At CBHS we help you manage your health challenges. We believe in offering you the services, support and tools you need to live your best life.
Our Better Living Programs are available to support eligible members towards a healthier lifestyle. Each Better Living Program is subject to its own eligibility criteria.
Contact us for more information and to confirm your eligibility for a program.
Proudly not-for-profit since 1951.
We turned 70 at the beginning of 2021. Seventy years of providing the highest value health insurance will teach you a thing or two about health and loyalty. We are proud to say that after more than 70 years, we still exist to bring you value every day. Simply put; our loyalty is to you and your health is our priority.
Brochures and guides
CBHS recognises the importance of transparency and information for members so that every member can make the most of their membership. These brochures and guides are designed to assist members with understanding CBHS’ values and products, CBHS’ special schemes such as the Access Gap Cover program and the operating rules of the Fund.
Access Gap Flyer
CBHS’ Access Gap Cover scheme is one of the many ways CBHS is delivering outstanding value to our members. CBHS’ Access Gap Cover scheme was set up to minimise or eliminate out-of-pocket expenses for members when accessing medical treatment or products.
This flyer outlines how our Access Gap Cover scheme works and how members can speak to their doctors about participating in our Access Gap Cover scheme. For your convenience, we’ve designed a special tear-off section for your doctor. This section explains the benefits of participation in the scheme to your doctor.
Product Information Brochure
This brochure provides a comprehensive overview of CBHS’ exceptional member care services and products. You can find out more about the benefits of joining the CBHS family, your eligibility to join, and how to join CBHS. Written in plain and clear language, the brochure also contains valuable information on CBHS’ Choice Network and other special programs, such as our Chronic Disease Management Programs and Hospital Substitute Treatment option.
CBHS offers a comprehensive range of insurance products that are designed to suit your age and lifestyle. If you’re unsure about the type of package you need, this brochure outlines package cover options we provide, including Prestige (Gold), KickStart (Basic Plus) and StepUp (Bronze Plus).
You’ll find important information on handpicking your cover, understanding your health cover and things you need to know, such as the claiming process,
pre-existing conditions and how we safeguard your privacy.
Health Benefit Fund Rules
You can find out more about CBHS’ Health Benefit Fund Rules by downloading this document. Our Rules cover our governing principles, the use of funds, membership, contributions, benefits, hospital treatment, and other aspects of our services. There are also detailed tables outlining contribution rates.
CBHS Better Living health management programs
CBHS knows that some members have issues that have been present in their lives for some time that prevent or decrease wellness. Our programs are for people who do not have any identified issues yet but may have risk factors such as obesity, high blood pressure, high cholesterol, sleep apnoea or smoking. Download the guide below to find out more.
Private Health Insurance Ombudsman Service (PHIO)
Those brochures provide information on the Private Health Insurance Ombudsman service and consumer information about changing health funds, doctors' bills, waiting periods, tips and other guides for consumers.
Download claim forms
CBHS members enjoy exceptional member care and easy claiming.
Save time by claiming online via our secure Member Centre
Use this form to claim benefits for all health insurance items including hospital, medical and extras services.
Members claiming benefits for health management programs should include this form with their claim.
You will need to ask your health care provider to complete the relevant sections of the form.
Submit your claims to Medicare by using this form.
Use this form for service providers who do not participate in Access Gap and bill you directly. This form allows Medicare
to forward your claim to us for payment of remaining benefits after they have processed your claim.
Use this form to receive the Australian Government Rebate on Private Health Insurance as a reduced premium.
Lodge your completed form with CBHS.
Membership Application Form
CBHS offers a comprehensive range of health insurance products to suit all ages and lifestyles. These plain-English product sheets are designed to help you understand your cover and benefits, as well as any exclusions or restrictions.
CBHS’ package cover combines benefits for Hospital and Extras services and items in one easy-to-understand package.
FlexiSaver (Basic Plus)
FlexiSaver (Basic Plus) is 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 while saving money by accepting to have exclusions on hospital treatments not needed at this stage of life.
