time during the six months preceding the day on which you purchased your Hospital cover or upgraded to a higher level of Hospital cover. The only person authorised to decide that an ailment is pre-existing is the medical practitioner appointed by CBHS. Our medical practitioner must, however, consider any information regarding signs and symptoms provided by your treating medical practitioner(s).

Am I covered for all prostheses?
You are covered to the minimum benefit specified in the prosthesis list issued under Private Health Insurance legislation.

Why do you want me to provide a medical report for my planned hospitalisation?
When you join or upgrade, there’s a 12-month waiting period for pre-existing ailments. We may ask you to provide a medical report so our medical advisor can assess if the condition is pre-existing.

The doctor you first consulted for the condition should complete the report. Download the Certificate for Medical Practitioner.

Am I covered for a minor medical procedure in my doctor's rooms?
An example of a minor medical procedure could be the removal of a small cancerous spot. A GP who performs this procedure at their clinic might charge a specific fee for this.

This type of service is considered a non-admitted theatre fee. Benefits towards this specific fee are available under Top Extras, Prestige (Gold) and LiveLife (Gold) package covers. Benefits are 70% of the cost up to a limit defined for your cover.

Please note that CBHS doesn’t pay for any outpatient doctor services. You can claim these from Medicare only.

Can I receive benefits towards home nursing after a hospital stay?
Sometimes, the hospital will provide home nursing as a hospital substitute treatment program after you have left the hospital. We can pay for this under your Hospital cover as part of your admission costs.

If the above doesn’t apply, and you have Top Extras, LiveLife (Gold) or Prestige (Gold) packaged cover, you may receive benefits towards home nursing by a registered nurse.

Why does CBHS pay ambulance claims differently depending on state?
Each State Government has different arrangements that determine how ambulance claims are paid. That’s why we pay claims based on the relevant state.

NSW & ACT residents receive full ambulance cover with CBHS. If you hold CBHS Ambulance cover only, we will pay towards emergency transport only.
QLD residents pay a subscription through their electricity bill, which covers ambulance services Australia-wide.
NT, SA, VIC & WA residents receive emergency ambulance cover with CBHS if you hold Hospital cover or Ambulance cover.
TAS residents pay a subscription through resident taxes for services which take place in ACT, NT, NSW, TAS, VIC or WA. CBHS will cover emergency ambulance services provided in QLD or SA if you hold CBHS Hospital cover or Ambulance cover.

Download the product sheet

Refer to the FlexiSaver (Basic Plus) product sheet to help you understand your cover and benefits

From

product pricing

Protect the health of you and your family

Price is for single in , aged 30, with income $90,000.00 per year. Includes Australian Government Rebate on Private Health Insurance of 24.608%. Price does not include Age-based Discount and assumes no Lifetime Health Cover loading. An excess of $500.00 applies.

Latest articles

Dental became much more affordable for us. We switched to your preferred providers and we had no out of pocket expense for the children's mouth guards, along with several other dental services 👌. Safe sports, cool-coloured mouths and sustainability - and my daughter chose a biodegradable tree green mouth guard! Thanks CBHS.

Manda B

They (Best Doctors) always called when they said they would, they made sure (my son) Jake’s complete file was returned safely to us and their communication was always clear, polite and caring. Someone from CBHS rang one day, just to see how Jake was doing, and I so appreciated that call. When people sound like they genuinely care it makes such a difference.

Jake & Carol B

Our family has full private health with CBHS − always have and definitely always will now. CBHS helped my family immensely, mainly my mother who died of brain cancer a few years ago. Without the help of CBHS we would have lost our family home to pay for all the hospital and medical bills and my dad would have been forced to work rather than care for my mother in her final days. CBHS not only gave us peace of mind with finances but peace of mind with life, freeing us up to be with Mum.

Nicole M

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