Four product tiers
- Psychiatric care
- Palliative care
- Joint reconstruction
- Ear, nose, and throat
- Male reproductive system
- Heart and vascular
- Back, neck and spine
- Joint replacement
- Pregnancy and birth
Health funds have the discretion to provide cover for additional services on Silver, Bronze and Basic products. These are known as ‘Plus’ products. For example – Bronze Plus covers all minimum services for the Bronze tier, plus additional services selected by the fund.
Why isn’t there a Gold Plus tier? Gold products are the highest level of cover available. Gold products must offer all services on an unrestricted basis.
As part of the Reforms, the Government created a new list of clinical categories. Health funds must all use the same clinical definitions when they refer to these categories, to make it easier for you to understand what you’re covered for.
The list of standard clinical categories is consumer-friendly and easy to understand.
Each CBHS Corporate Health product is now categorised as Gold, Silver, Bronze or Basic. Most CBHS Corporate Health products moved seamlessly into the new tiers and they cover more services than the Government’s minimum standards. In some cases, there were products that required some changes to the services covered. We notified any impacted members about this.