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You are eligible if you/and one of your parents, partner, siblings, dependants or grandparents are a current or former employee of the Commonwealth Bank Group (CBA Group).
If you are no longer employed by the CBA Group, you and your immediate family are still eligible to join or stay with CBHS.
If you previously worked for the Commonwealth Bank Group but did not join CBHS at the time, you and your immediate family will always remain eligible to join CBHS.
When you leave the CBA Group, you are still eligible to remain or re-join as a member of CBHS. Please contact us when you know your last day at CBA so that we can update your billing details.
No, as long as you transfer from equivalent cover from another Australian health fund (as confirmed by your clearance certificate), you will not be required to re-serve waiting periods with CBHS.
Please note that if you leave or terminate your membership with CBHS within 6 months, you may be asked to re-pay benefits that would have been subject to waiting periods.
We provide a wide range of payment types (direct debit, CBA and Bankwest salary deductions, invoice) for a variety of billing periods (fortnightly, monthly, quarterly, annual). We no longer accept billing in arrears.
Credit cards can be used via BPoint and BPAY for memberships paid 3, 6 or 12 months in advance. Please note we do not accept regular payments via credit cards.
We all know that couples and families come in lots of diverse sizes and shapes.
We love diversity and encourage it in our family!
In everything we do, CBHS works to ensure that there is no discrimination regardless of gender, cultural background, ethnicity or sexual orientation.
Up to two parents and their children can be covered by a family policy regardless of whether your family has one dad and one mum, one dad, one mum, two dads or two mums – our family policies can cover parents and their adopted children; and foster parents (including grandparents, aunts and uncles etc.) who have children in their legal care. For children to be included on a family policy, it’s important that guardianship be recognised by a Federal or State government agency such as Medicare or one of the state-based family/community services agencies and we may ask for evidence of this guardianship.
Children are covered by your family policy until they turn 18 (or 25 if they are still studying). If you have children aged 18 or over who aren’t studying, we encourage you to upgrade to our Prestige package cover which covers them until they turn 25 regardless of their studying status.
For cover for other extended family members check out our eligibility rules.
If you have any questions about cover for your partner and/or family, please contact our Member Care team on 1300 654 123 or email email@example.com.
A student dependant is someone who is unmarried, 18-24 years of age, and attending full time study at a recognised school, college or university.
All dependents will be required to pay the excess or co-payment applicable to their hospital cover. If you have LiveLife and StepUp package cover, the daily Co-payment is waived for dependent children on your membership up to 12 years of age.
If you have Hospital A Excess or Hospital B Excess, you can log in to the Member Centre or contact CBHS to determine the excess that is payable.
Effective from 1/1/2015, CBHS will waive the for any dependant under the age of 24 on the following covers only:
You can request a new membership card online via the CBHS Member Centre.
Tax Statements are available for download from the Member Service Centre by following the steps below:
CBHS recommends that its members consult their accountant or the Australia Tax Office to determine their obligations and impacts from taxes, rebates and levies. CBHS can provide general information on the Australian Government Rebate for private health insurance, and period of coverage, but cannot provide advice or recommendations for personal tax impacts.
You can update your contact and address details online via the CBHS Member Centre.
CBHS continuously improves its products on an annual basis. If a product becomes “closed”, no new members can purchase this policy but existing members that currently have this policy may remain on this cover. Please contact CBHS on 1300 654 123 for details of your product and to check if it still meets your needs.
CBHS provides a comprehensive range of products and services for members. What you’re eligible to claim for depends on your level of cover. Briefly, these are some of the categories of products that our packages may cover:
Find out more information here.
Under the CBHS Health Benefit Fund Rules and the Private Health Insurance (Accreditation) Rules 2008, benefits for treatments, goods and services listed under Extras covers are payable only if the provider is a CBHS Recognised Provider and meets the Private Health Insurance (Accreditation) Rules 2008.
Overseas providers do not meet this criteria therefore these claims are not eligible for CBHS Benefits.
If you’re claiming for health management services such as gym memberships, personal training, yoga, or Pilates, you should have a Health Management Program (HMP) Authorisation Form completed by your GP, specialist, or allied health service provider. This should be presented when you’re submitting your claim. Download the HMP form here.
We automatically calculate your claims benefit for you when you lodge a claim at your provider’s practice or when you lodge a claim online. If you claim through your provider, you’ll receive the benefit as a deduction in your out-of-pocket expenses. Your claims benefit will be based on the allowable claims percentage or per service limit and overall limit for the category and applicable benefit period.
You can also use the Online Benefit Quote tool that is available after logging in the Member Centre.
