Generous pick and mix that will cover your day-to-day health needs

Our mid-level cover contains the basics and the most popular extra services members need. It’s perfect for

Young and growing families
Singles and couples

  • Extras
  • What you get
  • Dental Dental
    1. Limited preventative dental per year (2 month waiting period)
    2. Limited general dental per year (2 month waiting period)
    3. Limited major dental on gum treatment (periodontics) and root canal treatment (endodontic) covered with up to 70% cost per service benefit (6 month waiting period)
    4.  
  • Optical Prescribed Optical
    1. $250 annual limit and up to  70% cover on many types of prescription glasses and frames (6 month waiting period)
  • Therapies Therapies
    1. Physio, Chiro, Osteo, Podiatry, Dieticians covered with up to 70% cost per service benefit with various overall limit (2 month waiting period)
    2. Alternative therapies including Natural Therapies, Oriental Therapies and Massage Therapies are also covered with up to 70% cost per service benefits with an overall limit of $300 (2 month waiting period)
       
  • General Health General Health
    1. Blood glucose accessories, non-PBS drugs requiring a prescription by law covered with up to 70% cost per service benefits and generous annual limits (2 month waiting period applies)
  • Health Care Aids Health Care Aids
    1. When referred by a doctor and recognised by CBHS, you can get up to 70% cost per service benefit on artificial aids, blood pressure monitors, nebulisers and glucometers over a 3 year period (12 month waiting period applies)
  • Wellness Benefits Wellness Benefits
    1. A generous 90% cost per service benefit applies to health checks including breast examinations, bone density tests, skin cancer screening, bowel/prostate cancer screening, eye screenings (2 month waiting period)
    2. We cover health management services that will help you quit smoking, as well as weight and stress management programs (2 month waiting period)
    3. We even cover Yoga, Pilates and Gym Memberships as part of a Health Management program where recommended by a GP or recognised provider (2 month waiting period
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 $230 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-$150
Fissure sealing (161) $34
General Dental
Fillings $81-$150

$500

Calendar year 2 Months
Consultation & Examinations $28-$40
X-rays $21-$60
Extraction or Surgical Dental $50-$255
Major Dental   $400 Calendar year 6 Months
Periodontic (gum treatment) $24-$260
Endodontic (root canal treatment) $7.50-$180
Crowns and bridges $10-$700 $700 Any 5 years 12 Months
PRESCRIBED OPTICAL
Service 70% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
Frames $90

$250

Calendar Year 6 Months
Single vision (pair 212) $70
Bifocal (pair) (312) $60
Trifocal (pair) (412) $90
Multifocal (pair) (512) $100
Contact lenses (852) $160
THERAPIES
Description 70% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
Physiotherapy (Initial/Subsequent) $61/$43 $300 Calendar year 2 Months
Chiropractic (Initial/Subsequent) $61/$40 $250
Osteopathy (Initial/Subsequent) $61/$35
Podiatry (excl. artificial aids: e.g. orthotics) $30-$50 $250
Dietitian $15-$75 $100
 
ALTERNATIVE THERAPIES
Natural therapies $33 $300 Calendar year 2 Months
Buteyko, Herbal Medicine Consultations,
Homeopathy, Naturopathy, Nutrition
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
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
Description 70% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
Blood Glucose Accessories 70% $100 Calendar Year 2 Months
Non-Pharmaceutical Benefits Scheme drugs requiring a prescription by law 100% less the current government prescribed co-payment up to $75 per prescription $300
HEALTH CARE AIDS
Description 70% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
Artificial aids $10-$350 $350 Any 3 years (12 month waiting period) - referred by a doctor and recognised by CBHS
Blood pressure monitor, Nebuliser, Glucometer 70% $300
WELLNESS BENEFITS

90% of the cost up to the overall limit below

Service 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  2 months
Quit smoking programs2
Weight management programs2
Stress management courses2
Yoga1
Pilates1
Gym membership/Personal training1 $115 ($100 sub limit on personal training) Calendar year  2 months
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

Benefit Periods, Per Service Benefits and Extras Waiting Periods... Made Simple

  • Each service we give a benefit on has an associated overall limit, sometimes an annual, multi-year or lifetime benefit period and a waiting period.
  • Once you’ve been a CBHS member and served the relevant waiting period, you can claim benefits on services covered under your policy. In some instances, there’s a limit to how much you can claim (e.g. preventative dental is unlimited while major dental has a limit).

Other Extra Covers

What Our Members Think

I joined as a CBHS member in 1978. Through many health events and challenges CBHS has always been there for me and my family. Their exceptional service over this time has always been appreciated.

- Jenny J

What Our Members Think

I've not long joined CBHS from another fund, but so far I've been impressed by the super helpful and friendly staff, the higher claim limits and rebates at a very competitive premium, and how easy it is to lodge manual claims through the app. Thanks CBHS - you've won me over! 😃

- Jessica B

What Our Members Think

What I love about CBHS is their customer service - friendly staff and always ready to help and email you the information you ask about. Keep up the great work!!!

- Linda S

What Our Members Think

I love CBHS as its so so easy to lodge a claim and whenever i need a question answered friendly consultant is one phone call away. The phone back option instead of waiting is brilliant!

- Rachel N

What Our Members Think

I have been with CBHS since I began at CBA 15 years ago...Now I have three beautiful children, one who has a disability. Our top extras cover has been really essential for his early intervention. I do love the ease of claiming online.

- Annette E

What Our Members Think

I am relatively new to CBHS and am loving it already. I worked for a CBA subsidiary a long time ago but was still eligible to join. So much better that the for-profit funds - our premium is only a little more and we pay a lower co-contribution and get great benefits. I am loving the massage rebate for my partner and gym rebate for me!

- David G

What Our Members Think

I'm extremely happy with CBHS! I have been a customer for about six years. I think the price is reasonable. And i would refer you to my family and friends any day. Thankyou CBHS!!!

- Karen W

What Our Members Think

Love CBHS as I never have to doubt that they've got my back when I need it. Been through other insurers who have limited options or limits, yet cost the same or more.

- Mark F

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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.