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CBHS Members Health Fund Hospital Cover

Receive high-inclusion hospital cover for employees of the CBA Group with CBHS insurance.

CBHS is a not-for-profit corporate fund that provides cover to CBA group employees and their family members. It offers four different tiers of hospital policies, depending on what treatments you need to be covered.

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.
Top 3 features
  1. Good for reasonable coverage. The Bronze and Silver hospital plans cover you for more than most equivalent-tier plans do, including back, neck and spine, hearing device implantation, insulin pumps, and more.
  2. Beware of eligibility. Not everyone can take out a CBHS health plan - you or a family member must be a current or former employee of the CBA group, a CBA group franchisee, or a CBA group contractor.
  3. Beware of co-payments. Unlike many hospital plans, CBHS charges a co-payment on most of their plans instead of an excess. This means that rather than paying a flat fee upon entering hospital, you pay per day you spend at the hospital. This can end up being more expensive than an excess for extended stays.

What hospital cover is available?

CBHS offers four different types of hospital cover:

  • Basic Plus. This is entry-level cover. It gives restricted benefits on Medicare-approved services in a shared room in a public hospital.
  • Bronze Plus (Limited). This covers you for a basic range of treatments as a private patient in a public hospital or a partnered private hospital. Includes theatre fees and accommodation, with a choice of daily co-payment for up to the first six days spent in hospital.
  • Silver Plus (Active). This covers you for a wider range of treatments than Bronze Plus. It still has a small number of exclusions, and includes a $100 co-payment for the first six days you spend in hospital
  • Gold (Comprehensive). This is CBHS's top level of cover. It has no restrictions or exclusions for treatment of standard procedures at hospital. It provides a choice between one of three co-payments or a $750 excess.
FeatureBasic PlusBronze PlusSilver PlusGold
Private hospital access
Accident treatment
Tonsils, adenoids, grommetsRestricted
Joint reconstructionsRestricted
Hernia and appendixRestricted
Dental surgeryRestricted
Bone, joint and muscleRestricted
Brain and nervous systemRestricted
Kidney and bladderRestricted
Chemotherapy/cancer treatmentRestricted
Gynaecology/male reproductive systemRestricted
Back, neck and spineRestricted
Heart and vascular systemRestricted
Lung and chestRestricted
Pregnancy and birthRestricted
Assisted reproductive servicesRestricted
Joint replacementsRestricted
Weight loss surgeryRestricted

Other benefits of CBHS Hospital Cover

In addition to the benefits outlined above, CBHS members receive the following:

  • Optical discounts. Members of CBHS get discounts at a range of optical providers, including OPSM, Specsavers, and more.
  • Better Living programs. If you suffer from a chronic illness, you could be eligible to receive free additional coaching and support from CBHS.
  • Best Doctors Network. As a CBHS member you'll have access to a network of leading health specialists to review your medical case.
  • Hospital Substitute treatment. In some cases, CBHS will help you receive treatment outside of hospital by bringing services to you.

How do the costs work?

CBHS offers both co-payment and excess options on their different hospital plans. In the case of an excess, you simply pay the fee nominated on your policy upon admission to hospital, and will be covered for any treatments included on your plan.

In the case of a co-payment, you will pay the nominated amount daily for a maximum of the first six days of your stay at hospital. During your stay at hospital, you will be covered for treatments included on your plan.

If you are being treated as a private patient in a public hospital or as a patient in a partnered private hospital, you shouldn't receive any out-of-pocket costs unless you opt for luxury services or items not included on your policy or you receive non-Medicare supported treatments.

Waiting periods and limitations

The following waiting periods apply to services before you can receive benefits for them:

  • 1 day: For accident cover and emergency ambulance.
  • 2 months: For hospital psychiatric services, rehabilitation, palliative care, and all other services not listed below.
  • 12 months: For pregnancy and birth, and pre-existing conditions.

How to make a claim

If you attend an agreement hospital or a public hospital, then the hospital can bill CBHS Corporate directly. If there are no out-of-pocket expenses at all, you might not even see a bill.

You will generally need to pay any excess or gap expenses directly to the hospital or relevant practitioner. Otherwise, if necessary, you can lodge a claim by filling out a claim form and either emailing or posting it to CBHS.

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