More than 70 years ago, Commonwealth Bank established CBHS (then known as the Commonwealth Bank Health Society) as a not-for-profit health fund, existing for their employees and family. In 2024, we will bring the look of our two brands more closely together in recognition of the relationship that has served us well for so long. 

These brand changes won’t affect your relationship with us as your health fund. Although our logo and colours may look a bit different, our great value health cover and warm, caring service remains the same.

There is nothing you need to do as a result of these changes. 

You’ll start seeing our fresh new black and yellow branding from today! However, you may spot the old CBHS orange and blue from time-to-time, for example, as we use up existing stock of printed items. After all, as a not-for-profit, member-owned fund, we don’t like wastage. 

No. Since 1996, CBHS has operated completely independently, and continues to do so. We have simply chosen to align our look closer to CommBank in recognition of our 70+ year history of supporting the health and wellbeing of the CommBank community.

As a not-for-profit, member-owned fund, we keep our members at the heart of every decision we make. And that includes any decisions we made around developing our new look. A brand’s value is in the sum of its ongoing sustainability, recognition, perception, and consumer engagement. We believe that investing in a new look was important for CBHS to grow sustainably into the future and remain a strong fund. This has benefit for all our members, given that sustainable growth and strong financial performance contributes to downward pressure on premium increases.  

The updates to our brand in 2020 were designed to coincide with an upgraded website experience for our members and potential members. Our website is still the one you see today, albeit with some new colours. 

No. These changes will not impact your current premium. 

Yes – these will remain the same. 

Yes – these will remain the same. 

Yes! As you can appreciate, we’re proudly a member-owned fund, so keeping costs as low as possible is a priority. That’s why as members, you’ll keep your existing membership card unless you need a new one re-issued. 

The ways you currently contact CBHS all remain the same. 

We recognise that life changes, and we’ve designed our policies with this in mind. As your life stage evolves, the five new Hospital cover products below continue to make it easy to move your cover up or down to match¹.

To make way for the new product suite, some existing Hospital and packaged cover products will no longer be available to new joins or for current members to transfer to. These products are:

• Comprehensive Hospital (Gold)
• Active Hospital (Silver Plus)
• Limited Hospital (Bronze Plus)
• Basic Plus Hospital Prestige package (Gold)
• StepUp package (Bronze Plus)
• FlexiSaver package (Basic Plus)
  

All members on those products will remain covered, and there will be no changes to their premium, policy coverage or benefits. We have written to members on these covers with more detail about this change.

¹Waiting periods may apply if you upgrade to a higher level of Hospital cover.

Through the updates to our product range, we’ll better serve the members who put their trust in us. The new suite of CBHS Hospital products offers more flexibility with great value options to suit all life stages. It’s change for the better – as a member, you can continue to choose cover to meet your needs wherever you’re at in life, with the ability to move up and down over time as your needs change.^*

^*Waiting periods may apply if you upgrade to a higher level of Hospital cover.

Of course. You’re welcome to stay on your current cover or move to one of the new products.

Please bear in mind some of our existing covers will no longer be available for new joins or for current members to transfer to. We have written to members on these covers and advised that they will not be able to make any changes to their excess or co-payment after 31 July.

This table outlines some important things for current members to note:

Note - reactivation of a policy following a suspension which is in line with suspension rules. Read more about suspensions at cbhs.com.au /fundrules

As of 29 May 2024, we’ve removed the 70% service limit on our Extras policies (Top, Intermediate & Essential Extras, LiveLife package^*, StepUp package^*). This means you’ll now get back the ‘maximum claimable amount’ per service¹ (up to your overall limit).

• If the provider fee is less than the CBHS maximum claimable amount for your service, you can claim the full fee amount.
• If the provider fee is equal to or higher than the CBHS maximum claimable amount, you can claim the maximum claimable amount.

This simpler structure helps you easily understand how much you’ll get back in benefits on services like dental, optical and physio.

Read our ‘Member insider’ article for more details about the Extras benefit changes.

_{*Closed to new applications and transfers}
¹_{You must have served applicable waiting periods and have sufficient annual limits remaining. Overall limits are not changing.} 

It’s now much easier to see how much you can expect back after your treatment or service. You just need to check out the maximum claimable amount per service.

Here are three easy ways you can do this:

• Mobile app: Under Cover > Extras limits
• Member Centre: Under Benefits > View Extras limits
• Get a Benefit Quote: If you have the item numbers for the services you need, head to the Member Centre ‘Benefits’ tab and you can get a Benefit Quote for a more precise estimate of your benefits and any out-of-pocket costs.

Essential Extras is now also available as a non-student dependant cover. This allows our members to choose from our whole Extras range, when keeping their kids on their family cover until they turn 31.