Member Owned Fund CBHS

As part of the Members Health Fund Alliance, we put people ahead of profits. Our mission is to prevent illness, promote better health and do everything we can to help you when you need us most. The health and happiness of our members is at the heart of everything we do.

It’s as simple as that. CBHS has been set up with the sole aim of benefiting our own members. Rather than chasing profits from shareholders or overseas investors, member owned funds like CBHS reinvest their profits back into the fund to help develop better products for their members.

The benefits of a member owned fund

Because member owned funds are focused solely on serving their members, they offer substantial benefits that privately owned and for profit health funds just can’t match. These include:

  • Better service — Member owned funds are all about serving their members, and because of this they simply do a better job. They treat you like a person instead of a number, and they go that extra mile to help you in any way they can. The proof? The Private Health Ombudsman receives far less complaints each year about CBHS relative to its membership than the majority of other funds.
  • Constant improvement — Because member owned funds reinvest their profits back into the fund, they have more capital to spend on creating better health benefits and providing better service to you and your family. Proof? CBHS is currently investing in new ways for members to access their accounts more conveniently, including streamlined email, phone, and online access.
  • Lower premiums and higher benefits Member owned health funds consistently beat the privately owned funds in both cost and benefits received. Proof? In NSW, a family with top hospital cover and no excess will pay $480 a year less with CBHS (before the Australian Government Rebate on private health insurance) than with the open health fund rated last year’s cheapest fund (for top insurance cover policy with $0 excess) by Choice Magazine*.

The best member owned fund for you, just ask our own members

If you’re a current or former CBA employee, an employee of a CBA contractor, or part of their extended families, choosing a health fund has never been easier. For better service, greater convenience, lower premiums and higher benefits, choose CBHS - the member owned fund that works for you. To find out more, send us an email at or give our friendly Member Care team a call on 1300 654 123.

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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