CBHS
Registered as CBHS Health Fund Limited · fund code CBH · Restricted membership: current and past employees of Commonwealth Bank Group, franchisees, contractors, and their families.
Health insurance
CBHS sells 490 open policies with hospital cover (462 hospital-only, 28 combined with extras, counting one per state and household type) in all states, grouped below into 12 products. Premiums are monthly, before the government rebate; the table shows each product's range across the states and households it is sold to, and choosing a state and household narrows it to the exact premium.
Products
SCFP = sold to singles · couples · families · single parents
| Policy | Tier | Type | Excess / person | Co-pay | Covered | Restricted | Under-30 discount | States | S C F P | Monthly premium | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Complete Gold Hospital $0 Excess | Gold | Hospital | — | None | 38 | 0 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $223.60 – $981.54 | |
| Complete Gold Hospital $100 Co-payment | Gold | Hospital | — | Limited | 38 | 0 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $218.40 – $913.94 | |
| Complete Gold Hospital $500 Excess | Gold | Hospital | $500 | None | 38 | 0 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $208.00 – $886.90 | |
| Complete Gold Hospital $750 Excess | Gold | Hospital | $750 | None | 38 | 0 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $197.60 – $838.24 | |
| Advanced Silver Plus Hospital $500 Excess | Silver Plus | Hospital | $500 | None | 34 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $175.11 – $709.58 | |
| Advanced Silver Plus Hospital $750 Excess | Silver Plus | Hospital | $750 | None | 34 | 1 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $164.80 – $661.48 | |
| Everyday Silver Plus Hospital $500 Excess | Silver Plus | Hospital | $500 | None | 28 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $106.56 – $498.90 | |
| Everyday Silver Plus Hospital $750 Excess | Silver Plus | Hospital | $750 | None | 28 | 2 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $96.94 – $458.55 | |
| Value Bronze Plus Hospital $500 Excess | Bronze Plus | Hospital | $500 | None | 23 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $86.36 – $394.20 | |
| Value Bronze Plus Hospital $750 Excess | Bronze Plus | Hospital | $750 | None | 23 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $78.65 – $361.79 | |
| Starter Basic Plus Hospital $750 Excess | Basic Plus | Hospital | $750 | None | 7 | 3 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $75.75 – $336.18 | |
| KickStart (Basic Plus) | Basic Plus | Combined | — | Limited | 5 | 32 | Yes | All states | SCFPSingle, Couple, Family, Single parent | $157.04 – $365.21 |
A policy name opens the fund's own page for it where the fund publishes one. "Covered" links to the cover profile listing the clinical categories. Where a range remains after choosing a state and household, the fund sells several variants of the product there (for example with and without adult dependants) and the per-fund JSON has each.
Hospital cover profiles
Every product's hospital cover is one of these profiles over the 38 clinical categories. Restricted categories are paid at the minimum benefit only.
Cover profile 1 · 5 of 38 categories covered, 32 restricted, 1 not covered
Covered Bone, joint and muscle, Dental surgery, Hernia and appendix, Joint reconstructions, Tonsils, adenoids and grommets
Restricted Assisted reproductive services, Back, neck and spine, Blood, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Weight loss surgery
Not covered Podiatric surgery (provided by a registered podiatric surgeon)
Products KickStart (Basic Plus) (Basic Plus, combined)
Cover profile 2 · 7 of 38 categories covered, 3 restricted, 28 not covered
Covered Bone, joint and muscle, Dental surgery, Ear, nose and throat, Gastrointestinal endoscopy, Hernia and appendix, Joint reconstructions, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Back, neck and spine, Blood, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Eye (not cataracts), Gynaecology, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Skin, Sleep studies, Weight loss surgery
Products Starter Basic Plus Hospital $750 Excess (Basic Plus, hospital)
Cover profile 3 · 23 of 38 categories covered, 3 restricted, 12 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Hernia and appendix, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care, Rehabilitation
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Heart and vascular system, Implantation of hearing devices, Insulin pumps, Joint replacements, Pain management with device, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Weight loss surgery
Products Value Bronze Plus Hospital $500 Excess (Bronze Plus, hospital); Value Bronze Plus Hospital $750 Excess (Bronze Plus, hospital)
Cover profile 4 · 28 of 38 categories covered, 2 restricted, 8 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Joint reconstructions, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services, Palliative care
Not covered Assisted reproductive services, Cataracts, Dialysis for chronic kidney failure, Insulin pumps, Joint replacements, Pain management with device, Pregnancy and birth, Weight loss surgery
Products Everyday Silver Plus Hospital $500 Excess (Silver Plus, hospital); Everyday Silver Plus Hospital $750 Excess (Silver Plus, hospital)
Cover profile 5 · 34 of 38 categories covered, 1 restricted, 3 not covered
Covered Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets
Restricted Hospital psychiatric services
Not covered Assisted reproductive services, Pregnancy and birth, Weight loss surgery
Products Advanced Silver Plus Hospital $500 Excess (Silver Plus, hospital); Advanced Silver Plus Hospital $750 Excess (Silver Plus, hospital)
Cover profile 6 · 38 of 38 categories covered, 0 restricted, 0 not covered
Covered Assisted reproductive services, Back, neck and spine, Blood, Bone, joint and muscle, Brain and nervous system, Breast surgery (medically necessary), Cataracts, Chemotherapy, radiotherapy and immunotherapy for cancer, Dental surgery, Diabetes management (excluding insulin pumps), Dialysis for chronic kidney failure, Digestive system, Ear, nose and throat, Eye (not cataracts), Gastrointestinal endoscopy, Gynaecology, Heart and vascular system, Hernia and appendix, Hospital psychiatric services, Implantation of hearing devices, Insulin pumps, Joint reconstructions, Joint replacements, Kidney and bladder, Lung and chest, Male reproductive system, Miscarriage and termination of pregnancy, Pain management, Pain management with device, Palliative care, Plastic and reconstructive surgery (medically necessary), Podiatric surgery (provided by a registered podiatric surgeon), Pregnancy and birth, Rehabilitation, Skin, Sleep studies, Tonsils, adenoids and grommets, Weight loss surgery
Products Complete Gold Hospital $0 Excess (Gold, hospital); Complete Gold Hospital $100 Co-payment (Gold, hospital); Complete Gold Hospital $500 Excess (Gold, hospital); Complete Gold Hospital $750 Excess (Gold, hospital)
Extras profiles
Extras profile 1 · 14 services
Services Acupuncture, Chinese herbal medicine, Chiropractic, General dental, Dietetics, Endodontic, Health management programs, Non-PBS pharmaceuticals, Optical, Osteopathy, Physiotherapy, Psychology, Remedial massage, Vaccinations
Products KickStart (Basic Plus) (Basic Plus, combined)
Waiting periods
- Waiting profile 1: pre-existing conditions 12 months, pregnancy and birth 12 months, sub-acute care 2 months, other 2 months (5 products)
- Waiting profile 2: pre-existing conditions 12 months, sub-acute care 2 months, other 2 months (7 products)
Data
This section is built from the Private Health Insurance Ombudsman's monthly policy data release. The same records are published as JSON, each row naming the release file it came from:
/au/insurance/health/v1/funds/cbhs.json: this fund, every policy row and the cover, waiting-period and extras profiles./au/insurance/health/v1/policies/<STATE>.json: every fund's policies sold in a state (NSW, VIC, QLD, SA, WA, TAS, NT)./au/insurance/health/v1/cheapest.json: the cheapest policies per state, household and tier./au/insurance/health/v1/index.json: dataset index, including every per-fund file.
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