CBHS Corporate Health Review

CBHS Corporate Health is a member-centric health insurance firm launched in 2016. There is a large network of hospitals, doctors, and specialists that provide the best care across 8 plans. CBHS offers domestic and overseas coverage to more than 250,000 members.

 

🔎 Provider🥇 CBHS Corporate Health
📌 Date Established2016 (CBHS Corporate
Health was launched;
the original fund was
established in 1951)
📍 HeadquarteredParramatta, New South Wales, Australia
↪️ Registration Number85 609 980 896
👤 The average number of membersApproximately
250,000 members (as
part of the broader
CBHS group)
👥 Number of Employees250+
🛡️ APRA-Regulated✅Yes
🚩 The most recent Market Cap reportedNot-for-profit
5️⃣ Average Customer Rating4.5 out of 5
❤️ Average Number of Reviews100+
📈 Market ShareLess than 0.1%
📉 Number of plans offeredHospital Cover
Extras Cover
Combined Cover, and others
📊 SponsorshipsBetter Living Programs
that support healthier
lifestyles
📲 Is a Mobile App offered✅Yes
💹 Medical Claims PortalOnline and via the app
⏰ Customer Support Operating HoursMonday to Friday 8 am – 7 pm AEDT
💱 Information Hub and BlogResources on healthy living and member health
💊 Chronic Illness BenefitsIncluded in member support programs
🩺 Screening and Prevention offered✅Yes
🍼 Maternity Benefit✅Yes
💴 Health Insurance Premium Range (AUD)From $7.92 per week to $4,575.87 per year
🚨 Average Waiting Period12 months for pre-existing, 2 months for psych
🌎 Is International Medical Cover OfferedOSHC and OVHC
✈️ International Travel BenefitOSHC and OVHC

 

CBHS Corporate Health Review

 

CBHS Corporate Health Plan Overview

The CBHS Corporate Health Plan offers a range of options tailored to various healthcare needs, from basic hospital coverage to comprehensive extras, with different premiums, exclusions, and benefits.

 

🔎 Plan💴 Premium Range AUD (Min to Max, Weekly to Yearly)🚨 Exclusions❤️ Ideal For↪️ Gap Cover 💱 Rebate Percentage⌛ Average Waiting Period⭐ Key Features
🥇 Silver Plus Hospital$23.66 - $1,891.59Pregnancy, weight loss, cosmetic servicesYoung professionals, empty nesters✅Yes24.608%12 months for pre-existing, 2 months for psychEmergency ambulance, private hospital cover
🥈 Bronze Plus Hospital$29.52 - $1,534.83Pregnancy, joint replacements, cosmetic servicesIndividuals, young families✅Yes24.608%12 months for pre-existing, 2 months for psychEmergency and accident-related treatments
🥉 Entry Hospital (Basic Plus)$22.45 - $1,167.49Joint replacements, pregnancy, weight loss surgeryBudget-conscious individuals✅Yes24.608%12 months for pre-existing, 2 months for psychBasic cover in public hospitals
🏅 Advanced Extras$25.14 - $1,307.45Major dentalComprehensive extras seekers✅Yes24.608%2-12 months based on serviceDental, optical, physiotherapy, and wellness benefits
🎖️ Classic Extras$13.92 - $724.09Major dental, orthodonticsGeneral health maintenance✅Yes24.608%2-12 months based on servicePreventative dental, optical, and wellness benefits
🥇 Basic Extras$7.92 - $412.03Major dental, advanced therapiesBasic, affordable cover✅Yes24.608%2-12 months based on serviceBasic dental, physiotherapy, wellness
🥈 Premium Package (Gold)$88.00 - $4,575.87Cosmetic services, certain podiatric surgeriesThose needing extensive cover✅Yes24.608%12 months for pre-existing, 2 months for psychFull hospital and extras, including maternity
🥉 HealthStarter (Basic Plus)$29.68 - $1,543.46Pregnancy, joint replacements, cosmetic servicesYoung, healthy individuals✅Yes24.608%12 months for pre-existing, 2 months for psychBasic hospital and extras, emergency ambulance

 

CBHS Corporate Health Plan Overview

 

CBHS Corporate Health Plans – Features and Benefits

CBHS Corporate Health has a few hospital and extra cover options. These plans address priorities, from essential hospital cover to enhanced extras for day-to-day health support. They let members choose a cover that aligns with their lifestyle and overall health goals.

