CBHS Health Fund
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1300 654 123
To further help you reduce your out-of-pocket expenses as a result of hospitalisation, StepUp also includes a medical gap benefit called Gap Assist, $100 per person per calendar year towards out-of-pocket expenses.
# 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.
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.
* 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 email@example.com.
*** 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.
A daily co-payment of $70 applies to StepUp (Bronze Plus). 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 couple/family/sole parent in a calendar year. So, if you are admitted to hospital for two days, you will pay a co-payment of $140. Co-payment does not apply for any dependant children on the policy.
A good variety of extras to suit your lifestyle
Cover for dental including orthodontics for the growing family
Generous benefits on optical, physio and chiro
Alternative therapies covered including remedial massage, acupuncture and more
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.
90% of the cost up to the overall limit below
Prestige (Gold) is a premium level of cover with top of the range hospital cover and very generous limits on Extras. Plus, access to Best Doctors services.
Affordable package cover for the fit and healthy covering the things you want, like dental and optical, without the services you don’t need.
An entry level package for the young healthy singles and couples, designed to give the flexibility to use extras overall limit on service needed the most.
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. Thank you 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
Find out if you're eligible to join by answering these THREE questions.
Have you ever worked (including contracting) for CBA or a CBA Group company?
Has anyone in your family ever worked (including contracting) for CBA or a
CBA Group company?
Was anyone in your family a member of CBHS before 27 March 2017?
You may not be eligible for CBHS Health Fund, but check out our sister fund CBHS Corporate Health.
CBHS Corporate Health brings you the same award-winning service and expert health cover, but is open to everyone.
Visit CBHS Corporate Health
If you have any questions, our friendly team is ready to assist you. Simply call 1300 654 123.
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