• What's covered?
  • What's not covered
  • Waiting periods
  • Excess
  • Basic Plus 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 a private hospital or private room of a public hospital - this amount will be the minimum amount specified by applicable legislation 
    • Excess option available for reduced premiums
    • 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 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 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
    • Better Living programs to help you manage your health and wellness.
    • 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 Basic Plus Hospital cover members may only receive benefits similar to a public hospital shared room rate which can result in substantial out-of-pocket expenses.

    Important note: Members with Basic Plus hospital should be aware that it is possible that you will be placed on a waiting list even if you are admitted as a private patient.

  • Basic Plus Hospital will not cover you for:

    • If member is admitted into an agreement or non-agreement private hospital, benefits are payable at the minimum rate specified by law - accordingly substantial out of pocket expenses can be incurred
    • Hospital services received within policy waiting periods
    • Nursing home type patient contribution, respite care or nursing home fees
    • High cost, experimental or non TGA approved drugs
    • Take home/discharge drugs (non-PBS drugs may be eligible for benefits from your Extras cover)
    • Treatments where no medicare benefits are available
    • Aids not covered in hospital agreement (may be eligible for benefits from your Extras cover)
    • Services claimed over 24 months after the service date
    • Services provided in countries outside of Australia
    • Prostheses used for cosmetic procedures, where no Medicare benefit is payable
    • Labour ward fees in an agreement and non agreement private hospital
    • Ambulance transfers between hospitals (for residents in VIC, SA and NT).


    For treatment listed as an exclusion there is no benefit payable and member will incur significant out of pocket expense for these services. Please review the exclusions on this cover and always check with CBHS to see if you are covered before receiving treatment. The following services are excluded from this cover:

    • Podiatric surgery (provided by a registered podiatric surgeon)
    • Cosmetic services
    • Services for which a Medicare benefit is NOT payable

    Note: Basic Plus Hospital cover is not sufficient for private hospital treatment as you may incur significant out-of-pocket expenses.

  • Waiting periods:

    Waiting periods apply to those who are new to private health insurance or those who already have cover with CBHS or another fund, and choose to upgrade to a higher level of cover.

    Parts of waiting periods served within one health fund can be completed in another when a person transfers funds. If you upgrade your level of cover waiting periods may apply to benefits not previously included within your original cover.

    Hospital waiting period Calendar month
    Pre-existing conditions* (except for hospital psychiatric services, rehabilitation and palliative care) 12 months
    Pregnancy and birth 12 months
    Hospital psychiatric services**, rehabilitation and palliative care 2 months
    Accidents***, emergency ambulance transport 1 day
    All other treatments 2 months


    *If a member has a pre-existing condition, a waiting period of 12 months will apply before we will pay hospital or medical benefits towards any treatment for that condition.

    **Note that upon serving the two month waiting period, members can choose to upgrade their cover (once in a lifetime) and access the higher benefits for hospital psychiatric treatment associated with that cover, without serving an additional waiting period. For more details contact us on 1300 654 123 or by sending an email to help@cbhs.com.au.

    *** Accident means an unexpected or unforeseen event caused by an external force or object resulting in an injury to the body which requires treatment by a medical practitioner, Hospital or dentist (as the context requires) but excludes pregnancy.

  • Excess:

    Excess options available: $0$500 or $750

    You can reduce the cost of Basic Plus Hospital cover by agreeing to pay an excess of $500 or $750. This means that when you go into hospital you will pay the first $500 or $750 in respect to charges raised by the hospital. This excess is per person up to a maximum of $1000 or $1500 per family membership per calendar year.

Other Hospital Covers

  • CBHS Comprehensive Hospital (Gold)

    Comprehensive Hospital

    Our highest level of hospital cover for complete peace of mind

  • CBHS Active Hospital (Silver Plus)

    Active Hospital
    (Silver Plus)

    Active Hospital (Silver Plus) is a high-level product that covers more than the basics while excluding some services you don’t need.

  • CBHS Limited Hospital (Bronze Plus)

    Limited Hospital
    (Bronze Plus)

    Mid-level cover with exclusions on services you're less likely to need.

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