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At CBHS we help you manage your health challenges. We believe in offering you the services, support and tools you need to live your best life.
Our Better Living Programs are available to support eligible members towards a healthier lifestyle. Each Better Living Program is subject to its own eligibility criteria.
Contact us for more information and to confirm your eligibility for a program.

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  • Entry Hospital (Basic Plus)

Entry Hospital (Basic Plus)

Our most affordable level of cover
Hospital cover designed for those who just want the basics. Entry Hospital (Basic Plus) gives you the option to choose your own doctor while receiving treatment in a public hospital shared room, as a private patient.
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We’re a small fund, backed by a big not-for-profit.

We may be new but we’re already scoring some of the highest customer satisfaction rates in the industry. Affordable premiums, award-winning Hospital cover and an extensive range of health and wellness benefits – what’s not to like?

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    Entry Hospital (Basic Plus) will cover you for: 

    • Accommodation for overnight, same day and intensive care for a shared room in a public hospital. We will also pay an amount for accommodation in a private hospital or private room of a public hospital - this amount will be the minimum amount specified by applicable legislation.
    • Excess option available for reduced premiums. 
    • Theatre and labour ward fees are not raised in a public hospital.
    • Medical expenses related to providers for services while admitted in hospital e.g. fees from doctors, surgeons, anaesthetists, pathology, imaging, etc covered for all services eligible for benefits from Medicare up to Medicare Benefits Schedule (MBS) Fee. You have your choice of doctor/surgeon in a public or private hospital. We will cover the difference between the Medicare benefit and the MBS fee for services provided if you’re admitted to hospital.  
    • Access Gap Cover is when a provider chooses to participate in an arrangement us. We cover up to 100% of an agreed amount in excess of the MBS fee which reduces or eliminates your out-of-pocket medical expenses (i.e. surgeons, anaesthetists, pathology, imaging fees etc). 
    • Surgically implanted medical devices and human tissue products to at least the minimum benefit specified in the Prescribed List of Medical Devices and Human Tissue Products issued under Private Health Insurance legislation. 
    • Emergency ambulance transport for an accident or medical emergency by approved ambulance providers.
    • Better Living programs to help you manage your health and wellness. 
    • Hospital Substitute Treatment means the possibility of receiving rehabilitation treatment or the care of a registered nurse at home.
    Limited cover for private hospital accommodation: If you are admitted to a private hospital under Entry Hospital (Basic Plus) cover you may only receive benefits similar to a public hospital shared room rate which can result in substantial out-of-pocket expenses.

    Important note: If you have Entry Hospital (Basic Plus) you should be aware that it is possible that you will be placed on a waiting list even if you are admitted as a private patient. 

    If you are admitted into an agreement or non-agreement private hospital, benefits are payable at the minimum rate specified by law - accordingly substantial out of pocket expenses can be incurred. 

    Entry Hospital (Basic Plus) will not cover you for:  

    • Hospital services received within policy waiting periods
    • Nursing home type patient contribution, respite care or nursing home fees
    • High cost, experimental or non TGA approved drugs
    • Take home/discharge drugs (non-PBS drugs may be eligible for benefits from your Extras cover)
    • Treatments where no Medicare benefits are available
    • Aids not covered in hospital agreement (may be eligible for benefits from your Extras cover)
    • Services claimed over 24 months after the service date
    • Services provided in countries outside of Australia
    • Medical devices and human tissue products used for cosmetic procedures, where no Medicare benefit is payable
    • Labour ward fees in an agreement and non-agreement private hospital
    • Ambulance transfers between hospitals (for residents in VIC, SA and NT). 

    Exclusions

    For treatment listed as an exclusion there is no benefit payable and you will incur significant out of pocket expense for these services. Please review the exclusions on this cover and always check with CBHS Corporate Health to see if you are covered before receiving treatment.  

    The following services are excluded from this cover: 

    • Podiatric surgery (provided by a registered podiatric surgeon)
    • Cosmetic services
    • Services for which a Medicare benefit is NOT payable

    Note: Basic Plus Hospital cover is not sufficient for private hospital treatment as you may incur significant out-of-pocket expenses. 

    An excess is the amount you pay towards the cost of your hospital admission before any benefit is payable. By paying an excess you can reduce the cost of your hospital cover. Excess levels included: $500 or $750.

    When you go into hospital (same-day or overnight) you will pay the chosen excess amount directly to the hospital. The excess is only payable once per person up to a maximum of twice per couple/family membership per calendar year. Excesses apply to all members on the policy. 

    Waiting periods apply if you are new to private health insurance or if you already have cover with us or another fund, and you choose to upgrade to a higher level of cover.

    Parts of waiting periods served within one health fund can be completed in another when you transfer funds. If you upgrade your level of cover, waiting periods may apply to benefits not previously included within your original cover.

    Hospital waiting periodsCalendar months
    Pre-existing conditions* (except for hospital psychiatric services, rehabilitation and palliative care)12 months
    Pregnancy and birth12 months
    Hospital psychiatric services**, rehabilitation and palliative care2 months
    Accidents***, emergency ambulance transport1 day
    All other treatments2 months

    *If you have a pre-existing condition, a waiting period of 12 months will apply before we will pay hospital or medical benefits towards any treatment for that condition.
    **Once you have served the two-month waiting period, you can choose to upgrade your cover (once in a lifetime) and access the higher benefits for hospital psychiatric treatment associated with that cover, without serving an additional waiting period. For more details contact us on 1300 586 462 or email help@cbhscorp.com.au.
    ***Accident means an unexpected or unforeseen event caused by an external force or object resulting in an injury to the body which requires treatment by a medical practitioner, Hospital or dentist (as the context requires) but excludes pregnancy.

    Supporting Information

    Refer to the Entry Hospital (Basic Plus) product sheet to help you understand your cover and benefits.

    Disclaimer: Members with Entry level Basic Plus hospital should be aware that it is possible that you will be placed on a waiting list even if you are admitted as a private patient.

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    *Price is for single in , aged 30, with income $97,000.00 per year. Includes Australian Government Rebate on Private Health Insurance of 24.288%. Price does not include Age-based Discount and assumes no Lifetime Health Cover loading. An excess of $750.00 applies.
    Government incentives
    Learn more about how the Government interacts with your health insurance.

    Age-based discount

    More affordable hospital cover for young Australians.

    Medicare Levy Surcharge

    Calculate your Medicare Levy Surcharge based on income.

    Lifetime Health Cover

    Uncover the benefits of Lifetime Health Cover loading.

    Australian Government Rebate on private health insurance

    The Australian Government Rebate on private health insurance is designed to help cover the cost of heath cover premiums.

    Private Health Insurance Reforms

    Everything you need to know about the Government's Private Health Insurance Reforms initiative.

    More information

    If you have any questions about your tax statement you can contact our Member Services team on 1300 586 462, or email help@cbhscorp.com.au. We’re available Monday to Friday, 8am-7pm (AEST).

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    The CBHS Group acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we gather, live and work. We pay our respect to First Nations peoples and their Elders, past and present.

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