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Our member-owned health fund is for current and former CBA Group staff, their families and contractors – find out now if you’re eligible to join the CBHS family!
CBHS Health Fund
Broader, affordable coverage
Services that provide security
* Check the 'What's partially covered' for a list of the restricted services.
The services listed below, when provided in a private hospital, are eligible for Minimum Default Benefits prescribed by private health insurance legislation. These benefits relate to hospital bed charges and are unlikely to cover the fees charged for a private hospital admission. Members may incur large out of pocket expenses for theatre fees together with the difference between the Minimum Default Benefit and the bed charge raised by the hospital.
The services listed below are also eligible for hospital benefits in a public hospital at a shared room rate. Public hospitals do not raise charges for theatre use.
For treatment listed as an exclusion there is no benefit payable and member will incur significant out of pocket expense for these services. Please review the exclusions on this cover and always check with CBHS to see if you are covered before receiving treatment. The following services are excluded from this cover:
Waiting periods apply to those who are new to private health insurance or those who already have cover with CBHS or another fund, and choose to upgrade to a higher level of cover.
Parts of waiting periods served within one health fund can be completed in another when a person transfers funds. If you upgrade your level of cover waiting periods may apply to benefits not previously included within your original cover.
Δ Accident means an injury as a result of unintentional, unexpected actions or events that require treatment by a registered practitioner, but excludes pregnancy.
You can reduce the cost of your Limited Hospital cover by agreeing to a daily co-payment of $70 or $100. This means that when you go into hospital you pay the relevant daily co-payment each day that you are in hospital up to a maximum of six (6) days per person or 12 days per family per calendar year. Co-payment does not apply for any dependant children on the policy.
Our highest level of hospital cover for complete peace of mind
Mid-level cover with restricted benefits on services you're less likely to need (e.g. pregnancy)
For those after basic care in a public hospital that gives you the choice of you own doctor
Active Hospital is a high-level product that covers more than the basics while excluding some services you don’t need
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
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 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
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
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
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
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
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
Download Limited Hospital Product Sheet
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.