Hospital Cover

Silver Plus Hospital Cover

Silver Plus is for individuals and families prioritising essential hospital services while paying lower premiums.

This plan considers affordability and covers different services but excludes certain high-cost treatments. This option appeals to young professionals and empty nesters who want hospital benefits without full-tier inclusions.

 

  • Flexible excess options of $250, $500, and $750 for members to adjust their premiums according to budget preferences.
  • Limitations on elective services, like pregnancy or weight loss surgery.
  • Cover for emergency ambulance transport, which ensures immediate access to medical attention.

 

Overnight and same-day admissions at private hospitals so that members can receive comprehensive care without significant out-of-pocket expenses.

 

Silver Plus Hospital Cover

 

Bronze Plus Hospital Cover

Bronze Plus is affordable but doesn’t sacrifice critical care. It includes coverage for surgeries and medical treatments with some exclusions on higher-cost procedures.

 

  • Emergency transport is included, providing immediate assistance in urgent situations.
  • Options for private room accommodations in agreement hospitals, though restricted benefits apply for some treatments.

 

Gap cover options to reduce out-of-pocket expenses on in-hospital treatments.

 

Bronze Plus Hospital Cover

 

Entry Hospital (Basic Plus)

Entry Hospital is an entry-level plan with foundational hospital cover through public hospital services but with restricted benefits for private admissions. This plan is ideal for individuals who want minimal yet reliable coverage.

 

  • Encourages use of public hospitals by providing only restricted benefits at private facilities, making it an affordable, no-frills option.
  • Emergency ambulance cover is available to all members, with additional benefits for non-emergency transport, specifically for WA residents.

 

Choice of excesses ($500 or $750), with caps per family that allow for cost management based on budget.

 

Entry Hospital (Basic Plus)

 

Extras Cover Options

Advanced Extras

The Advanced Extras package has additional benefits like extensive coverage across dental, optical, therapies, and wellness programs. Here are a few more features:

 

  • Extensive support for alternative therapies like acupuncture and massage to accommodate members’ holistic health practices.
  • Comprehensive dental cover with allowances for preventative, general, and major treatments for members to maintain routine oral health.

 

Optical services include allowances for frames, lenses, and contacts, with the Optical Choice Network offering gap-free options on certain items.

 

Advanced Extras

 

Classic Extras

Classic Extras serves members who want moderate support across general health services without facing extensive costs. This plan includes fundamental extras for dental, optical, and therapy services.

 

  • Supports physiotherapy, chiropractic, and osteopathy to help members manage physical wellness.
  • Wellness benefits like health checks and smoking cessation programs provide ongoing preventative care.

 

Preventative dental services, like check-ups and cleanings, help support consistent oral health.

 

Classic Extras

 

Basic Extras

Basic Extras has essential cover for preventive and general health needs with entry-level dental and optical care support. Preventative dental services, like check-ups and fillings, are included with manageable annual limits. There are modest allowances for optical services and alternative therapies like acupuncture for basic health maintenance.

 

Basic Extras

 

Hospital and Extras Combined Packages

Premium Package (Gold)

This package combines a top-tier hospital with extra cover for extensive support for members who need more comprehensive health insurance solutions.

 

  • Comprehensive hospital cover includes major and chronic conditions for a full spectrum of care needs.

 

High limits on extra services across dental, optical, and therapies provide robust support for ongoing health.

 

Premium Package (Gold)

 

HealthStarter (Basic Plus)

HealthStarter offers combined basic hospital and extra cover for young, healthy individuals who need foundational support without extensive costs.

 

  • Accident cover for essential hospital services for active members.

 

Extras like dental and optical services for routine health maintenance without the cost of higher cover options.

 

HealthStarter (Basic Plus)

 

Ambulance Cover

Ambulance Cover is included across all plans for emergency ambulance transport and, for WA residents, a non-emergency benefit to help cover essential medical transport needs.