The CBHS Choice Network is a group of providers who are committed to reducing or removing the gap for Extras services on selected preventative dental and optical frames, lenses and contact lenses.
Find out more information here.
98% of claims are made on the spot in real-time. Within the other 2% of claims, we have found elements of inappropriate claims in backdated claims. Therefore we only allow same day claiming for electronic claims to protect our members.
CBHS member will have to pay for the treatment and then lodge a claim with CBHS in other ways available to our members, i.e. online, email, via fax or via post.
CBHS requires a referral to be received from your medical practitioner as evidence that the particular product being claimed is required.
CBHS requires a referral from your medical practitioner for Artificial Aids, Health Care Appliances and contraceptives.
A referral received from a medical practitioner will last for the following time periods:
CBHS pays benefits towards travel and accommodation to members who require essential medical or dental treatment where it is not available within a 160km round trip of the members' home. Benefits are paid for the member receiving treatment only.
Essential medical treatment means:
CBHS requires the following in order to pay towards travel or accommodation:
No. CBHS will accept scanned, faxed or duplicate receipts. CBHS does not require the original receipts to be submitted in order to process claims.
It is up to your doctor to decide whether they will charge you at the Access Gap Cover rate. Even if the doctor has participated in this scheme before, it does not guarantee that the doctor will participate in Access Gap Cover for your treatment. Doctors are free to choose whether they will participate in Access Gap Cover on a patient by patient basis, and this decision remains solely with the doctor.
There are some additional services offered at hospitals that may not be covered by CBHS. Examples of these include:
Should you require any of these services, please contact Member Care on 1300 654 123 to find out if they are covered at your hospital.
You will be covered for chemotherapy received on a daily basis as long as you have Hospital Cover and the hospital you are receiving the treatment from has an agreement with CBHS and admits you as a day patient.
CBHS will only pay benefits towards services received as an in-patient of a hospital. If you attend a private hospital emergency ward and incur costs as an out-patient (that is, you are not admitted to hospital), you will not be able to claim these costs through CBHS.
If you have a daily co-payment on your membership, you will need to pay the relevant daily co-payment each day that you are hospitalised up to a maximum of 6 days per person or 12 days per family per calendar year.
A pre-existing ailment is an illness or condition where the signs or symptoms were evident (whether diagnosed by a doctor or not) at any time during a period of 6 months immediately prior to the time of joining CBHS. This is an industry standard rule applied by all health funds for the protection of existing members. The rule applies for 12 months continuous membership from the date of joining or when a member upgrades their cover.
You are covered to the minimum benefit specified in the prosthesis list issued under Private Health Insurance legislation.
When joining, upgrading, there is a 12 month waiting period for pre-existing ailments. You may be requested to provide a medical report so our medical advisor can assess whether or not the condition is pre-existing.
The report must be completed by the first doctor consulted for this condition. Download the Certificate for Medical Practitioner.
An example of a minor medical procedure could be the removal of a small cancerous spot where the doctor may perform this procedure in a sterile room and raises a specific fee for the use of the room.
This type of service is considered a non-admitted theatre fee. Benefits towards this specific fee are available under Top Extras, CBHS Prestige and LiveLife package covers. Benefits are 70% of the cost up a limit defined for your cover.
Please note that the bill for doctor services is payable by Medicare only.
In some instances home nursing is provided by the hospital after you have been discharged and is payable by CBHS under your hospital cover as part of your admission costs.
Alternatively if the above does not apply and you have Top Extras, LiveLife or CBHS Prestige package cover, you may receive benefits towards home nursing by a registered nurse.
Each individual State Government has different arrangements in place, which determines how an ambulance claim is paid. As a result CBHS is required to pay these claims based on the state the service was provided in. A summary of the state based arrangements are detailed below:-
No benefits are available for drugs used for IVF treatment from Extras cover under the pharmaceutical entitlement. CBHS does pay benefits towards inpatient IVF treatment in a contracted private hospital if your current hospital cover includes assisted reproductive services.
Under rules set down by the Department of Health, the payment of gap medical benefits is restricted to medical services provided whilst an admitted patient of a hospital.
A new born baby is classified as an admitted patient when one or more of the following criteria apply:
If none of these criteria are met, your baby is not classified as an admitted patient for gap medical purposes and expenses can only be claimed through Medicare. (It is required that you indicate that your baby was not classified as admitted patient.) You will be eligible for 85% of the schedule fee through Medicare. No further benefits are available from CBHS.
Generally, when mother and baby are in hospital, CBHS do not pay for the partner's meals or accommodation. Although there are benefits available for Boarder Fees (accommodation only) in some hospitals for specific situations, these benefits are subject to the conditions of the contract that is in place with CBHS. Please contact Member Care for further information.
