Your choice, your Extras

Your health cover can suit your lifestyle. Find the Extras cover that will give you benefits for the services you want.

  • A basic extras cover for those who maintain a healthy lifestyle and are only seeking the essentials at an affordable price.

  • A mid-level of extras cover providing benefits for popular general services and treatments required for day-to-day health management.

  • Top Extras offers attractive overall limits, designed for those who are seeking security for an extensive range of services.

Dental *

  • Oral exams
  • Removal of plaque
  • Removal of calculus
  • Fluoride application
  • Mouthguard
  • Fissure sealing
  • Fillings
  • Consultations and examination
  • X-rays
  • Extractions or surgical dental
  • Periodontic (gum treatment)
  • Endodontic (root canal treatment)
  • Inlays/Onlays/Facing
  • Dentures & implants
  • Occlusal therapy
  • Orthodontia
  • Crowns and bridges

* Benefits are not payable for Do-It-Yourself (DIY) dentistry including whitening kits, aligners and occlusal splints. Please contact us to confirm whether a benefit is payable.

Prescribed optical

  • Frames
  • Single vision
  • Bifocal
  • Trifocal
  • Multifocal
  • Contact lenses


  • Physiotherapy
  • Chiropractic
  • Osteopathy
  • Occupational therapy
  • Speech therapy
  • Clinical psychology
  • Ante natal/ post natal physiotherapy
  • Podiatry (excludes artificial aids e.g. orthotics)
  • Audiology
  • Eye therapy
  • Dietitian
  • Oriental therapies
  • Massage therapies

General health

  • Blood glucose accessories
  • Home visits by registered nurse
  • Non-Pharmaceutical Benefits Scheme drugs requiring a prescription by law
  • Travel and accommodation

+ Travel is only payable for a patient who requires essential medical and dental treatment, where it is not available at a facility within a 160 km round trip of the member's home. In order to claim travel a patient must be visiting a specialist and will require a referral letter. Excludes Ronald McDonald house.

Health care aids

  • Artificial aids
  • Hearing aids
  • Blood pressure monitor, nebuliser, glucometer

Wellness benefits ^

  • Breast examinations (i.e. mammograms/x-rays)
  • Bone density tests
  • Skin cancer screening
  • Bowel/prostate cancer screening
  • Eye screenings
  • Quit smoking programs 2
  • Weight management programs 2
  • Stress management courses 2
  • Gym membership/Personal training 1

1 CBHS can only pay a benefit for gym membership/personal trainer where the gym/personal trainer service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer program is a health management program. Approval form is available from CBHS. Please note that GP consultations are not covered by CBHS. 2 Must be approved by CBHS

^ CBHS provides benefits towards scans, screenings and tests, where members take a pro-active way to manage their health, but only where these do not attract a benefit from Medicare. We are only able to pay a benefit for selected scans, screenings and tests when they are NOT covered by Medicare. Your GP or provider will be able to advise you if your scan, screen or test, meets Medicare’s criteria for benefits.

Benefit Periods, Per Service Benefits and Extras Waiting Periods... Made Simple

  • Each service we give a benefit on has an associated overall limit, sometimes an annual, multi-year or lifetime benefit period and a waiting period.
  • Once you’ve been a CBHS member and served the relevant waiting period, you can claim benefits on services covered under your policy. In some instances, there’s a limit to how much you can claim (e.g. preventative dental is unlimited while major dental has a limit).
  • A benefit is not payable in respect of a service that was rendered to a Member if the services can be claimable from any other source.

What Our Members Think

I joined as a CBHS member in 1978. Through many health events and challenges CBHS has always been there for me and my family. Their exceptional service over this time has always been appreciated.

- Jenny J

What Our Members Think

I've not long joined CBHS from another fund, but so far I've been impressed by the super helpful and friendly staff, the higher claim limits and rebates at a very competitive premium, and how easy it is to lodge manual claims through the app. Thanks CBHS - you've won me over! 😃

- Jessica B

What Our Members Think

What I love about CBHS is their customer service - friendly staff and always ready to help and email you the information you ask about. Keep up the great work!!!

- Linda S

What Our Members Think

I love CBHS as its so so easy to lodge a claim and whenever i need a question answered friendly consultant is one phone call away. The phone back option instead of waiting is brilliant!

- Rachel N

What Our Members Think

I have been with CBHS since I began at CBA 15 years ago...Now I have three beautiful children, one who has a disability. Our top extras cover has been really essential for his early intervention. I do love the ease of claiming online.

- Annette E

What Our Members Think

I am relatively new to CBHS and am loving it already. I worked for a CBA subsidiary a long time ago but was still eligible to join. So much better that the for-profit funds - our premium is only a little more and we pay a lower co-contribution and get great benefits. I am loving the massage rebate for my partner and gym rebate for me!

- David G

What Our Members Think

I'm extremely happy with CBHS! I have been a customer for about six years. I think the price is reasonable. And i would refer you to my family and friends any day. Thank you CBHS!!!

- Karen W

What Our Members Think

Love CBHS as I never have to doubt that they've got my back when I need it. Been through other insurers who have limited options or limits, yet cost the same or more.

- Mark F


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