KickStart

An affordable package cover for the fit and healthy, because accidents do happen! Get covered for the things you may need like dental and optical, without the things you don’t, like pregnancy.

The KickStart package is made up of:

Hospital cover highlights

  • $70 daily co-payment
  • A great range of extras benefits
  • Wellness benefits for health management
  • Emergency ambulance transport

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Extra cover

  • KickStart extra cover gives you a broad selection of extras

See below for detail


Hospital component

KickStart hospital cover will cover you for:

  • Private or Public Hospital accommodation & services includes overnight, same day, intensive care* and theatre fees. Cover is provided for a private or shared room in a private or public hospital for the following services:
  1. > accidents and medical emergencies;
  2. > the investigation, repair or reconstruction of bones and tissues of a knee, hip or shoulder; and
  3. > the removal of wisdom teeth, tonsils, adenoids or the appendix.

RESTRICTED-R All other services in any hospital are eligible for restricted benefits. Restricted benefits are payable only at the minimum rate specified by law and may only provide a benefit similar to a public hospital shared room rate. Restricted benefits may not be sufficient to cover admissions in a private hospital. Restricted services are covered for a shared room in a public hospital.

*Theatre and Labour ward fees are not charged 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, pathologists, 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 an agreement private hospital
  • 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.

# All hospital services provided in a public hospital are eligible for Minimum Default Benefits. These benefits are stipulated by the department of Health and listed in the relevant Private Health Insurance (Benefit Requirement) Rules. Some hospitals may charge above the Minimum Default Benefit for shared room accommodation. Please note that fees charged in excess of Minimum Default Benefits are an out-of-pocket expense and are not eligible for reimbursement under CBHS policies.

*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.


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Extras component

Dental

  • Preventative dental (2 month waiting period)

    Description 100% of the cost up to the per service benefit below Overall limit Benefit period
    Oral Examinations (011, 012, 013) $27.50 - $40 Unlimited Calendar Year
    X-Ray (022) $23
    Removal of plaque (111) $30
    Removal of calculus (114,115) $42 - $55
    Fluoride application (121) $20
    Mouthguard (151,153) $62 - $65
    Fissure sealing (161) $30

    General & Major dental

    Description 100% of the cost up to the per service benefit below Overall limit Benefit period
    General dental (2 month waiting period) $675   Calendar Year  
    Fillings $49 - $115
    Consultations & examinations $28.50 - $35.50
    X-rays $20 - $45
    Extractions or surgical dental $50 - $200
    Major dental (6 month waiting period)
    Periodontic (gum treatment) $24 - $190
    Endodontic (root canal treatment) $35 - $180

Prescribed optical

  • (6 month waiting period)

    Description 100% of the cost up to the per service benefit below Overall limit Benefit period
    Frames 
    100%

    $230

    Calendar Year
    Frames
    Lenses
    Lenses
    Contact Lenses

Therapies

  • Therapies (2 month waiting period)

    Description 100% of the cost up to the per service benefit below Overall limit Benefit period
    Therapies
    Physiotherapy (Initial/Subsequent) $40/$30 $250 Calendar Year
    Chiropractic (Initial/Subsequent) $40/$30
    Osteopathy (Initial/Subsequent) $40/$30
    Clinical Psychology  $50 $250
    Dietician $15-$75 $100

    Alternative Therapies (2 month waiting period)

    Description 100% 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
    $26 $200 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) - where referred by a doctor and recognised by CBHS

    Description 100% of the cost up to the per service benefit below Overall limit Benefit period
    Blood Glucose Accessories 100% $100 Calendar Year
    Non-pharmaceutical benefits scheme drugs requiring a perscription by law 100% less the current government prescribed co-payment up to $75 per perscription $200 Calendar Year

Wellness benefit

  • (2 month waiting period)

    Description 90% of the cost up to the overall limit below

    Overall limit Benefit Period
    Health checks
    Breast examinations (i.e. mammograms/x-rays)
    Bone density tests
    Skin cancer screening
    Bowel/prostate cancer screening
    Eye screenings
    $100 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.

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.

Download KickStart 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.