Compare combined health insurance from CBHS for hospital and extras cover
CBHS is a health fund for members of Commonwealth Bank (CBA Group) and their families. You can sign up if you are a current or former employee, contractor or franchisee of Commonwealth Bank, or a partner or dependent of someone who is. This includes siblings, partners, children and grandchildren.
CBA Group encompasses a range of organisations, including Colonial First State, Bankwest, the State Bank of Victoria and any other subsidiary. All of them entitle you to join CBHA.
What does CBHS combined health insurance offer?
Combined health insurance delivers both hospital and extras cover in one package. It can be more cost-effective than buying each separately, but might not be as flexible.
CBHS offers four types of combined package:
- FlexiSaver: Entry-level cover for the young and healthy. An overall extras limit provides flexibility, while costs are reduced by excluding hospital benefits that are unlikely to be needed.
- KickStart: Also for the fit and healthy, but with a broader range of extras and hospital cover so you are prepared for the unexpected. It also includes wellness benefits which help with health checks and health management.
- StepUp: Mid-level cover that provides an affordable choice if you want more robust cover with few exclusions or restrictions.
- Prestige: All-round high-level cover with comprehensive hospital and extras in one package.
Hospital cover provided with each package
|Excess/co-payment||$500 excess||$70 co-payment||$70 co-payment||None|
|No-waiting-period accident cover|
|Access gap cover with participating providers|
|Gap Assist, annual benefits for gap expenses||$100||$200|
|Theatre and labour ward fees|
|Best Doctors scheme access|
|Emergency ambulance cover|
Which procedures are covered in a private hospital?
- yes - Services are fully covered (up to the policy limits) in a private hospital.
- no - Procedures are not covered in a private hospital.
- restricted - Where services are restricted, you are entitled to a minimal reimbursement in a private hospital for certain room expenses, but generally not for actual procedures.
|Knee, hip and shoulder investigation and reconstruction|
|Wisdom teeth, tonsil, adenoid and appendix removal|
|Kidney and gallstone removal|
|Colonoscopies and gastroscopies|
|Back surgery (eg, spinal fusion)|
|Cochlear implant surgery|
|Insulin pump treatments|
|Major eye surgery|
|Hip and knee joint replacements|
|Other joint replacements|
|Heart and lung related procedures|
|Bariatric and weight loss surgery|
|Sterilisation and reversal|
|Plastic and reconstructive surgery|
|All Medicare services|
Extras cover provided with each package
The range of extras services is limited with the more basic cover types, but the higher level options offer a wide range of benefits.
Dental and optical cover
|FlexiSaver (55%)||KickStart (100%)||StepUp (70%)||Prestige (70%)|
|Inlays, onlays and veneers|
|Dentures and implants|
|Crowns and bridges|
Therapies and other extras
|Antenatal and postnatal|
|Podiatry (no orthotics)|
|Blood glucose accessories|
|Blood pressure monitor, glucometer, nebuliser|
Are there any additional benefits?
Some of the plans deliver benefits that you won’t always find with other health funds. For example, being able to access the Gap Cover scheme with even the most basic plan means you can access a level of cost-effectiveness and quality of care that’s not easily matched.
Similarly, the Gap Assist scheme, which is available with StepUp and Prestige cover, is specifically designed to cover any gaps that do arise. This makes it significantly easier to have a smooth hospital trip, without any out-of-pocket costs at all.
The Best Doctors scheme, which can be accessed with Prestige cover, is a benefit that is rarely included, but can make a big difference. It gives you access to leading medical experts around the world, as nominated by their peers. To date, consulting these experts has led to a change of diagnosis in roughly 15% of Australian cases, and a suggested treatment change in 25% of cases.
What are the limitations and waiting periods?
There is only a one-day waiting period for ambulance and accident cover, so if something happens you’re covered almost as soon as you sign up. However, waiting periods do apply for other services.
Waiting period for in-hospital treatment:
- 12 months for pre-existing conditions and pregnancy related services
- 2 months for any other treatment
Waiting period for extras cover:
- 2 months for most services
- 6 months for optical and most major dental
- 12 months for crowns and bridges, orthodontics, hearing aids and other healthcare appliances
How to claim
You can claim extras in three different ways:
- On the spot. With providers that have HICAPS or iSOFT facilities, you can simply swipe your CBHS membership card and then pay any difference.
- Claim online. Sign in to CBHS online and enter your provider number and the service type, and upload your receipt.
- Send in a claims form. Fill out a claims form, attach fully itemised receipts and send in to CBHS for processing.
For hospital claims it depends on the situation:
- For medical services provided in a hospital, day surgery, private emergency facility, or doctor’s room as a non-admitted patient, you need to submit claims to Medicare directly.
- If you are an admitted hospital patient in an agreement private hospital, it may bill CBHS directly. You will need to pay any applicable excess or co-payment to the hospital itself.