CBHS Health Fund Limited

Prestige (Gold)

Name: Prestige (Gold)
Brand: CBHS Health Fund Limited
Price: 470.03 AUD

Restricted Insurer

$470.03 / month

(Before Rebate, Discount & Loading)

Available in QLD

1300 654 123 Sponsor link

Go to site Sponsor link

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: Only one person.

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/J11/QAGD10

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)

Podiatric surgery (provided by a registered podiatric surgeon)

Pregnancy and birth

Rehabilitation

Skin

Sleep studies

Tonsils, adenoids and grommets

Weight loss surgery

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: No co-payments

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

Gap Assist benefit - $200 per person per calendar year. Access to a second opinion provider.

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

$1,000 per policy

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

Initial visit: $33
Subsequent visit: $33

Ante-natal/Post-natal classes 2

$105 per policy

Initial visit: 100% of charge
Subsequent visit: 100% of charge

Audiology 2

$360 per policy

Initial visit: $60
Subsequent visit: $60

Blood glucose monitors* 12

$500 per policy

Per monitor: 100% of charge

Chinese medicine 2

$1,000 per policy

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

Initial visit: $33
Subsequent visit: $33

Chiropractic 2

$1,000 per policy

combined limit for chiropractic & osteopathy

Initial visit: $61
Subsequent visit: $40

Dietetics/dietary advice 2

$360 per policy

Initial visit: $75
Subsequent visit: $42

Endodontic 6

$700 per policy

Filling of one root canal: $157

Exercise physiology 2

$360 per policy

Initial visit: $35
Subsequent visit: $35

Eye therapy (orthoptics) 2

$455 per policy

Initial visit: $60
Subsequent visit: $60

General dental 2

No annual limit

Fluoride treatment: $27
Scale & clean: $68
Surgical tooth extraction: $182
Periodic oral examination: $38

Health management / Healthy lifestyle 2

$730 per policy

sub-limits apply

Health management: 100% of charge

Hearing aids* 12

$2,200 per policy

Hearing aid: 100% of charge

Home nursing 2

$2,800 per policy

Initial visit: $80
Subsequent visit: $80

Major dental* 12

$8,060 per policy

sub-limits apply

Full crown veneered: $750

Non PBS pharmaceuticals 2

$1,000 per policy

combined limit for non pbs pharmaceuticals & vaccinations

Per eligible prescription: $150

Occupational therapy 2

$800 per policy

Initial visit: $61
Subsequent visit: $35

Optical 6

$450 per policy

Multi-focal lenses & frames: $350
Single vision lenses & frames: $270

Orthodontic 12

$3,200 per policy

$3,200 lifetime limit

Braces for upper & lower teeth, including removal plus fitting of retainer: $3200

Orthotics (podiatric orthoses) 12

$1,500 per policy

Orthotics supply & fit: $145

Osteopathy 2

$1,000 per policy

combined limit for chiropractic & osteopathy

Initial visit: $61
Subsequent visit: $35

Physiotherapy 2

$900 per policy

Initial visit: $61
Subsequent visit: $43

Podiatry 2

$400 per policy

Initial visit: $50
Subsequent visit: $35

Psychology 2

$500 per policy

Initial visit: $140
Subsequent visit: $80

Remedial massage 2

$1,000 per policy

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

Initial visit: $33
Subsequent visit: $33

Speech therapy 2

$1,850 per policy

Initial visit: $95
Subsequent visit: $46

Vaccinations 2

$1,000 per policy

combined limit for non pbs pharmaceuticals & vaccinations

Per service: $150

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

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

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $33}

Ante-natal/Post-natal classes

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$105 per policy}

Examples of maximum benefits

{Initial visit: 100% of charge}

{Subsequent visit: 100% of charge}

Audiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$360 per policy}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $60}

Blood glucose monitors*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

Examples of maximum benefits

{Per monitor: 100% of charge}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

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

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $33}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $61}

{Subsequent visit: $40}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$360 per policy}

Examples of maximum benefits

{Initial visit: $75}

{Subsequent visit: $42}

Endodontic

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$700 per policy}

Examples of maximum benefits

{Filling of one root canal: $157}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$360 per policy}

Examples of maximum benefits

{Initial visit: $35}

{Subsequent visit: $35}

Eye therapy (orthoptics)

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$455 per policy}

Examples of maximum benefits

{Initial visit: $60}

{Subsequent visit: $60}

General dental

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{No annual limit}

Examples of maximum benefits

{Fluoride treatment: $27}

{Scale & clean: $68}

{Surgical tooth extraction: $182}

{Periodic oral examination: $38}

Health management / Healthy lifestyle

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$730 per policy}

{sub-limits apply}

Examples of maximum benefits

{Health management: 100% of charge}

Hearing aids*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$2,200 per policy}

Examples of maximum benefits

{Hearing aid: 100% of charge}

Home nursing

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$2,800 per policy}

Examples of maximum benefits

{Initial visit: $80}

{Subsequent visit: $80}

Major dental*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$8,060 per policy}

{sub-limits apply}

Examples of maximum benefits

{Full crown veneered: $750}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per eligible prescription: $150}

Occupational therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$800 per policy}

Examples of maximum benefits

{Initial visit: $61}

{Subsequent visit: $35}

Optical

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$450 per policy}

Examples of maximum benefits

{Multi-focal lenses & frames: $350}

{Single vision lenses & frames: $270}

Orthodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$3,200 per policy}

{$3,200 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $3200}

Orthotics (podiatric orthoses)

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,500 per policy}

Examples of maximum benefits

{Orthotics supply & fit: $145}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{combined limit for chiropractic & osteopathy}

Examples of maximum benefits

{Initial visit: $61}

{Subsequent visit: $35}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$900 per policy}

Examples of maximum benefits

{Initial visit: $61}

{Subsequent visit: $43}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per policy}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $35}

Psychology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per policy}

Examples of maximum benefits

{Initial visit: $140}

{Subsequent visit: $80}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

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

Examples of maximum benefits

{Initial visit: $33}

{Subsequent visit: $33}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,850 per policy}

Examples of maximum benefits

{Initial visit: $95}

{Subsequent visit: $46}

Vaccinations

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$1,000 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per service: $150}

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

Prestige (Gold)

Restricted Insurer

$470.03 / month

(Before Rebate, Discount & Loading)

Available in QLD

1300 654 123 Sponsor link

Go to site Sponsor link

CBHS Health Fund Limited

http://www.cbhs.com.au

help@cbhs.com.au

1300 654 123

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/J11/QAGD10

Prestige (Gold)

Policy ID: CBH/J11/QAGD10

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

CBHS Health Fund Limited

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