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Get a quote
CBHS Health logo
  • Health insurance
    • Types of cover
      • Hospital & Extras
      • Hospital cover
      • Extras cover
      • Packaged cover 
      • Ambulance cover
      • Dependant cover
    • Lifestage cover
      • Singles & couples
      • Families & sole parents
      • Mature families
      • Retirees
    • Why CBHS
      • Why join CBHS
      • Testimonials & stories
      • Member-owned fund
      • Why do I need private health insurance?
    • Health insurance explained
      • Check your eligibility
      • Switching health insurance providers
      • Waiting periods
      • Restricted services
      • Government initiatives
  • Member health
    • Health & wellbeing
      • About health & wellbeing
      • Healthy living
      • Events & resources
      • CommBank Health Hubs
    • Get care
      • About getting care
      • Before your hospital stay
      • Hospital in the home
      • Rehabilitate & recover
    • Managing your health
      • About managing your health
      • Services at home
      • Artificial aids & healthcare aids 
    • Health services
      • Health services A-Z
      • Common procedures
      • Find a service or hospital
  • Tools & support
    • Handy tools
      • Tax statement
      • Member discounts
      • Forms & downloads
      • CBHS mobile app
      • Going to hospital
    • How to
      • Pay my bill 
      • Refer a friend or family
      • How to claim
    • Updates
      • CBHS news
      • Service updates
    • Find a provider
      • Hospital search
      • Access Gap Cover
      • HICAPS provider search
      • Choice Network provider
  • Mind & body
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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.
Health and Wellness Programs are available to support eligible members towards a healthier lifestyle. Each Health and Wellness Program is subject to its own eligibility criteria.
Contact us for more information and to confirm your eligibility for a program.

Restricted services

There are three major categories of services in private health insurance: included, excluded or restricted.

Proudly not-for-profit since 1951.

Over 70 years of providing great 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.

Restricted services

Understanding which services are restricted in your cover can help you plan more effectively for a hospital stay or medical treatment. Choosing the right hospital can minimise your out-of-pocket expenses.

Restricted services only attract partial benefits, which means you are only partially covered for those treatments or services.

These services or treatments might only attract the public hospital rate or something less than full benefits. They might only be covered if you stay in a public hospital (not a private hospital) as a private patient for the treatment. With restricted services, you may have to pay significant out-of-pocket expenses.

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The CBHS Group acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we gather, live and work. We pay our respect to First Nations peoples and their Elders, past and present.

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