(before any rebate, loading or discount)
Covers only one person
Available in Victoria
# 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).
| Bone, joint and muscle | Dialysis for chronic kidney failure | Male reproductive system |
| Dental surgery | Digestive system | Miscarriage and termination of pregnancy |
| Hernia and appendix | Ear, nose and throat | Pain management |
| Joint reconstructions | Eye (not cataracts) | Pain management with device |
| Tonsils, adenoids and grommets | Gastrointestinal endoscopy | Palliative care |
| Assisted reproductive services | Gynaecology | Plastic and reconstructive surgery (medically necessary) |
| Back, neck and spine | Heart and vascular system | Pregnancy and birth |
| Blood | Hospital psychiatric services | Rehabilitation |
| Brain and nervous system | Implantation of hearing devices | Skin |
| Breast surgery (medically necessary) | Insulin pumps | Sleep studies |
| Cataracts | Joint replacements | Weight loss surgery |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Kidney and bladder | |
| Diabetes management (excluding insulin pumps) | Lung and chest |
| Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
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.
A cost-effective Hospital and Extras cover tailored for individuals seeking a handpicked selection of common services like dental and optical, without the need for pregnancy-related coverage. If your doctor or specialist participates in our Access Gap Cover scheme, you may be able to reduce or eliminate your out-of-pocket medical costs. Co-payment is payable to a maximum of six days per person or 12 days per couple/family each calendar year.
By using a CBHS Choice Network provider you will have lower out-of-pocket costs on Dental and Optical and have access to more "no gap" services. A list of providers is available on the CBHS website.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 2 | $675 per policy (no limit on preventative dental) (combined limit for general dental & endodontic) | Periodic oral examination - $33.00 Scale & clean - $58.00 Fluoride treatment - $22.00 Surgical tooth extraction - $172.00 |
| Endodontic | 6 | Filling of one root canal - $117.00 | |
| Optical | 6 | $230 per policy | Single vision lenses & frames - $230.00 Multi-focal lenses & frames - $230.00 |
| Non PBS pharmaceuticals | 2 | $200 per policy (combined limit for non pbs pharmaceuticals & vaccinations) | Per eligible prescription - $75.00 |
| Physiotherapy | 2 | $250 per policy (combined limit for physiotherapy, chiropractic & osteopathy) | Initial visit - $40.00 Subsequent visit - $30.00 |
| Chiropractic | 2 | Initial visit - $40.00 Subsequent visit - $40.00 | |
| Psychology | 2 | $250 per policy | Initial visit - $50.00 Subsequent visit - $50.00 |
| Acupuncture | 2 | $200 per policy (combined limit for acupuncture, remedial massage, chinese medicine & other services) | Initial visit - $26.00 Subsequent visit - $26.00 |
| Remedial massage | 2 | Initial visit - $26.00 Subsequent visit - $26.00 | |
| Chinese medicine | 2 | Initial visit - $26.00 Subsequent visit - $26.00 | |
| Dietetics/dietary advice | 2 | $100 per policy | Initial visit - $75.00 Subsequent visit - $42.00 |
| Health management / Healthy lifestyle | 2 | $315 per policy (combined limit for health management / healthy lifestyle & other services) | Health management - 100% of charge |
| Osteopathy | 2 | Combined limit - see Physiotherapy | Initial visit - $40.00 Subsequent visit - $30.00 |
| Vaccinations | 2 | Combined limit - see Non PBS pharmaceuticals | Per service - $75.00 |
| Unlimited preventative dental, cover for blood glucose accessories. | |||
| Blood glucose monitors | Major dental | Podiatry |
| Hearing aids | Orthodontic | Other treatments - check with your insurer |
CBHS Wellness Benefits assist you in proactively managing your health and wellbeing. You'll be covered for a variety of health checks and health management programs designed to assist you in living a healthier, happier life.
In Victoria this policy provides:
Emergency: Unlimited with a waiting period of 1 day.
Call-out fees: will be paid for each attendance, including emergency treatment without transport to hospital.
Coverage for emergency ambulance services if you’re transported directly to a hospital or treated at the scene during a medical emergency. This transport or treatment must be provided by a State Government or a private ambulance service that we recognise, e.g., the Royal Flying Doctor Service. Cover includes transport from the scene of an accident or medical event such as a heart attack.
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.