CBHS Health Fund Limited

FlexiSaver (Basic Plus)

Name: FlexiSaver (Basic Plus)
Brand: CBHS Health Fund Limited
Price: 304.37 AUD

Restricted Insurer

$304.37 / month

(Before Rebate, Discount & Loading)

Available in SA

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: Two adults (and no-one else).

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/J12/SAJV20

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

Bone, joint and muscle

Dental surgery

Hernia and appendix

Hospital psychiatric services

Joint reconstructions

Palliative care

Rehabilitation

Tonsils, adenoids and grommets

This policy does not include cover for

Assisted reproductive services

Back, neck and spine

Blood

Brain and nervous system

Breast surgery (medically necessary)

Cataracts

Chemotherapy, radiotherapy and immunotherapy for cancer

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

Implantation of hearing devices

Insulin pumps

Joint replacements

Kidney and bladder

Lung and chest

Male reproductive system

Miscarriage and termination of pregnancy

Pain management

Pain management with device

Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon)

Pregnancy and birth

Skin

Sleep studies

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: You will have to pay an excess of $500 per admission. This is limited to a maximum of $500 per person and $1000 per policy per year.

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
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.

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

General dental 2

$700 per person

combined limit for general dental, optical & physiotherapy

Fluoride treatment: 55% of charge
Scale & clean: 55% of charge
Surgical tooth extraction: 55% of charge
Periodic oral examination: 55% of charge

Optical* 6

$700 per person

combined limit for general dental, optical & physiotherapy

sub-limits apply

Multi-focal lenses & frames: 55% of charge
Single vision lenses & frames: 55% of charge

Physiotherapy 2

$700 per person

combined limit for general dental, optical & physiotherapy

Initial visit: 55% of charge
Subsequent visit: 55% of charge

General dental

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for general dental, optical & physiotherapy}

Examples of maximum benefits

{Fluoride treatment: 55% of charge}

{Scale & clean: 55% of charge}

{Surgical tooth extraction: 55% of charge}

{Periodic oral examination: 55% of charge}

Optical*

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for general dental, optical & physiotherapy}

{sub-limits apply}

Examples of maximum benefits

{Multi-focal lenses & frames: 55% of charge}

{Single vision lenses & frames: 55% of charge}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$700 per person}

{combined limit for general dental, optical & physiotherapy}

Examples of maximum benefits

{Initial visit: 55% of charge}

{Subsequent visit: 55% of charge}

This policy does not include General treatment (Extras) cover for

Acupuncture

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Chinese medicine

Chiropractic

Dietetics/dietary advice

Endodontic

Exercise physiology

Eye therapy (orthoptics)

Health management / Healthy lifestyle

Hearing aids

Home nursing

Major dental

Non PBS pharmaceuticals

Occupational therapy

Orthodontic

Orthotics (podiatric orthoses)

Osteopathy

Podiatry

Psychology

Remedial massage

Speech therapy

Vaccinations

Other features of this general treatment cover: Extras give the flexibility to use the overall limit of $700 per person per calendar year on any of the included preventative dental, general dental, physiotherapy or optical (sublimit applies on optical, see above). You also get 55% benefit of the provider charge, up to the overall limit.

Ambulance cover

In SA this policy provides:

Emergency: Unlimited with a waiting period of 1 day.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: Coverage for emergency ambulance services if you’re transported directly to a hospital or treated at the scene during a medical emergency. This transport or treatment must be provided by a State Government or a private ambulance service that we recognise, e.g., the Royal Flying Doctor Service. Cover includes transport from the scene of an accident or medical event such as a heart attack.

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

Insurer Details

CBHS Health Fund Limited

FlexiSaver (Basic Plus)

Restricted Insurer

$304.37 / month

(Before Rebate, Discount & Loading)

Available in SA

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/J12/SAJV20

FlexiSaver (Basic Plus)

Policy ID: CBH/J12/SAJV20

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

CBHS Health Fund Limited

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