Great coverage for the health conscious, covering the necessities
(like optical and dental)

Hospital cover highlights

  • Private hospital cover for the most commonly claimed services
  • Restricted benefits for services you're less likely to need
  • $70 daily co-payment option to keep premiums low
  • Emergency ambulance transport
  • What's covered?
  • What's not covered
  • Waiting period
  • Co-payment
  • KickStart hospital cover will cover you for:

    • Private or Public Hospital accommodation & services includes overnight, same day, intensive care* and theatre fees. Cover is provided for a private or shared room in a private or public hospital for the following services:
      1. > accidents and medical emergencies;
      2. > the investigation, repair or reconstruction of bones and tissues of a knee, hip or shoulder; and
      3. > the removal of wisdom teeth, tonsils, adenoids or the appendix.
    • All other services in any hospital are eligible for restricted benefits. Restricted benefits are payable only at the minimum rate specified by law and may only provide a benefit similar to a public hospital shared room rate. Restricted benefits may not be sufficient to cover admissions in a private hospital. Restricted services are covered for a shared room in a public hospital.

    *Theatre and Labour ward fees are not charged in a public hospital

    • Medical expenses related to providers for services while admitted in hospital e.g. fees from doctors, surgeons anaesthetists, pathology, imaging etc. Covered for all services eligible for benefits from Medicare up to Medicare Benefits Schedule (MBS) Fee. Members have their choice of doctor/surgeon in a public or private hospital. CBHS will cover the difference between the Medicare benefit and the MBS fee for services provided as an admitted patient to a hospital
    • Access Gap Cover is where a provider chooses to participate under an arrangement with the fund. CBHS covers up to 100% of an agreed amount in excess of the MBS fee which reduces or eliminates your out-of-pocket medical expenses. (i.e. surgeons, anaesthetists, pathologists, imaging fees etc)
    • Surgically implanted prostheses to at least the minimum benefit specified in the prosthesis list issued under Private Health Insurance legislation
    • Pharmacy covers most drugs related to the reason for your admission in an agreement private hospital
    • Emergency ambulance transport for an accident or medical emergency by approved ambulance providers
    • Better Living programs to help you manage your health and wellness.
    • Hospital Substitute Treatment means the possibility of receiving rehabilitation treatment or the care of a registered nurse at home.

    # All hospital services provided in a public hospital are eligible for Minimum Default Benefits. These benefits are stipulated by the department of Health and listed in the relevant Private Health Insurance (Benefit Requirement) Rules. Some hospitals may charge above the Minimum Default Benefit for shared room accommodation. Please note that fees charged in excess of Minimum Default Benefits are an out-of-pocket expense and are not eligible for reimbursement under CBHS policies.

    *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.

  • KickStart hospital cover will not cover you for

    • If a member is admitted into a private hospital for restricted services, benefits are payable only at the minimum rate specified by law. These benefits may only provide a benefit similar to a public hospital shared room rate. These benefits may not be sufficient to cover admissions in a private hospital
    • Nursing home type patient contribution, respite care or nursing home fees
    • Take home/discharge drugs (non-PBS drugs may be eligible for benefits from your Extras cover)
    • Services claimed over 24 months after the service date
    • Services provided in countries outside of Australia
    • Prostheses used for cosmetic procedures, where no Medicare benefit is payable
    • Ambulance transfers between hospitals

    Exclusions:

    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:

    • Cosmetic services
  • Waiting period:

    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.

    Hospital waiting period Calendar month
    Pre-existing conditions, pregnancy related services 12 months
    Psychiatric, rehabilitation, palliative care, all other treatments or services 2 months
    Accidents Δ, injuries and emergency ambulance transport 1 day

    ΔAccident means an injury as a result of unintentional, unexpected actions or events that require treatment by a registered practitioner, but excludes pregnancy.

  • Co-payment:

    A daily co-payment of $70 applies to KickStart. This means that if you go into hospital you will pay $70 for every day that you are there, up to a maximum of 6 days per person or 12 days per family in a calendar year. So, if you are admitted to hospital for two days, you will pay an co-payment of $140.

+

Extras cover highlights

  • Unlimited preventative dental annual limits

  • Cover for some major dental services

  • Generous limits on services including optical, physio, chiro and other therapies

  • High per service benefits every time you claim

  • Extras
  • What you get
  • Dental Dental
    1. Unlimited preventative dental care (2 month waiting period)
    2. Limited general dental (2 month waiting period)
    3. Limited major dental (6 month waiting period)
  • Optical Prescribed Optical
    1. Frames, lenses and contact lenses covered up to the maximum claimable benefit per service
  • Therapies Therapies
    1. Physio, Chiro, Osteo, Clinical Psychology and Dieticians covered with up to the maximum claimable benefit per service (2 month waiting period)
    2. Alternative therapies including Natural Therapies, Oriental Therapies and Massage Therapies are also covered with up to 100% cost per service benefits with an overall limit of $200 (2 month waiting period)
  • General Health General Health
    1. Blood glucose accessories and non-pharmaceutical benefits scheme drugs requiring a prescription by law up to the maximum claimable benefit per service (2 month waiting period and referred to by a CBHS recognised doctor)
  • 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
    4. *Examples of skin cancer screening include mole mapping or digital mole photography. Benefits are claimable through CBHS as long as they are not claimable from another source such as Medicare. If a member has received a benefit from Medicare they cannot claim the gap with 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.

Each group of services within Extras and Packages cover has 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.

DENTAL
Description 100% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
Preventative Dental
Oral examinations (011, 012, 013) $27.50-$40 Unlimited Calendar year 2 Months
X-ray (022) $23
Removal of plaque (111) $30
Removal of calculus (114,115) $42-55
Fluoride application (121) $20
Mouthguard (151,153) $62-65
Fissure sealing (161) $30
General Dental
Fillings $49-115

$675

Calendar year 2 Months
Consultation & Examinations $28.50-35.50
X-rays $20-45
Extraction or Surgical Dental $50-$200
Major Dental   6 Months
Periodontic (gum treatment) $24-$190
Endodontic (root canal treatment) $35-$180
PRESCRIBED OPTICAL
Service 100% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
Frames 100%

$230

Calendar Year 6 Months
Lenses
Contact lenses
THERAPIES
Description 100% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
Physiotherapy (Initial/Subsequent) $40/$30 $250 Calendar year 2 Months
Chiropractic (Initial/Subsequent) $40/$30
Osteopathy (Initial/Subsequent) $40/$30
Clinical Psychology $50 $250
Dietitian $15-$75 $100
 
ALTERNATIVE THERAPIES
Natural therapies $26 $200 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
GENERAL HEALTH
Description 100% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
Blood Glucose Accessories 100% $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 $200
WELLNESS BENEFITS

90% of the cost up to the overall limit below

Service Overall Limit Benefit Period Waiting period 
Health checks  $100  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

Other Package 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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