Limited Hospital

A hospital cover designed for those seeking a sense of security, with some restricted benefits on services and treatments on things you are less likely to need, e.g. pregnancy.

  • Daily co-payment option for reduced premiums
  • Access Gap Cover
  • Emergency ambulance transport
  • Access to private hospitals


Limited hospital will cover you for:

  • Accommodation for overnight, same day and intensive care for private or shared room in agreement private and public hospitals (excluding restricted services*)
  • Theatre fees covered in agreement private hospitals (excluding restricted services*)
  • 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
  • Pharmacy covers most drugs related to the reason for your admission in agreement private hospitals
  • Emergency ambulance transport for an accident or medical emergency by approved ambulance providers
  • Boarder accommodation covers 100%, up to $160 per admission, if not included in hospital agreement
  • Hospital Services where a Medicare benefit is payable (excluding restricted services*)
  • 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.
* Check the 'What's partially covered' for a list of the restricted services.

Download Limited 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.