What it means for you


The Minister for Health, the Hon Greg Hunt MP, announced a series of reforms on 13 October 2017 to make private health insurance simpler and more affordable for Australians. CBHS fully support the objectives of the reforms.

To help you understand what these reforms mean for you and your health cover, we've created a short video explaining the basics of what you need to know.

Frequently asked questions - the Government's PHI Reforms initiative

When will you let me know about changes to my cover?

In late January you will receive a letter or email, depending on your contact preferences, outlining any changes to your Hospital or Extras policy.

What can I do if I am unhappy about the changes?

We have made every effort to limit the number of changes being made to your cover. However, if we are required by legislation to do so (for example, the removal of natural therapies) we have no choice but to comply with the requirement. When you receive the detailed outline of the changes to your cover, please contact our Member Care team if you would like to discuss your concerns.

What is changing with natural therapies?

A recent review undertaken by the National Health and Medical Research Council found there was no clear evidence of the effectiveness of some natural therapies. As a result, from 1 April 2019, health funds are no longer permitted to cover the following services:

  • Alexander technique
  • Buteyko
  • Homeopathy
  • Naturopathy
  • Aromatherapy
  • Feldenkrais
  • Iridology
  • Pilates
  • Bowen therapy
  • Herbalism
  • Kinesiology
  • Reflexology
  • Rolfing
  • Shiatsu
  • Tai chi
  • Yoga

What is the change to excess levels?

From 1 April 2019, CBHS will offer an increased $750 excess for singles and $1500 excess for couples and families on selected health cover. This may allow you to reduce your premiums on certain health cover.

What changes are happening to the private health website?

The Private Health Insurance website privatehealth.gov.au will be redeveloped to better assist consumers to compare and choose products that best meet their needs.

How are Gold/Silver/Bronze/Basic product tiers going to work?

CBHS will introduce these product tiers from 1 April 2019 in line with legislative requirements. We will offer additional coverage in our Basic, Bronze and Silver tiers.

Consumers face difficulty in trying to compare private hospital insurance products. They also find it difficult to understand what services different products do, and do not, cover.

The new product tiers will give consumers greater certainty about the services covered by each type of hospital treatment product and will make it easier to shop around and compare different hospital treatment products to find one that meets individual needs.

Are CBHS offering discounts for young Australians aged 18 – 29?

Private health insurance reforms now permit health funds to offer discounts to younger members. To encourage young eligible Australians to join CBHS and to maintain the long-term sustainability of the fund, we will be offering discounts on Hospital policies where the main member or their partner are aged 18 – 29. For existing members, if this applies to you the relevant discount will automatically be applied from 1 April 2019.