Peace of mind for you and your family

Get the most out of your cover with our Top Extras. This comprehensive level of cover is perfect for

Families with young kids
Mature-aged singles or couples.

  • Extras
  • What you get
  • Dental Dental *
    1. UNLIMITED preventative dental per year (2 month waiting period)
    2. UNLIMITED general dental per year (2 month waiting period)
    3. Major dental with up to 70% cover and generous overall limits (6 or 12 month waiting period depending on procedures)
  • Optical Prescribed Optical
    1. $375 annual limit and up to 70% cover on prescription glasses and frames (6 month waiting period)
  • Therapies Therapies
    1. Physio, Physiology Services, Chiro, Osteo, Hypnotherapy, Occupational Therapy, Speech Therapy, Clinical Psychology, Ante Natal / Post Natal Physio, Podiatry, Audiology, Eye Therapy, Dietitians and Exercise Physiology all covered with up to 70% cost per service benefit (2 month waiting period) aids
    2. Alternative therapies including Oriental Therapies and Massage Therapies are also covered with up to 70% cost per service benefits (2 month waiting period)
  • General Health General Health
    1. Blood glucose accessories, nurse visits at home, non-PBS drugs requiring a prescription by law, and travel & accommodation all covered with up to 70% cost per service benefits and generous annual limits (2 month waiting period and some other conditions apply)
  • Health Care Aids Health Care Aids
    1. When referred by a doctor and recognised by CBHS, you can get 70% cost per service benefit up to certain limits in any 3 year period (12 month waiting period applies)
  • Wellness Benefits Wellness Benefits ^
    1. A generous 90% cost per service benefit applies to health checks including breast examinations, bone density tests, skin cancer screening+, bowel / prostate cancer screening, eye screenings (2 month waiting period)
    2. We cover health management services like quit smoking programs, weight management programs and stress management courses (2 month waiting period)
    3. We even cover Gym Memberships as part of a Health Management program where recommended by a GP or recognised provider (2 month waiting period)

    4. * 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.

      + Examples of skin cancer screening include mole mapping or digital mole photography.

      ^ 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.
Description 70% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
Preventative Dental
Oral examinations (011, 012, 013) $35-$45 Unlimited Calendar year 2 Months
X-ray (022) $28
Removal of Plaque (111) $41
Removal of calculus (114,115) $65 - $70
Fluoride application (121) $25
Mouthguard (151,153) $130-$150
Fissure sealing (161) $34
General Dental
Fillings $81-$150 Unlimited Calendar year 2 Months
Consultation & Examinations $28-$40
X-rays $21-$60
Extraction or Surgical Dental $50-$255
Major Dental
Periodontics (gum treatment) $24-$260 $630 Calendar year 6 Months
Endodontic (root canal treatment) $7.50-$180 $660 Calendar year 6 Months
Inlays/Onlays/Facing/Veneers $260-$600 $1440 Any 5 years 6 Months
Dentures & Implants $20-$810 $1350 Any 5 years 6 Months
Occlusal therapy $17-$260 $920 Lifetime 6 Months
Orthodontia 70% $2800 Lifetime 12 Months
Crowns and Bridges $10-$720 $3000 Any 5 years 12 Months
Service 70% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
Frames $140


Calendar Year 6 Months
Single vision (pair 212) $130
Bifocal (pair) (312) $140
Trifocal (pair) (412) $150
Multifocal (pair) (512) $210
Contact lenses (852) $220
Description 70% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
Physiotherapy (Initial/Subsequent) $61/$43 $720 Calendar year 2 Months
Chiropractic (Initial/Subsequent) $61/$40 $720
Osteopathy (Initial/Subsequent) $61/$35 $720
Physiology Services (Initial/Subsequent) $35 $360
Hypnotherapy $80 $360
Occupational Therapy (Initial/Subsequent) $61/$35 $720
Speech Therapy (Initial/Subsequent) $95/$46 $1850
Clinical Psychology $30-$140 $450
Ante natal/Post natal physiotherapy 70% $105
Podiatry (excl. artificial aids: e.g. orthotics) $30-$50 $400
Audiology $60 $360
Eye Therapy $60 $455
Dietitian $15-$75 $360
Exercise Physiology (initial/subsequent) $35/$35 $360
Oriental therapies
$33 $450  Calendar year  2 Months
Acupressure, Acupuncture
Chinese Herbal Medicine Consultation, Chinese Massage,
Traditional Chinese Medicine Consultation
Massage therapies
$33 $450
Deep Tissue Massage
Lymphatic Drainage, Myotherapy, Remedial Massage
Sports Massage, Swedish Massage
Therapeutic Massage
Description 70% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
Blood Glucose Accessories 70% $320 Calendar Year 2 Months
Home visits by Registered Nurse $120 (>4 hrs) $80 (<4 hrs) $2800
Non-Pharmaceutical Benefits Scheme drugs requiring a prescription by law 100% less the current prescribed PBS co-payment for general patients up to $75 per prescription $1000
Travel & accommodation+ 50% of the cost for accommodation (shared room rate) airfare, train, bus or 15c per kilometre for car $500 Per Membership per calendar year
+ 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.
Description 70% Of the cost up to the per service benefit Overall Limit Benefit Period Waiting Period
Artificial aids $10-$1000 $1000 Any 3 years (12 month waiting period) - referred by a doctor and recognised by CBHS
Hearing aids 70% $1600
Blood pressure monitor, Nebuliser, Glucometer 70% $500

90% of the cost up to the overall limit below

Description Overall Limit Benefit Period Waiting period 
Health checks $200 Calendar year 2 months
Breast examinations (i.e. mammograms/x-rays)
Bone density tests
Skin cancer screening
Bowel/prostate cancer screening
Eye Screenings
Health management  $100  Calendar year
Quit smoking programs2
Weight management programs2
Stress management courses2
Gym membership/Personal training1 $115 ($100 sub limit on personal training)
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

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.

Other Extra Covers

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