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Insurer

CBHS Corporate

Reviewed and updated 16 March 2024

About CBHS Corporate

What is CBHS Corporate? 

CBHS Corporate Health (CBHS Corporate) is a private health insurer that operates as an open health fund

It offers health cover for individuals and workplaces.

CBHS Corporate is part of the Commonwealth Bank of Australia Group (CBA Group). 

Background 

In 1951, the Commonwealth Bank of Australia set up CBHS Health, which was originally known as The Commonwealth Bank Health Society. Its aim was to give its staff access to affordable health insurance. It is a closed health fund. 

In 2016, the CBA Group launched CBHS Corporate as an open health fund.

Who can join CBHS Corporate?

Anyone can join CBHS Corporate because it is an open health fund.

What products does CBHS Corporate offer?

CBHS Corporate offers the following products:

Do CBHS Corporate policies include Ambulance Cover?

CBHS Corporate includes emergency Ambulance Cover with Hospital Cover.


Is CBHS Corporate a not-for-profit health insurer?

No. CBHS Corporate is a for-profit health insurer.


Does CBHS Corporate operate in all Australian states and territories?

Yes. CBHS Corporate operates in all Australian states and territories.


How does CBHS Corporate Hospital Cover compare with other insurers?

BenchmarksCBHS CorporateIndustry average
Member retention for Hospital Cover71.0%88.6%
% hospital-related charges covered84.7%90.6%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


Does CBHS Corporate have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. CBHS Corporate has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:

LocationNumber of private Agreement HospitalsIndustry maximum
ACT56
NSW9898
NT22
QLD5160
SA2023
TAS59
VIC7576
WA2224

CBHS Corporate also has agreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:

LocationNumber of day Agreement HospitalsIndustry maximum
ACT89
NSW87103
NT12
QLD4757
SA2530
TAS68
VIC7079
WA1924

Source: CBHS Corporate: performance


How does CBHS Corporate Extras Cover compare with other insurers?

BenchmarkCBHS CorporateIndustry average
% Extras Cover charges covered50.6%52.0%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


How does CBHS Corporate compare with other private health insurers?

BenchmarksCBHS CorporateIndustry average
Market share<0.1%
% services with no gap82.8%88.8%
% services with no gap or where known gap payment made91.9%97.4%
Market share of complaints to the PHIO0.0%
% complaints investigated by the PHIO0.0%
Benefits as a % of contributions87.2%83.1%
Management expenses as a % of contribution income14.9%9.9%
Management expenses per average policy$604$375

Source: Private Health Insurance Ombudsman: State of the Health Funds Report: 2022


Is CBHS Corporate a member of any industry associations? 

Yes. CBHS Corporate is a member of Private Healthcare Australia (PHA), a body that represents 20 registered health insurers and 97% of people covered by private health insurance. 

It is also a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.


Does CBHS Corporate let me claim online or via an app?

Yes. CBHS Corporate allows you to make a claim online via email. You can use your CBHS member login to lodge a claim.


How to contact CBHS Corporate

Phone:

1300 586 462

Website:

https://www.cbhscorporatehealth.com.au/

Email:

help@cbhscorp.com.au

Address:

Level 16
6 Hassall Street
PARRAMATTA NSW 2150

Postal address:

CBHS Corporate Health
Locked Bag 5098
PARRAMATTA NSW 2124


Compare CBHS Corporate with other private health insurers

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