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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.

  • CBHS Corporate Health
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  • Premium Package (Gold)

Premium Package (Gold)

Premium level of cover
Premium Package (Gold) is our highest level of combined cover, offering an extensive range of hospital services and generous Extras benefits to help you get the most out of life.
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    Premium Package (Gold) hospital cover will cover you for:

    • Accommodation for overnight, same day and intensive care covered for private or shared room in agreement private and public# hospitals
    • Theatre and labour ward fees covered in agreement private hospitals (excluding restricted services*) 
    • Medical expenses related to providers for services while admitted in hospital e.g. fees from doctors, surgeons, anaesthetists, radiologists, pathology, imaging etc. Covered for all services eligible for benefits from Medicare up to Medicare Benefits Schedule (MBS) fee. You can choose your 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 under an arrangement with 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 
    • Pharmacy covers most drugs related to the reason for your admission in agreement private hospitals 
    • Boarder accommodation covers 100%, up to $160 per admission, if not included in hospital agreement. This applies to a member assisting with the care of another member on the same membership.
    • Emergency ambulance transport for an accident or medical emergency by approved ambulance providers 
    • Hospital Services where a Medicare benefit is payable (excluding restricted services*) 
    • 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. 

    Gap Assist

    To further help you reduce your out-of-pocket expenses as a result of hospitalisation, Prestige also includes a medical gap benefit called Gap Assist, $200 per person per calendar year towards out-of-pocket expenses.


    #All hospital services provided in a public hospital are eligible for Minimum Default Benefits. These benefits are stipulated by the Department of Health and listed in the relevant Private Health Insurance (Benefit Requirement) Rules. Some hospitals may charge above the Minimum Default Benefit for shared room accommodation. Please note that fees charged in excess of Minimum Default Benefits are an out-of-pocket expense and are not eligible for reimbursement under CBHS policies. 

    *A benefit is not payable for services that can be claimed from any other source. 

    What's partially covered 

    *Restricted Benefits (Services) not fully covered

    The services listed below, when provided in a private hospital, are eligible for Minimum Default Benefits prescribed by private health insurance legislation. These benefits relate to hospital bed charges and are unlikely to cover the fees charged for a private hospital admission. Members may incur large out of pocket expenses for theatre fees together with the difference between the Minimum Default Benefit and the bed charge raised by the hospital.

    The services listed below are also eligible for hospital benefits in a public hospital at a shared room rate. Public hospitals do not raise charges for theatre use.

    • Podiatric surgery (provided by a registered podiatric surgeon)1 
    • Services for which a Medicare benefit is NOT payable

    1Indicates benefits for accommodation at Minimum Benefits in relevant PHI (Benefit Requirements) Rules and medical devices and human tissue products benefits based on items listed by the Department of Health and Aged Care. No benefit for medical or theatre costs. 

    If a member is admitted into a non-agreement private hospital, benefits are payable only at the minimum rate specified by law. These benefits may only provide a benefit similar to a public hospital shared room rate. These benefits may not be sufficient to cover admissions in a non-agreement private hospital.  

    Premium Package (Gold) hospital cover will not cover you for: 

    • Hospital services received within policy waiting periods 
    • Nursing home type patient contribution, respite care or nursing home fees 
    • Take home/discharge drugs (non-PBS drugs may be eligible for benefits from your Extras cover) 
    • 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 
    • Ambulance transfers between hospitals (for residents in VIC, SA and NT). 

    Exclusions: 

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

    The following services are excluded from this cover: 

    • Cosmetic services 
    There is no Excess payable for hospital admission on Premium Package.

    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.

    Extras waiting periodCalendar months
    Periodontics, endodontics, inlays, onlays, facings, veneers, occlusal therapy, dentures, implants, crowns, bridges, orthodontia, artificial aids, healthcare appliances, oxygen apparatus and hearing aids12 months
    Prescribed optical appliances6 months
    All other services2 months
    Description Overall limit
    Legend
    • 3Benefit period over any 3 years.
    • 5Benefit period over any 5 years.
    • 7Lifetime benefit.
    • 8Benefit per membership per year.
    • 9Benefits are 90% of the cost up to maximum category limit.
    Preventative Dental * (2 months waiting period)Examples of maximum claimable amount per serviceOverall LimitBenefit Period
    Oral examinations (011, 012, 013)$36-$45UnlimitedCalendar year
    X-ray (022)$28
    Removal of plaque (111)$41
    Removal of calculus (114,115)$68-$70
    Fluoride application (121)$27
    Mouthguard (151,153)$130-$150
    Fissure sealing (161)$34
    General Dental * (2 months waiting period)
    Fillings$81-$150UnlimitedCalendar year
    Consultation & Examinations$35-$40
    X-rays$42.80-$60
    Extraction or Surgical Dental$50-$255
    Major Dental * (12 months waiting period)
    Periodontics (gum treatment)$30-$260 $700Calendar year
    Endodontic (root canal treatment)$7.50-$180$700
    Inlays/Onlays/Facing/Veneers$260-$600$1440Any 5 years
    Dentures & Implants$20-$810$1500
    Crowns and Bridges$60-$750$3500
    Occlusal therapy$17.50-$260$920Lifetime
    Orthodontia100%$3200

     

    * Benefits are not payable for Do-It-Yourself (DIY) dentistry including whitening kits, aligners and occlusal splints. Please contact us to confirm whether a benefit is payable.

