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CBHS Hospital and Extras Cover

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.

CBHS is a restricted health fund, meaning that only current and former employees of the Commonwealth Bank Group and their families are eligible to join.

Compare the policy options offered by CBHS Health Fund

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

FlexiSaverKickStartStepUpPrestige
Excess/co-payment$500 excess$70 co-payment$70 co-paymentNone
Hospital accommodation
  • yes
  • yes
  • yes
  • yes
No-waiting-period accident cover
  • yes
  • yes
  • yes
  • yes
Access gap cover with participating providers
  • yes
  • yes
  • yes
  • yes
Gap Assist, annual benefits for gap expenses
  • no
  • no
$100$200
Theatre and labour ward fees
  • no
  • no
  • yes
  • yes
Best Doctors scheme access
  • no
  • no
  • no
  • yes
Emergency ambulance cover
  • yes
  • yes
  • yes
  • yes

 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.
FlexiSaverKickStartStepUpPrestige
Knee, hip and shoulder investigation and reconstruction
  • yes
  • yes
  • yes
  • yes
Wisdom teeth, tonsil, adenoid and appendix removal
  • yes
  • yes
  • yes
  • yes
Kidney and gallstone removal
  • no
  • restricted
  • yes
  • yes
Colonoscopies and gastroscopies
  • no
  • restricted
  • yes
  • yes
Cancer treatments
  • no
  • restricted
  • yes
  • yes
Brain surgery
  • no
  • restricted
  • yes
  • yes
Back surgery (eg, spinal fusion)
  • no
  • restricted
  • yes
  • yes
Cochlear implant surgery
  • no
  • restricted
  • yes
  • yes
Insulin pump treatments
  • no
  • restricted
  • yes
  • yes
Renal dialysis
  • no
  • restricted
  • yes
  • yes
Major eye surgery
  • no
  • restricted
  • yes
  • yes
Hip and knee joint replacements
  • no
  • restricted
  • restricted
  • yes
Other joint replacements
  • no
  • restricted
  • restricted
  • yes
Pregnancy related
  • no
  • restricted
  • yes
  • yes
Assisted reproductive
  • no
  • restricted
  • yes
  • yes
Heart and lung related procedures
  • no
  • restricted
  • restricted
  • yes
Bariatric and weight loss surgery
  • no
  • restricted
  • restricted
  • yes
Psychiatric
  • restricted
  • restricted
  • restricted
  • yes
Rehabilitation
  • restricted
  • restricted
  • restricted
  • yes
Palliative care
  • restricted
  • restricted
  • restricted
  • yes
Sterilisation and reversal
  • no
  • restricted
  • restricted
  • yes
Plastic and reconstructive surgery
  • no
  • restricted
  • restricted
  • yes
Cosmetic procedures
  • no
  • no
  • no
  • no
Non-Medicare services
  • no
  • restricted
  • restricted
  • restricted
All Medicare services
  • no
  • restricted
  • yes
  • yes

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%)
Preventative dental
  • yes
UnlimitedUnlimitedUnlimited
General dental
  • yes
  • yes
$350Unlimited
Periodontic
  • no
  • yes
  • yes
  • yes
Endodontic
  • no
  • yes
  • yes
  • yes
Inlays, onlays and veneers
  • no
  • no
  • yes
  • yes
Dentures and implants
  • no
  • no
  • yes
  • yes
Occlusal therapy
  • no
  • no
  • yes
  • yes
Crowns and bridges
  • no
  • no
  • yes
  • yes
Orthodontics
  • no
  • no
  • yes
  • yes
Optical
  • yes $150
  • yes $230
  • yes $250
  • yes $450

 Therapies and other extras

FlexiSaverKickStartStepUpPrestige
Physiotherapy
  • yes
  • yes
  • yes
  • yes
Chiropractic
  • no
  • yes
  • yes
  • yes
Osteopathy
  • no
  • yes
  • yes
  • yes
Occupational therapy
  • no
  • no
  • yes
  • yes
Speech therapy
  • no
  • no
  • yes
  • yes
Clinical psychology
  • no
  • yes
  • yes
  • yes
Antenatal and postnatal
  • no
  • no
  • yes
  • yes
Hypnotherapy
  • no
  • no
  • no
  • yes
Podiatry (no orthotics)
  • no
  • no
  • yes
  • yes
Audiology
  • no
  • no
  • no
  • yes
Eye therapy
  • no
  • no
  • no
  • yes
Dietician
  • no
  • yes
  • yes
  • yes
Natural therapies
  • no
  • yes
  • yes
  • yes
Oriental therapies
  • no
  • yes
  • yes
  • yes
Massage therapies
  • no
  • yes
  • yes
  • yes
Blood glucose accessories
  • no
  • yes
  • yes
  • yes
Non-PBS medication
  • no
  • yes
  • yes
  • yes
Artificial aids
  • no
  • no
  • yes
  • yes
Hearing aids
  • no
  • no
  • no
  • yes
Blood pressure monitor, glucometer, nebuliser
  • no
  • no
  • no
  • yes

 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.

Andrew Munro

Andrew writes for finder.com.au, comparing products, writing guides, sniffing out deals and looking for new ways to help people get the most out of their money.

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