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.
We’ve been there for our members. Our support, during and since the pandemic, now totals $62 million:
- Approximately $33m in premium relief through deferral of four premium increases, including the current six-month deferral to 1 October 2023
- Cashbacks on Extras premiums totalling nearly $11m in 2020 and 2021
- Supported members with around $3m in financial hardship premium relief
- Opened the Clinical Concierge Wellbeing Line to all CBHS members to offer support, and assistance with navigating the healthcare system
- Extended mental health support for members between July 2020 and September 2020
- Commenced telehealth Extras services which continue today
- Covered COVID-19 hospital admissions under any level of Hospital cover.
Please see our FAQs below for further details on this cashback initiative, or contact us at email@example.com or 1300 654 123 (8am-7pm Mon-Fri AET)
Health funds need to review their premiums annually as the cost of healthcare, medical technology, and subsequently claims costs, increases each year. Also, like all industries, higher than normal inflation is impacting the private health insurance sector.
The ongoing strength and viability of CBHS as your not-for-profit, member-owned health fund relies on prudent financial management, and this includes reviewing premiums. We do our best to keep premium increases as low as possible so that our members can continue to benefit from great value health cover.
CBHS is focused on keeping costs down by investing in our health and wellbeing programs to keep you healthier longer, reducing claims fraud and errors, and focusing on optimising the administration costs of running our member-owned fund.
In 2023, our average premium increase may be higher than other funds. However, even at these new premiums, our products remain very competitive and continue to offer great value health cover.
For example, our Gold tier Hospital and top level Extras products are priced lower than comparable competitors’ products.
When you experience a premium increase, it’s important to consider those factors when comparing to other health funds.
CBHS’ high-quality products offer additional health and wellbeing programs and services, while we provided 87.8% in benefits returned to members in 2022 as a percentage of premiums paid. That’s the second highest of all Australian restricted health funds.* Over recent years we have worked hard to keep our premiums as low as possible, and the June announcement of our $15m cashback brings our total COVID support package to $62m.
It’s also important to note that as a not-for-profit, member-owned fund, CBHS operates at a very low margin. Any profits we make are invested back into the fund to improve our products and services for members.
You don’t need to do anything. If you are eligible, we will process your cashback to the nominated bank account we pay your claims into by 31 December 2023.
We’ll contact eligible members with more information closer to the time of making the payment to your bank account.
You’ll receive the cashback in your bank account by 31 December 2023. We’ll make more details available to you closer to this time.