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CBHS Health Fund Limited

KickStart (Basic Plus)

Restricted Insurer

$365.21 / month

(Before Rebate, Discount & Loading)

Available in QLD

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading, an Age-based Discount or an insurer discount. Check with your insurer for details.

This policy covers: Two adults & dependants (3 or more people, only 2 of whom are adults).

Children (0 - 17) and students (18 - 30), as well as persons with a disability who qualify as a child and student in these age ranges.

Restricted insurer: Membership of this insurer is restricted to current and past employees of Commonwealth Bank Group, franchisees, contractors, and their families.

Policy ID: CBH/J1/QAJD2D

Source: Private Health Information Statement (PHIS)

Hospital Cover

  • This policy exempts you from the Medicare Levy Surcharge.
  • This policy provides accident cover - check with insurer for details.
  • This policy does not provide benefits for travel or accommodation outside of hospital.
Covered
Restricted Cover
Not Covered
This policy includes cover for
Assisted reproductive services
Back, neck and spine
Blood
Bone, joint and muscle
Brain and nervous system
Breast surgery (medically necessary)
Cataracts
Chemotherapy, radiotherapy and immunotherapy for cancer
Dental surgery
Diabetes management (excluding insulin pumps)
Dialysis for chronic kidney failure
Digestive system
Ear, nose and throat
Eye (not cataracts)
Gastrointestinal endoscopy
Gynaecology
Heart and vascular system
Hernia and appendix
Hospital psychiatric services
Implantation of hearing devices
Insulin pumps
Joint reconstructions
Joint replacements
Kidney and bladder
Lung and chest
Male reproductive system
Miscarriage and termination of pregnancy
Pain management
Pain management with device
Palliative care
Plastic and reconstructive surgery (medically necessary)
Pregnancy and birth
Rehabilitation
Skin
Sleep studies
Tonsils, adenoids and grommets
Weight loss surgery
This policy does not include cover for
Podiatric surgery (provided by a registered podiatric surgeon)

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: No excess

Co-payments: Every time you go to hospital you will have to pay:

  • $70 per day for a shared room for overnight admissions
  • $70 per day for a private room for overnight admissions
  • $70 for day surgery (no overnight stay)
  • The maximum co-payment is $840 per year
The following waiting periods for hospital admissions apply to new or upgrading members Waiting periods:
  • 2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
  • 12 months for other pre-existing conditions
  • 12 months for pregnancy and birth (obstetrics)
  • 2 months for all other treatments
Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

Co-payment is payable to a maximum of six days per person or 12 days per couple/family each calendar year.

Extras Cover

By using a CBHS Choice Network provider you will have lower out-of-pocket costs on Dental and Optical and have access to more "no gap" services. A list of providers is available on the CBHS website.

This policy includes General treatment (Extras) cover for
Treatment & waiting period (months)
Benefit limits per 12 months unless otherwise stated
Examples of maximum benefits
Acupuncture 2

$200 per person

combined limit for acupuncture, chinese medicine, remedial massage & other services

  • Initial visit: $26
  • Subsequent visit: $26
Chinese medicine 2

$200 per person

combined limit for acupuncture, chinese medicine, remedial massage & other services

  • Initial visit: $26
  • Subsequent visit: $26
Chiropractic 2

$250 per person

combined limit for chiropractic, osteopathy & physiotherapy

  • Initial visit: $40
  • Subsequent visit: $40
Dietetics/dietary advice 2

$100 per person

  • Initial visit: $75
  • Subsequent visit: $42
Endodontic 6

$675 per person

combined limit for endodontic & general dental

  • Filling of one root canal: $117
General dental 2

$675 per person

combined limit for endodontic & general dental

  • Fluoride treatment: $22
  • Scale & clean: $58
  • Surgical tooth extraction: $172
  • Periodic oral examination: $33
Health management / Healthy lifestyle 2

$315 per person

  • Health management: 100% of charge
Non PBS pharmaceuticals 2

$200 per person

combined limit for non pbs pharmaceuticals & vaccinations

  • Per eligible prescription: $75
Optical 6

$230 per person

  • Multi-focal lenses & frames: $230
  • Single vision lenses & frames: $230
Osteopathy 2

$250 per person

combined limit for chiropractic, osteopathy & physiotherapy

  • Initial visit: $40
  • Subsequent visit: $30
Physiotherapy 2

$250 per person

combined limit for chiropractic, osteopathy & physiotherapy

  • Initial visit: $40
  • Subsequent visit: $30
Psychology 2

$250 per person

  • Initial visit: $50
  • Subsequent visit: $50
Remedial massage 2

$200 per person

combined limit for acupuncture, chinese medicine, remedial massage & other services

  • Initial visit: $26
  • Subsequent visit: $26
Vaccinations 2

$200 per person

combined limit for non pbs pharmaceuticals & vaccinations

  • Per service: $75
Acupuncture

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for acupuncture, chinese medicine, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $26}

{Subsequent visit: $26}

Chinese medicine

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for acupuncture, chinese medicine, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $26}

{Subsequent visit: $26}

Chiropractic

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

{combined limit for chiropractic, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $40}

Dietetics/dietary advice

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$100 per person}

Examples of maximum benefits

{Initial visit: $75}

{Subsequent visit: $42}

Endodontic

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$675 per person}

{combined limit for endodontic & general dental}

Examples of maximum benefits

{Filling of one root canal: $117}

General dental

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$675 per person}

{combined limit for endodontic & general dental}

Examples of maximum benefits

{Fluoride treatment: $22}

{Scale & clean: $58}

{Surgical tooth extraction: $172}

{Periodic oral examination: $33}

Health management / Healthy lifestyle

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$315 per person}

Examples of maximum benefits

{Health management: 100% of charge}

Non PBS pharmaceuticals

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per eligible prescription: $75}

Optical

Waiting period:  6 months

Benefit limits per 12 months unless otherwise stated

{$230 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $230}

{Single vision lenses & frames: $230}

Osteopathy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

{combined limit for chiropractic, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Physiotherapy

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

{combined limit for chiropractic, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $40}

{Subsequent visit: $30}

Psychology

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $50}

Remedial massage

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for acupuncture, chinese medicine, remedial massage & other services}

Examples of maximum benefits

{Initial visit: $26}

{Subsequent visit: $26}

Vaccinations

Waiting period:  2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $75}

This policy does not include General treatment (Extras) cover for
Ante-natal/Post-natal classes
Audiology
Blood glucose monitors
Exercise physiology
Eye therapy (orthoptics)
Hearing aids
Home nursing
Major dental
Occupational therapy
Orthodontic
Orthotics (podiatric orthoses)
Podiatry
Speech therapy

Ambulance cover

Ambulance cover is provided by the State government for Queensland residents (https://www.ambulance.qld.gov.au). This includes cover whilst interstate.

Other features of this ambulance cover: Residents of QLD are covered under their state ambulance service scheme Australia-wide and benefits for ambulance services are not payable by CBHS.

For further information about this policy see: https://www.cbhs.com.au/health-insurance/ambulance-cover

Insurer Details

CBHS Health Fund Limited

KickStart (Basic Plus)

Restricted Insurer

$365.21 / month

(Before Rebate, Discount & Loading)

Available in QLD

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/CBH/J1/QAJD2D

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