Intermediate Extras

A mid-level of extras cover providing benefits for popular general services and treatments required for day-to-day health management.

  • Generous per service limits on services and treatments
  • Benefits for preventative dental
  • Generous benefits for dental, optical, physio, chiro and some therapies
  • Wellness benefits for health management



Benefits

Dental

  • Preventative dental (2 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Oral examinations (011, 012, 013) $35 - $45 $230 Calendar Year
    X-ray (022) $28
    Removal of plaque (111) $41
    Removal of calculus (114,115) $65 - $70
    Fluoride application (121) $25
    Mouthguard (151,153) $130 - $150
    Fissure sealing (161) $34

    General dental (2 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Fillings $81 - $150 $500 Calendar year
    Consultations and examination $28 - $40
    X-rays $21 - $60
    Extractions or surgical dental $50 - $255

    Major dental (6 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Periodontic (gum treatment) $24-$260
    $400 Calendar Year
    Endodontic (root canal treatment) $7.50-$180
     Inlays / Onlays / Facing     Not covered
     Dentures & implants
     Occlusal therapy

    Major dental (12 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Orthodontia Not covered
    Crowns and bridges $10 - $700 $700 Any 5 years

Prescribed optical

  • 6 month waiting period

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Frames $90 $250 Calendar year
    Single vision (pair) (212) $70
    Bifocal (pair) (312) $60
    Trifocal (pair) (412) $90
    Multifocal (pair) (512) $100
    Contact lenses (852) $160

Therapies

  • Therapies (2 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Physiotherapy (initial/subsequent)
    $61/$43 $300
    Calendar year
    Chiropractic (initial/subsequent) $61/$40 $250
    Osteopathy (initial/subsequent) $61/$35
    Occupational therapy (initial/subsequent) Not covered
    Speech therapy (initial/subsequent)
    Clinical psychology
    Ante natal/ post natal physiotherapy
    Podiatry (excludes artificial aids e.g. orthotics) $30 - $50 $250 Calendar year
    Audiology Not covered
    Eye therapy
    Dietician $15 - $75 $100 Calendar year

    Alternative therapies (2 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Natural therapies
    Buteyko, Herbal medicine consultations, Homeopathy, Naturopathy, Nutrition
    $33 $300 Calendar year
    Oriental therapies
    Acupressure, Acupuncture, Chinese herbal medicine consultation, Chinese massage, Kinesiology, Reflexology, Shiatsu, Traditional Chinese medicine consultation
    Massage therapies
    Alexander technique, Aromatherapy, Bowen therapy, Deep tissue massage, Feldenkrais, Lymphatic drainage, Myotherapy, Remedial massage, Rolfing, Sports massage, Swedish massage, Therapeutic massage

General health

  • (2 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Blood glucose accessories 70% $100 Calendar year
    Home visits by registered nurse Not covered
    Non-Pharmaceutical Benefits Scheme drugs requiring a prescription by law 100% less the current government prescribed co-payment up to $75 per prescription $300 Calendar year
    Travel and accommodation+ Not covered

    + Travel is only payable for a patient who requires essential medical and dental treatment, where it is not available at a facility within a 160 km round trip of the member's home. In order to claim travel a patient must be visiting a specialist and will require a referral letter. Excludes Ronald McDonald house.

Health care aids

  • (12 month waiting period) - referred by a doctor and recognised by CBHS

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Artificial aids $10 - $350 $350 Any 3 years
    Hearing aids Not covered
    Blood pressure monitor, nebuliser, glucometer 70% $300 Any 3 years

Wellness benefits

  • 2 month waiting period

    Description 90% of the cost up to the overall limit below
    Health checks Overall limit Benefit Period
    Breast examinations (i.e. mammograms/x-rays)
    Bone density tests
    Skin cancer screening
    Bowel/prostate cancer screening
    Eye screenings
    $200 Calendar Year
    Health Management*
    Quit smoking programs 2
    Weight management programs 2
    Stress management courses 2
    $100 Calendar Year
    Yoga 1
    Pilates 1
    Gym membership/Personal training 1 $115/$100

    1 CBHS can only pay a benefit for gym membership/personal trainer/pilates /yoga where the gym/personal trainer/yoga/pilates service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer/yoga/pilates program is a health management program. Approval form is available from CBHS. Please note that GP consultations are not covered by CBHS. Must be approved by CBHS

A benefit is not payable in respect of a service that was rendered to a Member if the services can be claimable from any other source.


Benefit period

Each group of services within Extras and Package covers have an overall limit on the amount you can claim. Most limits are based on per person per calendar year, unless otherwise stated in our Extras table.

Benefits which attract a 3 and 5 year period are entitled to have the benefit renewed on the same date which the service was performed respectively.

Benefits which attract a 'lifetime' period; lifetime means the period commencing on the date the member was first insured and ceases to be insured by CBHS (irrespective of any suspension of membership or other period without cover).


Download Intermediate Extras Product Sheet

When deciding if this product is right for you, please refer to the CBHS Health Benefit Fund Rules. This information should be read carefully and retained.