If your baby needs to be admitted to hospital, you will be required to pay the relevant daily co-payment unless you have reached your family maximum of 12 days.
Effective from 1/1/2015 , CBHS will waive the for any dependant under the age of 24 on the following covers only:
Antenatal classes are covered on Top Extras, LiveLife and CBHS Prestige package cover. The benefit payable is 70% of cost, up to a maximum of $105.00 per confinement.
To claim for antenatal classes, CBHS requires an official receipt showing the provider's name, qualifications, dates and the cost of each class.
CBHS can help if you have Top Extras, LiveLife and Prestige package cover. Lactation classes come under the midwifery benefit, which entitles you to 70% of the cost up to a maximum of $500 per confinement.
To claim for lactation classes, CBHS requires an official receipt showing the midwife's full name and nurse’s registration number.
CBHS does not pay benefits towards a midwife performing home birthing; this is because the midwives are not able to obtain insurance to cover this service. As the midwives do not have the correct insurance, CBHS will not pay towards this service.
Your tax statement shows:
Your tax statement will help you or your tax agent to complete your tax return. It is a legal requirement that all health funds send tax statements to all main members and partners who were covered by CBHS during the last financial year.
Statements are sent to the main member and partner (if applicable) on your membership who has held private health insurance cover or paid a premium during the last financial year. If you have removed a partner or spouse throughout the financial year, they will receive their own tax statement. If CBHS does not have an address for them, it will be given to you to forward to them.
CBHS tax statements comply with the Australian Taxation Office (ATO) requirements. Due to a change in legislation we are now required to provide a tax statement to each main member and partner that was covered by a policy between 1 July 2015 and 30 June 2016.
To work out the amount of premiums each person paid on their tax statement, each payment is split in half based on who was covered on the policy at the time the premium was received.
Sarah and Matt pay their membership contribution of $100 each fortnight for 12 months. At the end of the year they have paid a combined amount of $2600. They will each receive a tax statement showing an amount of $1300.
Natalie and Luke were on a membership together from 1 July to 31 December 2015. On 1 January 2016 Natalie removed Luke and added new partner Nathan onto her membership. The contributions were $250 per month. In total the membership had paid $3000 in contributions.
The Tax statement will split the contributions 50/50 based on the amount of money that was received whilst each partner was on the membership.
Natalie will receive one with $1500, Luke with $750 and Nathan with $750.
Dependant children are not issued a tax statement.
A Sole Parent membership will receive one tax statement.
You will receive two tax statements, each one with information from the different memberships.
The figures on your tax statement take into account health insurance premiums received by CBHS during the period 1 July 2015 to 30 June 2016.
Please note: Payments made up to midnight on 30 June 2016 will be included on your 2015-16 tax statement.
Your tax statement will be available by 14 July 2016. If you elected to access your tax statements electronically, you will be advised via email when your statements are available online.
If you receive your correspondence via mail, we will have your tax statement sent out to you by 14 July 2016.
CBHS' Health Fund ID is 'CBH'.
You are able to print a financial year claims history from our Member Centre, or you can email CBHS at firstname.lastname@example.org, or call us on 1300 654 123. It will also be uploaded to your correspondence history.
Where can I find out more information about tax statements and the Australian Government rebate on Private Health Insurance?
You are able to print a financial year claims history from our Member Service Centre, or you can email CBHS at email@example.com, or call us on 1300 654 123.
If we have not answered all your queries about tax statements, please call us on 1300 654 123. If you have any questions about the Australian Government Rebate on private health insurance or your tax return, contact the Australian Taxation Office on 13 28 61 or visit ato.gov.au
The Medicare Levy is a 2.0% levy payable on your taxable income which partly funds Medicare to provide a health care safety net for all Australians. There are various exemptions for those on lower incomes. For details, please visit the Australian Taxation Office Medicare Levy Website.
The Medicare Levy Surcharge is designed to reduce the demand on the public Medicare system. The surcharge is levied on those individuals or families who were not covered by private health insurance for the whole year and have taxable incomes over the threshold in a given year. The base taxable income thresholds for the levy for 2015-16 is $90,000 per annum for singles and $180,000 per annum for couples, single parent families or families with one child. The income thresholds increase by $1,500 for each additional child after the first. The surcharge levy is applied at a tiered rate between 1% and 1.5%. For details, please visit the Australian Tax Office Medicare Levy Surcharge website.
If you receive your correspondence via mail, we will have your tax statement sent out to you by 14 July 2016.
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