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Re-serving wait periods when switching

05 October, 2014

Switch to CBHS and we will honour all waiting periods you have already served with your current fund, so why not join the health fund that puts you first – and pay less for your health cover!

CBHS Health Fund is run exclusively for you, because we cover only CBA Group current and former employees, and their eligible family.

Our not-for-profit status combined with our focus on keeping admin costs as low as possible, helps us to give you the best benefits for the lowest cost.

Don’t you deserve that?

Many people ask us – but won’t I have to re-serve waiting periods?

The most common answer to this question is no.

When do I need to re-serve waiting periods?

Waiting periods apply to those who are new to private health insurance or those who are already members of the CBHS family - 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.

Switching between funds

Clearance Certificates (CC) are used when consumers move to a new health insurance provider. The CC allows the insurer to find out the previous level of cover held and whether or not the Lifetime Health Cover loading applies. This means the consumer can avoid having to re-serve waiting periods, which is a legal right.

The CC will include information on type of cover, level of cover, join dates, cancellation dates, Your Lifetime Health Cover (LHC) Certified Age of Entry, recent claims, days without cover and persons covered.

Hospital waiting periods

Waiting periods apply to all levels of Hospital Cover and Package Cover and are listed in the table below.

All waiting periods displayed are in calendar months.



Extras waiting periods

Waiting periods apply to all levels of Extras Cover and Package Cover and are listed in the table below.


For more information on waiting periods, please refer to the Health Benefit Fund Rules.

* Accidents mean injuries inflicted as a result of unintentional, unexpected actions or events that require treatment by a registered practitioner, but excludes pregnancy.

** Pre-existing conditions includes wisdom teeth extractions as an admitted patient in hospital

^ Other treatments include psychiatric, rehabilitation and palliative care as an admitted patient in hospital

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What Our Members Think

I joined as a CBHS member in 1978. Through many health events and challenges CBHS has always been there for me and my family. Their exceptional service over this time has always been appreciated.

- Jenny J

What Our Members Think

I've not long joined CBHS from another fund, but so far I've been impressed by the super helpful and friendly staff, the higher claim limits and rebates at a very competitive premium, and how easy it is to lodge manual claims through the app. Thanks CBHS - you've won me over! 😃

- Jessica B

What Our Members Think

What I love about CBHS is their customer service - friendly staff and always ready to help and email you the information you ask about. Keep up the great work!!!

- Linda S

What Our Members Think

I love CBHS as its so so easy to lodge a claim and whenever i need a question answered friendly consultant is one phone call away. The phone back option instead of waiting is brilliant!

- Rachel N

What Our Members Think

I have been with CBHS since I began at CBA 15 years ago...Now I have three beautiful children, one who has a disability. Our top extras cover has been really essential for his early intervention. I do love the ease of claiming online.

- Annette E

What Our Members Think

I am relatively new to CBHS and am loving it already. I worked for a CBA subsidiary a long time ago but was still eligible to join. So much better that the for-profit funds - our premium is only a little more and we pay a lower co-contribution and get great benefits. I am loving the massage rebate for my partner and gym rebate for me!

- David G

What Our Members Think

I'm extremely happy with CBHS! I have been a customer for about six years. I think the price is reasonable. And i would refer you to my family and friends any day. Thank you CBHS!!!

- Karen W

What Our Members Think

Love CBHS as I never have to doubt that they've got my back when I need it. Been through other insurers who have limited options or limits, yet cost the same or more.

- Mark F

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