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CBHS Health Fund Limited

KickStart (Basic Plus)

Restricted Insurer

$294.80 / 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: One adult & dependants (2 or more people, only one of whom is an adult).

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.

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.

Policy ID: CBH/J1/QAJE1D Source: Private Health Information Statement (PHIS)

Hospital Cover

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.

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.

Policy ID: CBH/J1/QAJE1D Source: Private Health Information Statement (PHIS)

Extras Cover

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

$200 per person

combined limit for acupuncture, chinese medicine & remedial massage

Initial visit: $26
Subsequent visit: $26

Chinese medicine

$200 per person

combined limit for acupuncture, chinese medicine & remedial massage

Initial visit: $26
Subsequent visit: $26

Chiropractic

$250 per person

combined limit for chiropractic, osteopathy & physiotherapy

Initial visit: $40
Subsequent visit: $40

Dietetics/dietary advice

$100 per person

Initial visit: $75
Subsequent visit: $42

Endodontic

$675 per person

combined limit for endodontic & general dental

Filling of one root canal: $117

General dental

$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

$315 per person

Health management: 100% of charge

Non PBS pharmaceuticals

$200 per person

combined limit for non pbs pharmaceuticals & vaccinations

Per eligible prescription: $75

Optical

$230 per person

Multi-focal lenses & frames: $230
Single vision lenses & frames: $230

Osteopathy

$250 per person

combined limit for chiropractic, osteopathy & physiotherapy

Initial visit: $40
Subsequent visit: $30

Physiotherapy

$250 per person

combined limit for chiropractic, osteopathy & physiotherapy

Initial visit: $40
Subsequent visit: $30

Psychology

$250 per person

Initial visit: $50
Subsequent visit: $50

Remedial massage

$200 per person

combined limit for acupuncture, chinese medicine & remedial massage

Initial visit: $26
Subsequent visit: $26

Vaccinations

$200 per person

combined limit for non pbs pharmaceuticals & vaccinations

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

$294.80 / month

(Before Rebate, Discount & Loading)

Available in QLD

Call now 1300 654 123 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/J1/QAJE1D