(before any rebate, loading or discount)
Covers only one person
Available in Queensland
Closed to new members
# You may be entitled to an Australian Government rebate on the above premium. Your premium may also include a Lifetime Health Cover loading, an age-based discount or an insurer discount. Check with your insurer for details.
Membership of this insurer is restricted to current and past employees of Commonwealth Bank Group, franchisees, contractors, and their families.
This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with your insurer for details.
This policy does not provide benefits for travel or accommodation (outside of hospital).
| Back, neck and spine | Ear, nose and throat | Miscarriage and termination of pregnancy |
| Blood | Eye (not cataracts) | Pain management |
| Bone, joint and muscle | Gastrointestinal endoscopy | Pain management with device |
| Brain and nervous system | Gynaecology | Skin |
| Breast surgery (medically necessary) | Hernia and appendix | Sleep studies |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Implantation of hearing devices | Tonsils, adenoids and grommets |
| Dental surgery | Insulin pumps | Hospital psychiatric services |
| Diabetes management (excluding insulin pumps) | Joint reconstructions | Palliative care |
| Dialysis for chronic kidney failure | Kidney and bladder | Rehabilitation |
| Digestive system | Male reproductive system |
| Assisted reproductive services | Joint replacements | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Cataracts | Lung and chest | Pregnancy and birth |
| Heart and vascular system | Plastic and reconstructive surgery (medically necessary) | Weight loss surgery |
The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.
Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.
Excess: No excess
Co-payments: Every time you go to hospital you will have to pay:
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
Co-payment is payable to a maximum of six days per person or 12 days per couple/family each calendar year. Co-payments do not apply to any dependants on the policy.
Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au/). This includes cover whilst interstate.
Residents of QLD are covered under their state ambulance service scheme Australia-wide and benefits for ambulance services are not payable by CBHS.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.