    Prescribed Optical
    (6 months waiting period)
    Examples of maximum claimable amount per serviceOverall LimitBenefit Period
    Frames$140$450Calendar year
    Single vision (pair 212)$130
    Bifocal (pair) (312)$140
    Trifocal (pair) (412)$150
    Multifocal (pair) (512)$210
    Contact lenses (852)$220

     

    Therapies
    (2 months waiting period)
    Examples of maximum claimable amount per serviceOverall LimitBenefit Period
    Physiotherapy (Initial/Subsequent)$61/$43$900Calendar year
    Chiropractic (Initial/Subsequent)$61/$40$1000
    Osteopathy (Initial/Subsequent)$61/$35
    Hypnotherapy$80$360
    Occupational Therapy (Initial/Subsequent)$61/$35$800
    Speech Therapy (Initial/Subsequent)$95/$46$1850
    Clinical Psychology (Initial/Subsequent)$140/$80$500
    Ante natal/Post natal physiotherapy100%$105
    Podiatry (excludes artificial aids e.g. orthotics, which are covered under artificial aids) (standard consult)$35$400
    Audiology$60$360
    Eye Therapy$60$455
    Dietitian (Initial/Subsequent)$75/$42$360
    Exercise Physiology (Initial/Subsequent)$35/$35$360
    Alternative Therapies
    (2 months waiting period)
    Oriental therapies$33$1000Calendar year
    Acupressure, Acupuncture, Chinese Herbal Medicine Consultation, Chinese Massage, Traditional Chinese Medicine Consultation
    Massage therapies
    Deep Tissue Massage, Lymphatic Drainage, Myotherapy, Remedial Massage, Sports Massage, Swedish Massage, Therapeutic Massage

     

    General Health (2 months waiting period)Examples of maximum claimable amount per serviceOverall LimitBenefit Period
    Blood Glucose Accessories100%$320Calendar year
    Home visits by Registered Nurse$120 (>4 hrs)
    $80 (<4 hrs)
    $2800
    Non-Pharmaceutical Benefits Scheme drugs requiring a prescription by law100% less the current prescribed PBS co-payment for general patients up to $150 per prescription$1000
    Travel & accommodation+100% of the cost for accommodation (shared room rate) airfare, train, bus or 15c per kilometre for car$500Per Membership per calendar year

     

    + Travel is only payable for a patient who requires essential medical and dental treatment, where it is not available at a facility within a 160 km round trip of the member's home. In order to claim travel a patient must be visiting a specialist and will require a referral letter. Excludes Ronald McDonald house.

    Health Care Aids (12 months waiting period)Examples of maximum claimable amount per serviceOverall LimitBenefit Period
    Artificial aids
    $12-$1500
    $1500
    Any 3 years
    Hearing aids
    100%
    $2200
    Blood pressure monitor, Nebuliser, Glucometer
    100%
    $500

     

    Wellness Benefits ^
    (2 months)
    Overall LimitBenefit Period
    100% of the cost up to the overall limit below
    Health Checks$300Calendar year
    Breast examinations (i.e. mammograms/x-rays)
    Bone density tests
    Skin cancer screening*
    Bowel/prostate cancer screening
    Eye Screenings
    Health Management $200 Calendar year
    Quit smoking programs1
    Weight management programs1
    Stress management courses1
    Gym membership/Personal training2$230 ($200 sub limit on personal training)

    * Examples of skin cancer screening include mole mapping or digital mole photography.
    ^ CBHS Corporate Health provides benefits towards scans, screenings and tests, where members take a pro-active way to manage their health, but only where these do not attract a benefit from Medicare. We are only able to pay a benefit for selected scans, screenings and tests when they are NOT covered by Medicare. Your GP or provider will be able to advise you if your scan, screen or test, meets Medicare’s criteria for benefits.
    1 Must be approved by CBHS Corporate Health.
    2 CBHS Corporate Health can only pay a benefit for gym membership/personal trainer where the gym/personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. Approval form is available from CBHS Corporate Health. Please note that GP consultations are not covered by CBHS Corporate Health.

    Each group of services within Extras and Package covers have an overall limit on the amount you can claim. Most limits are based on per person per calendar year, unless otherwise stated in our Extras table.

    Benefits which attract a 3 and 5 year period are entitled to have the benefit renewed on the same date which the service was performed respectively.

    Benefits which attract a 'lifetime' period; lifetime means the period commencing on the date the member was first insured and ceases to be insured by CBHS Corporate Health (irrespective of any suspension of membership or other period without cover).

    Most CBHS Corporate Health Extras benefits are subject to a Per Service Benefit. Generally, the maximum benefit for an individual Extras service is 100% of the service fee up to a Per Service Benefit within the overall category limit.

    Supporting Information

    Refer to the Premium Package (Gold) product sheet to help you understand your cover and benefits.

    Disclaimer: A benefit is not payable in respect of a service that was rendered to a Member if the services can be claimable from any other source.

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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.
    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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