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CBHS Member’s Extra Health Cover

Choose from 3 levels of Extras cover and tailor your policy to your needs with CBHS Member's Extra Health Cover

CBHS is a restricted health fund for Commonwealth Bank employees and family members, giving you a range of benefits that you might not find elsewhere, as well as the advantages of getting health cover with a public, transparent not-for-profit organisation.

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.

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What extras plans does CBHS offer?

The 3 tiers of extras only cover are:

  • Essential: As the name suggests, this plan covers the essential extras like general dental, optical and other important services.
  • Intermediate: A higher level of cover that brings the benefits of major dental cover and a wider range of services with higher limits than base cover.
  • Top: High limits, with unlimited general dental cover, and a wide range of services.

You can find similar benefits with a combined hospital and extras plan, which may offer different options.

CBHS Dental cover

Preventative dental cover includes oral examinations, X-rays, plaque and calculus removal, fluoride application, mouthguards and fissure sealing, while general dental refers to fillings, consultations and examinations and tooth extractions.

Major dental is not available with essential cover and refers to periodontic and endodontic treatments, crowns and bridges, dentures and implants and occlusal therapy. It can also cover orthodontics and dental veneers, but only with top level plans.

All plans cover 70% of dental costs, up to set limits per treatment and the applicable annual or lifetime limits.

  • Essential: $210 annual per person limit on preventative dental and $170 on general dental.
  • Intermediate: $230 for preventative and $500 for general dental. $400 for major dental, but only periodontics and endodontics are covered. Crowns and bridges are also covered up to $700 per person every 5 years.
  • Top: Unlimited preventative and general dental cover, as well as $630 for periodontics, $660 for endodontics, $1,440 for inlays or veneers, $1,350 every 5 years for dentures and implants, and a $920 lifetime limit for occlusal therapy. Orthodontics has a $2,800 lifetime limit, while crowns and bridges have a 5 year limit of $3,000.

CBHS Optical cover

  • Top: $375 annual limit
  • Intermediate: $250 annual limit
  • Essential: $200 annual limit
Per service (Top)Per service (Intermediate)Per service (Essential)
Frames$140$90$70
Pair of single vision lenses$130$70$70
Pair of bifocal lenses$140$60$60
Pair of trifocal lenses$150$90$60
Pair of multifocal lenses$210$100$70
Contact lenses$220$160$140

Other services

A range of other services are covered, depending on your plan, with the range and annual limits depending on your level of cover. The per service amount will generally be the same with all levels of cover.

The following is a general breakdown of the services covered. For a more detailed look at the specific services covered you should check your product document. All extras only plans from CBHS cover 70% of the costs are covered.

Essential cover offers:

  • Physiotherapy
  • Chiropractic
  • Osteopathy
  • Dietician services
  • Natural therapies
  • Oriental therapies
  • Massage therapies
  • Blood glucose accessories
  • Non-PBS prescription medications

Intermediate cover raises the limits considerably and adds:

  • Podiatry, excluding orthotics
  • Artificial aids
  • Blood pressure monitors, nebulisers and glucometers

With Top level extras cover, you’ll also access further raised limits and:

  • Occupational therapy
  • Speech therapy
  • Clinical psychology
  • Antenatal and postnatal physiotherapy
  • Audiology
  • Eye therapy
  • Nurse home visits
  • Travel and accommodation cover
  • Hearing aids

Are there any additional benefits?

As a member’s-only plan for Commonwealth Bank employees and families, CBHS can go beyond what you might find with other plans. For example, dental veneers are a useful increasingly popular procedure that you may not be covered with most Extras plans.

In addition to this, you can also get other member bonuses such as a range of discounted health items and more.

No matter which plan you choose, you can also start getting CBHS Wellness Benefits, and Health Management benefits after a 2 month waiting period.

Wellness benefits

Covers 90% of the costs of each of the following, up to specified limits.

  • Breast examinations
  • Bone density tests
  • Skin cancer screening
  • Bowel and prostate cancer screening
  • Eye screenings

Health management

Covers 90% of the cost of each of the following, per service, up to specified limits. Note that these services need to be approved by CBHS, and may need to be part of a certified health management program.

  • Approved quit smoking programs
  • Weight management programs
  • Stress management courses
  • Yoga
  • Pilates
  • Gym membership or personal training

Limitations and waiting periods

The waiting periods are how long you need to wait after joining before you can start claiming expenses.

  • 12 months: Crowns and bridges, orthodontics, artificial aids, hearing aids, blood pressure monitors, nebulisers, glucometers
  • 6 months: Prescribed optical appliances, periodontics endodontics, dental veneers, dentures and implants, occlusal therapy
  • 2 months: Everything else under your extras plan

It’s also important to be mindful of the limits of each plan. If you know there are specific services you’d like, it can be a good idea to work out how much it might cost you under different plans and whether you’d be able to save money overall by opting for a higher level of cover.

You are able to upgrade your cover later, but new waiting periods may apply. As you get older, or develop chronic health issues, some of the Top level benefits might become much more important.


How to claim extras

There are several ways you can claim extras.

  • On the spot: If your service provider has HICAPS or iSOFT facilities, you can simply swipe your CBHS membership card on the spot, and pay any difference yourself. By visiting Choice Network providers for dental or optical services you can even avoid out of pocket costs entirely.
  • Claim online: For previously received services, just sign in to CBHS online and enter your provider number and the service type, then confirm your details. Now enter the claim and review it, then upload your receipt and hit submit. This is doable with both computers and most mobile devices.
  • Send in a claim form: Fill out a claim form, attach fully itemised receipts and send them in to CBHS for processing.

When claiming for artificial aids and health care appliances, contraceptives for non-contraceptive purposes or health management services like gym memberships you may also need to include a doctor’s referral, or ask your practitioner to fill out part of a claims form.

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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