• Open
Member login
  • Workplaces
  • Individuals
    • Lifestage cover
      • Singles
      • Couples
      • Families
      • Sole parent
      • GET A QUOTE
    • Types of cover
      • Hospital cover
      • Extras cover
      • Hospital & Extras cover
      • Ambulance cover
      • Overseas health cover
      • Dependant Cover
    • Health insurance explained
      • Waiting periods
      • Restricted services
      • Medicare Benefits Schedule
      • Private Health Insurance Reforms
    • Government incentives
      • Age-based discounts
      • Lifetime Health Cover
      • Medicare Levy Surcharge
      • Australian Government Rebate
  • Member health
    • Health & wellbeing
      • About health & wellbeing
      • Healthy living
      • Events and resources
    • Get care
      • About getting care
      • Before you stay in hospital
      • Hospital in the home
      • Recovery & rehabilitation
    • Managing your health
      • Learn about managing your health
      • Services at home
    • Health services
      • Health services A-Z
      • Common procedures
      • Find a service or hospital
  • Tools & support
    • Member discounts
      • OPSM
      • Laubman & Pank Optometrists
      • Specsavers
      • Clearly
      • Eyebenefit
      • Q Optical Network
    • Handy tools
      • How to make a claim
      • Pay my bill
      • Refer a friend or family
      • Provider forms
      • Member forms
      • CBHS Corporate mobile app
      • Brochures and guides
      • Fraud and vigilance
    • Find a provider
      • Hospital search
      • Access Gap Cover
      • Choice Network provider
      • HICAPS provider search
  • Mind & body
  • Workplaces
  • Individuals
    • Lifestage cover
      • Singles
      • Couples
      • Families
      • Sole parent
    • Types of cover
      • Hospital cover
      • Extras cover
      • Hospital & Extras cover
      • Ambulance cover
      • Overseas health cover
      • Dependant Cover
    • Health insurance explained
      • Waiting periods
      • Restricted services
      • Medicare Benefits Schedule
      • Private Health Insurance Reforms
    • Government incentives
      • Age-based discounts
      • Lifetime Health Cover
      • Medicare Levy Surcharge
      • Australian Government Rebate
  • Member health
    • Health & wellbeing
      • About health & wellbeing
      • Healthy living
      • Events and resources
    • Get care
      • About getting care
      • Before you stay in hospital
      • Hospital in the home
      • Recovery & rehabilitation
    • Managing your health
      • Learn about managing your health
      • Services at home
    • Health services
      • Health services A-Z
      • Common procedures
      • Find a service or hospital
  • Tools & support
    • Member discounts
      • OPSM
      • Laubman & Pank Optometrists
      • Specsavers
      • Clearly
      • Eyebenefit
      • Q Optical Network
    • Handy tools
      • How to make a claim
      • Pay my bill
      • Refer a friend or family
      • Provider forms
      • Member forms
      • CBHS Corporate mobile app
      • Brochures and guides
      • Fraud and vigilance
    • Find a provider
      • Hospital search
      • Access Gap Cover
      • Choice Network provider
      • HICAPS provider search
  • Mind & body
GET A QUOTE Member Login
  • CBHS Corporate Health
  • Individuals
  • Restricted services

Quick Links

  • Make a claim
  • Find a provider
  • Download mobile app
  • Mind & Body

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.

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.

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).

  • Workplaces
      • Hospital cover
      • Extras cover
      • Hospital & Extras cover
      • Ambulance cover
  • Member health
      • About health & wellbeing
      • About getting care
      • Learn about managing your health
      • Mind & body
  • Tools & support
      • How to make a claim
      • Tax statements
      • Member discounts
      • Member forms
      • Pay my bill
      • Find a Provider
  • CBHS Health
  • CBHS International
  • Contact Us
  • About Us
  • Careers
  • Disputes & Complaints
  • For Providers

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.

Got a question?

No problem, we're here to help.

CareyCarey
Close
  • apple app store
  • google play store
CBHS Corporate logo
  • Glossary
  • Terms of Use
  • Privacy Policy

Copyright © 2025 CBHS Corporate Health Pty Ltd 85 609 980 896