Compare our Hospital Cover against your needs

  • Public Hospital Access
  • Private Hospital Access
  • Daily Co-Payment or Excess Option
  • Designed to give you the choice of your own doctor when receiving treatment as a private patient in a shared room of a public hospital.

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  • Shared-room
    only

  • Nil, $500 or $750

  • Designed to cover most eventualities with some restricted benefits on services and treatments for things you are less likely to need.

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  • Including private room for non-restricted services

  • For non-restricted services

  • Nil, $70 or $100

  • A high-level of cover with exclusions for a small number of procedures to match your life stage.

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  • Including private room for non-restricted services

  • For a wide range of services

  • $100

  • A high-level of cover with exclusions for a small number of procedures to match your life stage.

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  • Including private room for non-restricted services

  • for non-restricted services

  • Nil, $70 or $100 / $750

Hospital Procedures Covered

  • Accident related treatment after joining
  • Tonsils, adenoids and grommets
  • Joint reconstructions
  • Hernia and appendix
  • Dental surgery
  • Bone, joint and muscle
  • Brain and nervous system
  • Ear, nose and throat
  • Kidney and bladder
  • Digestive system
  • Gastrointestinal endoscopy
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Skin
  • Breast surgery (medically necessary)
  • Diabetes management (excluding insulin pumps)
  • Miscarriage and termination of pregnancy
  • Gynaecology
  • Male reproductive system
  • Eye (not cataracts)
  • Blood
  • Back, neck and spine
  • Implantation of hearing devices
  • Dialysis for chronic kidney failure
  • Insulin pumps
  • Pain management
  • Pain management with device
  • Sleep studies
  • Cataracts
  • Heart and vascular system
  • Lung and chest
  • Plastic and reconstructive surgery (medically necessary)
  • Rehabilitation
  • Hospital psychiatric services
  • Palliative care
  • Pregnancy and birth
  • Assisted reproductive services
  • Joint replacements
  • Weight loss surgery
  • Podiatric surgery (provided by a registered podiatric surgeon)
  • Cosmetic services
  • Services for which a Medicare benefit is NOT payable
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • R
  • O
  • O
  • R

Other Cover Inclusions

  • Emergency Ambulance Transport
  • Medicare Levy Surcharge Compliant
  • Access Gap Cover
  • Choice of Doctor
  • Member Discounts
  • Hospital Substitute Treatment
  • Better Living Program
  • Extra Cover Available?
  • Need more information?

Waiting Periods

  • Pre-Existing Conditions*
  • Pregnancy and birth
  • Hospital psychiatric services**, rehabilitation, palliative care
  • All Other Treatments
  • Accidents***, emergency ambulance transport
  • Need more information?

Legend

- Covered in private agreement hospitals and public hospitals.

- Additional services covered above the minimum requirements.

R - Restricted benefits

R - Additional restricted benefits covered above the minimum requirements.

- Exclusions (not covered)

 O - Indicates benefits for accommodation at Minimum Benefits in relevant PHI (Benefit Requirements) Rules and prostheses benefits based on items listed by the Minister of Health. No benefit for medical or theatre costs.

* If a member has a pre-existing condition, a waiting period of 12 months will apply before we will pay hospital or medical benefits towards any treatment for that condition.

** Note that upon serving the two month waiting period, members can choose to upgrade their cover (once in a lifetime) and access the higher benefits for hospital psychiatric treatment associated with that cover, without serving an additional waiting period. For more details contact us on 1300 654 123 or by sending an email to help@cbhs.com.au.

*** Accident means an unexpected or unforeseen event caused by an external force or object resulting in an injury to the body which requires treatment by a medical practitioner, Hospital or dentist (as the context requires) but excludes pregnancy.

Some of the benefits of Hospital Cover with CBHS

Chronic Disease Management Program

Health programs that can help you lose weight, quit smoking, and manage chronic illness.

Access Gap Cover

Special gap cover scheme that allows admitted private patients to reduce or eliminate out-of-pocket expenses associated with medical procedures and the doctor’s fees.

Hospital in the Home Program

Professional care at your door – reduce recovery time and heal in the comfort of your own home.

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. Thank you 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.