Basic Hospital

A basic level of hospital cover, designed for those who just want the basics. It is designed for those who want the option of choosing their own doctor or specialist when receiving treatment in a public hospital.



Basic hospital will cover you for:

  • Accommodation for overnight, same day and intensive care for a shared room in a public hospital. We will also pay an amount for accommodation in a private hospital or private room of a public hospital - this amount will be the minimum amount specified by applicable legislation 
  • Excess option available for reduced premiums
  • Theatre and labour ward fees are not raised in a public hospital
  • 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 or 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
  • Emergency ambulance transport for an accident or medical emergency by approved ambulance providers
  • Chronic Disease Management 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.

Limited cover for private hospital accommodation: If a member is admitted to a private hospital under Basic Hospital cover members may only receive benefits similar to a public hospital shared room rate which can result in substantial out-of-pocket expenses.

Download Basic Hospital 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.