Restricted Services and Exclusions

We help you understand what restricted and excluded services mean.

To ensure fairness and give members more choice, the products we offer vary in the benefits payable. There are three major categories of services in private health insurance: covered, restricted, or excluded.

Restricted Services

Why join us?

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?

Covered services are self-explanatory and relate to what is listed as covered on your hospital cover.

Restricted services are treatments or services that attract only partial benefits, which means you will only be partially covered for these items or services in a private hospital. As such, with restricted services you may have to pay significant out-of-pocket expenses.

Excluded services are treatments or services that do not attract any benefits from CBHS Corporate Health. As such, with excluded services you will have to pay significant out-of-pocket expenses for hospital and medical treatment or services.

Understanding which services are restricted and excluded in your cover can help you plan more effectively for a hospital stay or medical treatment. It enables you to choose the right hospital so that you can minimise your out-of-pocket expenses and be fully aware of the cost of your hospital stay.

Reach out

At CBHS Corporate Health, we’re here to help. If you have any questions or need help finding the right policy for you, contact us today.
1300 586 462 (Mon – Fri | 7am-7pm AEDT)