
Get exclusive healthy living offers and guides
Straight to your inbox
Updated
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Cessnock District Health Benefits Fund has been looking after the private health insurance needs of its members for more than 60 years. Cessnock District Health Fund is based in Cessnock and offers an extensive range of benefits to policyholders and aims to provide high-quality cover at the lowest premium possible.
With an aim to deliver health services at an affordable price, Cessnock District Health Benefits Fund offers a range of policy options for singles, couples and families. Its goal is to keep you healthy and help you save money on your private health insurance.
The fund offers four hospital only cover options ranging from basic through to comprehensive, with some policies available with a choice of excess to help you enjoy lower premiums. Extras Only cover and Ambulance Only cover are also available, while there are five combined policy options available for those who want a broader range of private health benefits.
If you’d like to get in touch with Cessnock District Health Benefits Fund to discuss the possibility of joining, you can contact the fund via phone, email or fax.
If you want hospital only cover you can choose from the following options from Cessnock District Health Fund:
When it comes to extras cover, Cessnock District Health Benefits Fund provides the following:Extras Only.
Finally, those who want cover for both hospital and extras should consider the following combined policies:
Cessnock District Health Fund will not pay your claim in a range of circumstances, including if:
Whether you choose to join Cessnock District Health Fund or another private health fund, you should be aware that there are waiting periods that apply to your cover.
Example: While you will only need to wait two months to access most hospital and extras benefits, there are some services (such as obstetrics and treatment for pre-existing conditions) that will require you to serve a 12-month waiting period.
Depending on your Cessnock District Health Fund policy, when you are admitted to hospital you may have to contribute to the overall cost of your hospital stay by paying an excess. This amount is not affected by the number of days for which you are hospitalised and some policies do not require you to pay an excess at all. For example, Top Hospital Cover is available with a $0, $250 or $500 excess, with a higher excess resulting in cheaper premiums.
Another point to remember is that some policies only charge an excess a maximum of once per year, while others charge an excess each time you are admitted to hospital.
Cessnock District Health Fund aims to make the claims process as easy as possible for members. While hospitals and doctors will send most medical and hospital bills straight to Cessnock District Health Fund, when you need to make an extras claim you can get in touch with the fund by phone, email or fax, or visit its branch in Vincent Street, Cessnock.
Cessnock District Health Fund offers a range of competitive health cover options for its members, but make sure to read all the policy documents closely so you know exactly what is and isn’t covered. It’s also sensible to compare all your policy options before you choose the right health fund for your needs.
Find out how much a colonoscopy costs in Australia and how you can avoid paying heaps.
Find out how much veneers cost in Australia and how you can avoid being hit with a big bill.
Find out how much dentures cost in Australia and how you can get cover with mid-level health insurance.
$100,000 life insurance policies can be very affordable. Compare costs and cover here.
A lockdown binge saw Aussies splash out $2 billion more on alcohol this year, according to Finder’s analysis of Australian Bureau of Statistics (ABS) data.
No need to get in a spin – washing machine insurance has you and your clothes washer covered.
Find out more about the costs of egg freezing and how to get cover.
Find out how to get cheap health insurance for young people.
A single IVF treatment typically costs over $8,000 in Australia. Here’s how Medicare and private health insurance can help.
Get an introductory rate of 7.9% p.a. on purchases and balance transfers for 6 months and save with an ongoing $0 annual fee with the Health Professionals Bank Credit Card.
Get cover to suit your budget and lifestyle.
Great offers, promos, and deals for today.
Hospital, extras, or neither? Find out in 1-minute.
Compare visa-compliant OVHC today.
Do your funds have a gap payment as well as the excess?
Hi Penny,
Thank you for your comment.
Upon checking, Cessnock District Health Benefits Fund have agreements with private hospitals across Australia, plus No Gap and Known Gap policies. This means that if there is a gap to pay, you will always know exactly how much this will amount to.
As for the excess, you may have to contribute to the overall cost of your hospital stay by paying an excess when you are admitted to hospital and this depends on your Cessnock District Health Fund policy.
Still, it would be best to contact CDH directly for details.
Regards,
Jhezelyn