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LiveLife

A premium level package cover with the same benefits as Comprehensive Hospital and Top Extras plus more…

The LiveLife package is made up of:

Hospital cover highlights

  • No restrictions on treatments received as an admitted patient for which a Medicare Benefit Schedule Fee is applicable
  • $70 daily co-payment excluding children under 13 years of age
  • Access Gap Cover plus $200 Gap assist which will help you with additional out-of-pocket expenses
  • Generous overall benefits compared to Top Extras
  • Emergency Ambulance transport

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Extra cover

  • LiveLife extra cover gives you a broad selection of extras

Hospital component

LiveLife hospital cover will cover you for:

  • Accommodation for overnight, same day and intensive care covered for private or shared room in agreement private and public hospitals
  • Theatre and labour ward 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, radiologists, 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
  • Boarder accommodation covers 100%, up to $160 per admission, if not included in hospital agreement
  • Emergency ambulance transport for an accident or medical emergency by approved ambulance providers
  • Hospital Services where a Medicare benefit is payable (excluding restricted services*)

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Extras component

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 Unlimited

    Calendar Year
    X-Ray (022) $28
    Removal of plaque (111) $41
    Removal of calculus (114,115) $65-$70
    Fluoride application (121) $30
    Mouthguard (151,153) $130-$150
    Fissure sealing (161) $27

    General dental (2 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Fillings $61-$112 Unlimited
    Calendar Year
    Consultations & examinations $28-$40
    X-rays $21-$42.80
    Extractions or surgical dental $50-$255

    General dental (6 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Periodontic (gum treatment) $57-$250 $700 Calendar Year

    Endodontic (root canal treatment) $7.50-$180 $700
    Inlays / Onlays / Facing $360 $1,440 any 5 years

    Dentures & Implants $20-$810 $1,500
    Occlusal Therapy $17-$260 $920 Lifetime

    Major dental (12 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Orthodontia 70% $3,200 Lifetime
    Crowns & Bridges $10-$690 $3,500 any 5 years

Prescribed Optical Appliances

  • (6 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Frames 
    $450
    Calendar Year
    Frames $140
    Lenses
    Single Vision (pair) $120
    Bifocal (pair) $140
    Trifocal Vision (pair) $150
    Multifocal (pair) $200
    Contact Lenses
    Contact Lenses $210

Therapies

  • (2 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Therapies*
    Physiotherapy (Initial/Subsequent) $61/$43      $900 Calendar Year
    Chiropractic (Initial/Subsequent) $61/$40 $1000

    Osteopathy
    (Initial/Subsequent)

    $61/$35
    Hypnotherapy $80 $360
    Occupational therapy (Initial/Subsequent) $61/$35 $800
    Speech therapy (Initial/Subsequent) $80/$40 $1850
    Clinical Psychology $30-$140 $500
    Ante natal/Post natal physiotherapy 70% $105
    Podiatry (excl. artificial aids: e.g. orthotics) $30-$50 $400
    Audiology $60 $360
    Eye Therapy $60 $455
    Dietician $15-$65 $360

Alternative Therapies

  • (2 month waiting period)

    Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Alternative therapies
    Natural therapies
    Buteyko, Herbal Medicine Consultations, Homeopathy, Naturopathy, Nutrition
    $33 $1000 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
    General Health
    Blood Glucose Accessories 70% $320 Calendar Year
    Home visits by Registered Nurse $120 (>4 hrs) $80 (<4 hrs) $2,800
    Non-Pharmaceutical Benefits Scheme drugs requiring a prescription by law 100% less the current government prescribed co-payment up to $150 per prescription $1,000 Calendar Year
    Travel & accommodation+ 50% of the cost for accommodation (on single room rate) airfare, train, bus or 15c per kilometre car  $500 Per Membership Per Calendar Year

    + 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.

Health Care Aids

  • Description 70% of the cost up to the per service benefit below Overall limit Benefit period
    Health care aids
    Artificial aids $10-$1500 $,1500 Any 3 years
    Hearing aids 70% $2,200
    Blood pressure monitor, Nebuliser, Glucometer 70% $500

Wellness Benefit

  • 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
    $300 Calendar Year
    Health management
    Quit smoking programs2
    Weight management programs2
    Stress management courses2
    $200 Calendar Year
    First aid course/first aid kits^
    Yoga1
    Pilates1
    Gym membership/Personal training1 $200 Calendar Year

    ^ Benefi ts on fi rst aid courses and kits are only payable when provided by recognised CBHS providers. First aid course must be completed for benefi ts to be applicable to the fi rst aid kit. Excludes replacement fi rst aid items.
    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.

Each group of services within Extras and Packages cover has 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.

CBHS LiveLife 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.