Prestige

Prestige is a premium level of cover with the same benefits as Comprehensive Hospital and Top Extras plus more...

The Prestige package is made up of:

Hospital cover 

  • no co-payment or excess
  • the option to keep a non-student dependant up to the age of 25
  • access to Best Doctors 
  • highest benefits in the CBHS product suite
  • Access Gap Cover plus $200 Gap Assist which will help you with additional out-of-pocket medical expenses
  • access to chronic disease management programs and hospital substitute treatment
  • waiting periods and restrictions may apply

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Extra cover 

  • Prestige has the highest level of Extras benefits

See below for details


Hospital cover

Prestige 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*)
  • 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.
Gap Assist#
To further help you reduce your out-of-pocket expenses as a result of hospitalisation, Prestige also includes a medical gap benefit called Gap Assist, $200 per person per calendar year towards out-of-pocket expenses.

# 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 cover


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 Prestige 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.