Base Hospital

A basic level of hospital cover designed for those who just want the basics. Base Hospital gives you the option to choose your own doctor while receiving treatment in a public hospital shared room, as a private patient.

  • Our most affordable cover
  • Covers you as a private patient in a public hospital
  • $500 excess helps keep the premium down
  • Emergency ambulance transport

Base hospital 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 shared room in a public hospital - this amount will be the minimum amount specified by applicable legislation 
  • 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. Members have their choice of doctor/surgeon in a public or private hospital. CBHS Corporate Health will cover the difference between the Medicare benefit and the MBS fee for services provided as an admitted patient to a hospital
  • Access Gap Cover is where a provider chooses to participate under an arrangement with the fund. CBHS Corporate Health covers 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 prostheses to at least the minimum benefit specified in the prosthesis list issued under Private Health Insurance legislation
  • Emergency ambulance transport for an accident or medical emergency by approved ambulance providers
  • 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 a member is admitted to a private hospital under Base Hospital cover members may only receive benefits similar to a public hospital shared room rate which can result in substantial out-of-pocket expenses.

Download Base Hospital Product Sheet

 When deciding if this product is right for you, please refer to the CBHS Corporate Health Health Benefit Fund Rules. This information should be read carefully and retained.