CBHS Health Fund Limited

StepUp (Bronze Plus)

Name: StepUp (Bronze Plus)
Brand: CBHS Health Fund Limited
Price: 671.32 AUD

Restricted Insurer

$671.32 / month

(Before Rebate, Discount & Loading)

Available in WA

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 & 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/J6/WAYM2D

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)

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

Hernia and appendix

Hospital psychiatric services

Implantation of hearing devices

Insulin pumps

Joint reconstructions

Kidney and bladder

Male reproductive system

Miscarriage and termination of pregnancy

Pain management

Pain management with device

Palliative care

Pregnancy and birth

Rehabilitation

Skin

Sleep studies

Tonsils, adenoids and grommets

This policy does not include cover for

Cataracts

Heart and vascular system

Joint replacements

Lung and chest

Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon)

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: 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. Co-payments do not apply to any dependants on the policy. Gap Assist benefit of $100 per person per 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

$400 per person

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

Initial visit: $33
Subsequent visit: $33

Ante-natal/Post-natal classes 2

$600 per person up to $300 per service

combined limit for ante-natal/post-natal classes, chiropractic, occupational therapy, osteopathy, physiotherapy, psychology & speech therapy

sub-limits apply

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

Chinese medicine 2

$400 per person

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

Initial visit: $33
Subsequent visit: $33

Chiropractic 2

$600 per person up to $300 per service

combined limit for ante-natal/post-natal classes, chiropractic, occupational therapy, osteopathy, physiotherapy, psychology & speech therapy

sub-limits apply

Initial visit: $61
Subsequent visit: $40

Dietetics/dietary advice 2

$100 per person

Initial visit: $75
Subsequent visit: $42

Endodontic 6

$900 per person

combined limit for endodontic & major dental

Filling of one root canal: $157

General dental* 2

$350 per person

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

Health management / Healthy lifestyle 2

$415 per person

sub-limits apply

Health management: 100% of charge

Major dental* 12

$900 per person

combined limit for endodontic & major dental

Full crown veneered: $750

Non PBS pharmaceuticals 2

$300 per person

combined limit for non pbs pharmaceuticals & vaccinations

Per eligible prescription: $75

Occupational therapy 2

$600 per person up to $300 per service

combined limit for ante-natal/post-natal classes, chiropractic, occupational therapy, osteopathy, physiotherapy, psychology & speech therapy

sub-limits apply

Initial visit: $61
Subsequent visit: $35

Optical 6

$250 per person

Multi-focal lenses & frames: $190
Single vision lenses & frames: $160

Orthodontic 12

$1,400 per person

$1,400 lifetime limit

Braces for upper & lower teeth, including removal plus fitting of retainer: $1400

Orthotics (podiatric orthoses) 12

$150 per person

Orthotics supply & fit: $145

Osteopathy 2

$600 per person up to $300 per service

combined limit for ante-natal/post-natal classes, chiropractic, occupational therapy, osteopathy, physiotherapy, psychology & speech therapy

sub-limits apply

Initial visit: $61
Subsequent visit: $35

Physiotherapy 2

$600 per person up to $300 per service

combined limit for ante-natal/post-natal classes, chiropractic, occupational therapy, osteopathy, physiotherapy, psychology & speech therapy

sub-limits apply

Initial visit: $61
Subsequent visit: $43

Podiatry 2

$150 per person

Initial visit: $50
Subsequent visit: $35

Psychology 2

$600 per person up to $300 per service

combined limit for ante-natal/post-natal classes, chiropractic, occupational therapy, osteopathy, physiotherapy, psychology & speech therapy

sub-limits apply

Initial visit: $140
Subsequent visit: $80

Remedial massage 2

$400 per person

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

Initial visit: $33
Subsequent visit: $33

Speech therapy 2

$600 per person up to $300 per service

combined limit for ante-natal/post-natal classes, chiropractic, occupational therapy, osteopathy, physiotherapy, psychology & speech therapy

sub-limits apply

Initial visit: $95
Subsequent visit: $46

Vaccinations 2

$300 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

{$400 per person}

{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

{$600 per person up to $300 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, occupational therapy, osteopathy, physiotherapy, psychology & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 100% of charge}

{Subsequent visit: 100% of charge}

Chinese medicine

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{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

{$600 per person up to $300 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, occupational therapy, osteopathy, physiotherapy, psychology & speech therapy}

{sub-limits apply}

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

{$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

{$900 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Filling of one root canal: $157}

General dental*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$350 per person}

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

{$415 per person}

{sub-limits apply}

Examples of maximum benefits

{Health management: 100% of charge}

Major dental*

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$900 per person}

{combined limit for endodontic & major dental}

Examples of maximum benefits

{Full crown veneered: $750}

Non PBS pharmaceuticals

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for non pbs pharmaceuticals & vaccinations}

Examples of maximum benefits

{Per eligible prescription: $75}

Occupational therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person up to $300 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, occupational therapy, osteopathy, physiotherapy, psychology & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $61}

{Subsequent visit: $35}

Optical

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: $190}

{Single vision lenses & frames: $160}

Orthodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$1,400 per person}

{$1,400 lifetime limit}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: $1400}

Orthotics (podiatric orthoses)

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

Examples of maximum benefits

{Orthotics supply & fit: $145}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person up to $300 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, occupational therapy, osteopathy, physiotherapy, psychology & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $61}

{Subsequent visit: $35}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person up to $300 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, occupational therapy, osteopathy, physiotherapy, psychology & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $61}

{Subsequent visit: $43}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$150 per person}

Examples of maximum benefits

{Initial visit: $50}

{Subsequent visit: $35}

Psychology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$600 per person up to $300 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, occupational therapy, osteopathy, physiotherapy, psychology & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $140}

{Subsequent visit: $80}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person}

{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

{$600 per person up to $300 per service}

{combined limit for ante-natal/post-natal classes, chiropractic, occupational therapy, osteopathy, physiotherapy, psychology & speech therapy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: $95}

{Subsequent visit: $46}

Vaccinations

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 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

Audiology

Blood glucose monitors

Exercise physiology

Eye therapy (orthoptics)

Hearing aids

Home nursing

Ambulance cover

In WA 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. Residents of WA holding appropriate Hospital/package cover are also eligible to claim a benefit for non-emergency ambulance transport services up to a maximum of $5,000 per person per calendar year.

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

Insurer Details

CBHS Health Fund Limited

StepUp (Bronze Plus)

Restricted Insurer

$671.32 / month

(Before Rebate, Discount & Loading)

Available in WA

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/J6/WAYM2D

StepUp (Bronze Plus)

Policy ID: CBH/J6/WAYM2D

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

CBHS Health Fund Limited

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