KickStart (Basic Plus)
CBHS’ KickStart (Basic Plus) package is an affordable level of cover designed for the fit and healthy, because accidents do happen. It includes general benefits for Extras services, wellness benefits and more.
StepUp (Bronze Plus)
StepUp (Bronze Plus) is a mid-level package cover option that incorporates Intermediate Extras and Limited Hospital (Bronze Plus). It is suitable for young families and those who want to access benefits for popular services.
Prestige (Gold) is the highest level of packaged cover, incorporating generous benefits for a broad range of services.
Basic Plus Hospital
Basic Plus Hospital cover is suitable for those who want to be covered for the basics and to be able to choose their own doctor or specialist when receiving treatment in a public hospital.
Limited Hospital (Bronze Plus)
Limited Hospital (Bronze Plus) cover is CBHS’ intermediate-level hospital cover. This product is suitable for those who want to be covered for the essential services and items and not services that they are less likely to need.
Active Hospital (Silver Plus)
Designed for young professionals and empty nesters, Active Hospital (Silver Plus) is a high level product that covers more than the basics while excluding some services you are less likely to need - like pregnancy.
Comprehensive Hospital (Gold)
CBHS’ Comprehensive Hospital (Gold) cover offers the highest level of hospital cover available, and is designed for those who want cover for unexpected situations.
Essential Extras offers Extras cover at an affordable price. Included are benefits for preventative dental, wellness benefits and basic cover for dental, optical, chiropractic and physiotherapy services.
Intermediate Extras is suitable for those who want benefits for common services and treatment. It includes generous service limits, cover for preventative dental services and wellness benefits.
Top Extras is CBHS’ premium Extras product, providing members with generous coverage for a comprehensive range of services and treatments.
CBHS PRODUCT INFORMATION BROCHURE
An overview of CBHS' products and services
This brochure provides a comprehensive guide to CBHS’ exceptional services and products. You can find out more about the benefits of joining the CBHS family, your eligibility to join, and how to join CBHS. Written in plain and clear language, the brochure also contains valuable information on CBHS’ Choice Network and other special programs, such as our Chronic Disease Management Programs and Hospital Substitute Treatment options. Use this brochure to compare different levels of cover and packages.
CBHS CLOSED PRODUCTS
Product sheets for CBHS closed products
The following products are closed to new members and transferring members. They remain available to members who were covered at the time of product closure, and have not since upgraded or transferred to a new policy.
Recognised Provider Terms & Conditions
Terms and Conditions which set out the conditions upon which CBHS recognises Providers for the purpose of paying Benefits for Extras Services.
HELPER Registration Form
CBHS HELPER Registration Form is used to authorise hospitals and people to access CBHS’ Hospital Extranet Link for Patient Eligibility Records. The HELPER system gives named individuals access to private patient eligibility individual over the internet.
Authorisation to Release Information Form
Use this form to authorise the release of the patient and member’s details by the patient’s doctors, hospitals and any other authorities to CBHS and CBHS’ medical consultants. The patient (or member if the patient is a dependent on their parent’s membership) must sign the form for the authorisation to take effect.
Certificate for Medical Practitioner
Members may need to submit this form if they have joined or upgraded their level of hospital cover in the past 12 months. This medical report allows CBHS’ medical advisors to check whether the member’s condition is a pre-existing condition and determine whether it is covered by the member’s cover.
The Accident/Injury/Condition Form allows CBHS to access the member’s claim in relation to an accident, injury or condition. You’ll need to outline the nature of the injury or condition and provide other relevant details such as date of occurrence and whether the injury occurred at work.
Hospital Special Consideration Forms
On some occasions, CBHS may need to obtain information directly from providers such as hospitals, doctors and other health professionals. These are the forms used for HELPER registration, hospital payments, hospital special consideration, information release authorisation, medical practitioner certificates and accident/injury/condition forms.