Just the essentials

A little help with the basic services, perfect for

Young singles and couples
Families on a budget

Benefits

Dental 2017

  • DENTAL
    Description 70% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
    Preventative Dental
    Oral examinations (011, 012, 013) $35-$45 Unlimited Calendar year 2 Months
    X-ray (022) $28
    Removal of Plaque (111) $41
    Removal of calculus (114,115) $65 - $70
    Fluoride application (121) $25
    Mouthguard (151,153) $130-1$50
    Fissure sealing (161) $34
    General Dental
    Fillings $81-$150 Unlimited Calendar year 2 Months
    Consultation & Examinations $28-$40
    X-rays $21-$60
    Extraction or Surgical Dental $50-$255
    Major Dental
    Periodontic (gum treatment) $24-$260 $630 Calendar year 6 Months
    Endodontic (root canal treatment) $7.50-$180 $660 Calendar year 6 Months
    Inlays/Onlays/Facing/Veneers $260-$600 $1440 Any 5 years 6 Months
    Dentures & Implants $20-810 $1350 Any 5 years 6 Months
    Occlusal therapy $17-$260 $920 Lifetime 6 Months
    Orthodontia 70% $2800 Lifetime 12 Months
    Crowns and Bridges $10-$720 $3000 Any 5 years 12 Months

Prescribed Optical 2017

  • PRESCRIBED OPTICAL
    Service 70% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
    Frames $140

    $375

    Calendar Year 6 Months
    Single vision (pair 212) $130
    Bifocal (pair) (312) $140
    Trifocal (pair) (412) $150
    Multifocal (pair) (512) $210
    Contact lenses (852) $220

Therapies 2017

  • THERAPIES
    Description 70% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
    Physiotherapy (Initial/Subsequent) $61/$43 $720 Calendar year 2 Months
    Chiropractic (Initial/Subsequent) $61/$40 $720
    Osteopathy (Initial/Subsequent) $61/$35 $720
    Hypnotherapy $80 $360
    Occupational Therapy (Initial/Subsequent) $61/$35 $720
    Speech Therapy (Initial/Subsequent) $95/$46 $1850
    Clinical Psychology $30-$140 $450
    Ante natal/Post natal physiotherapy 70% $105
    Podiatry (excl. artificial aids: e.g. orthotics) $30-$50 $400
    Audiology $60 $360
    Eye Therapy $60 $455
    Dietitian $15-$75 $360
     
    ALTERNATIVE THERAPIES
    Natural therapies $33 $450  Calendar year  2 Months
    Buteyko, Herbal Medicine Consultations,
    Homeopathy, Naturopathy, Nutrition
    Oriental therapies $33 $450
    Acupressure, Acupuncture
    Chinese Herbal Medicine Consultation, Chinese Massage,
    Kinesiology, Reflexology, Shiatsu, Traditional
    Chinese Medicine Consultation
    Massage therapies $33 $450
    Alexander Technique, Aromatherapy, Bowen Therapy
    Deep Tissue Massage, Feldenkrais,
    Lymphatic Drainage, Myotherapy, Remedial Massage
    Rolfing, Sports Massage, Swedish Massage
    Therapeutic Massage

General health 2017

  • GENERAL HEALTH
    Description 70% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
    Blood Glucose Accessories 70% $320 Calendar Year 2 Months
    Home visits by Registered Nurse $120 (>4 hrs) $80 (<4 hrs) $2800
    Non-Pharmaceutical Benefits Scheme drugs requiring a prescription by law 100% less the current government prescribed co-payment up to $75 per prescription $1000
    Travel & accommodation+ 50% of the cost for accommodation (shared room rate) airfare, train, bus or 15c per kilometre for 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. In order to claim travel a patient must be visiting a specialist and will require a referral letter. Excludes Ronald McDonald house.

Health care aids 2017

  • HEALTH CARE AIDS
    Description 70% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
    Artificial aids $10-$1000 $1000 Any 3 years (12 month waiting period) - referred by a doctor and recognised by CBHS
    Hearing aids 70% $1600
    Blood pressure monitor, Nebuliser, Glucometer 70% $500

Wellness benefits 2017

  • WELLNESS BENEFITS

    90% of the cost up to the overall limit below

    Description Overall Limit Benefit Period Waiting period 
    Health checks $200 Calendar year 2 months
    Breast examinations (i.e. mammograms/x-rays)
    Bone density tests
    Skin cancer screening
    Bowel/prostate cancer screening
    Eye Screenings
    Health management  $100  Calendar year
    Quit smoking programs2
    Weight management programs2
    Stress management courses2
    Yoga1
    Pilates1
    Gym membership/Personal training1 $115 ($100 sub limit on personal training)
    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.2 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.

  • Benefit period
  • Per service benefit
  • Extras waiting period
  • Benefit period

    Each group of services within Extras and Package covers have 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.

    Benefits which attract a 3 and 5 year period are entitled to have the benefit renewed on the same date which the service was performed respectively.

    Benefits which attract a 'lifetime' period; lifetime means the period commencing on the date the member was first insured and ceases to be insured by CBHS (irrespective of any suspension of membership or other period without cover).

  • Per service benefit

    Most CBHS Extras benefits are subject to a Per Service Benefit. Generally, the maximum benefit for an individual Extras service is 70% of the service fee up to a Per Service Benefit within the overall category limit.

    Example:

    The maximum payment for the service 'extraction of a full tooth' is 70% of the cost up to the Per Service Benefit of $70.

    If your dentist charges you $80 for this service, you would receive a benefit payment of $56 (70% of $80 is $56). If your dentist charges you $110 for this service, you would receive a benefit payment of $70. While 70% of $110 is $77, the Per Service benefit for this service is $70 - the amount you would receive.

  • Extras waiting period

    Extras waiting period Calendar months
    Crowns and bridges, orthodontia, artificial aids, healthcare appliances, oxygen apparatus and hearing aids 12 months
    Prescribed optical appliances, periodontics, endodontics, inlays/onlays, facings, dentures and implants 6 months
    All other services 2 months

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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.