 

Ambulance Cover

 

CBHS Corporate Health Recent User Reviews

 

🥉 Frustrating Experience with CBHS

We were with CBHS for over two decades, and at some point, they concluded without any justifiable criteria that my 18-year-old son with ADHD, a slight intellectual impairment, and a NDIS plan, is now an independent adult capable of full-time employment that must have his cover. Even our GP’s testimony was ignored. CBHS merely responded to our switch with a text message with no reply option. – John

 

🏅 Helpful Staff but Confusing Policy Details

CBHS Corporate Health has a few health insurance options. Most staff are polite and helpful. I found several policy specifics difficult, and it took me a while to comprehend my cover. The communication could be clearer. – William

 

CBHS Corporate Health Reviews

 

CBHS Corporate Health vs. NIB Health Insurance vs. Bupa Private Health Insurance

 

🔎 Provider🥇 CBHS Corporate Health🥈 NIB Health Insurance🥉 Bupa Private Health Insurance
📌 Years in Operation8 yearsOver 70 yearsSince 1947
👥 Average Number of Members250,000+Over 1.7 million membersOver 18.5 million globally
🛡️ APRA Regulation✅Yes✅Yes✅Yes
👤 Number of Employees250+Approximately 1,500 employees26,000+ (including partnerships and subsidiaries under NIB)
📈 Market Share<0.1%9.6% of the Australian private health insurance market24.9%
📉 Market CoverAustralia, GlobalAustralia-wide coverGlobal
📊 Customer Rating4.5/5Average of 4.8 out of 54.2/5
💹 Number of reviews100+1,000+ reviews1,500 - 2,000 across major platforms
📲 Mobile App✅Yes✅Yes✅Yes
💴 Premium Range (AUD)From $7.92 per week to $4,575.87 per yearFrom $3.34 per week to $3,067.69 per year, depending on the plan and cover options$17.98/week to $3,074.18/year depending on plan
🌎 International Travel BenefitOSHC and OVHCComprehensive international travel insurance is availableCovered through international policies
🚨 Market CapitalisationNot-for-profitAUD 2.90 billionNot publicly listed
⭐ Unique FeaturesOverseas visitors and student cover, Access Gap Cover, wellness benefitsGreenPass membership, partnership with Priceline for branded hospital and ancillary cover, sponsorship of notable sports teams, comprehensive mobile app supportDental check-ups, gap cover scheme, Members First hospitals

 

CBHS Corporate Health vs. NIB Health Insurance vs. Bupa Private Health Insurance

 

Advantages of Using CBHS Corporate Health

CBHS Corporate Health has a member-focused approach that places individuals and their health needs at the core of services.

Below are the unique elements differentiating CBHS from other insurers, appealing to members who value personalised service, competitive pricing, and comprehensive health support.

 

Non-Profit Advantage

CBHS operates under a not-for-profit structure that primarily focuses on member satisfaction instead of shareholder profits. This structure ensures that premiums go directly toward enhancing services, reducing costs, and supporting members’ health needs.

The not-for-profit model allows CBHS to return over 90% of premiums collected to members through benefits.

 

Comprehensive Health Resources

CBHS provides access to several health services and tools to support ongoing wellness and proactive health management, including:

 

  • Better Living Program: A health-focused initiative with wellness resources to help members improve lifestyle habits, from physical activity to mental wellness.
  • Hospital Substitute Treatment: For members to access at-home or outpatient treatment options for certain conditions.

 

Australian-Based Member Support

All customer service and support teams are located within Australia, ensuring members can receive personalised assistance and rely on responsiveness.

CBHS’s local approach means members receive timely, culturally relevant service that builds trust and reliability within the member community.

 

Access Gap Cover

CBHS Corporate Health includes the Access Gap Cover to help members reduce any additional costs when they receive in-hospital services when visiting participating providers.

The gap cover program lets members confirm costs upfront with their doctor. This process streamlines the billing process and handles claims from providers directly.

 

📌 You might consider reading more about the Best Senior Health Insurance Plans

 

 

Frequently Asked Questions

 

What makes CBHS Corporate Health different from other insurers?

CBHS Corporate Health stands out with its member-focused, not-for-profit approach. The organization prioritizes members’ health needs and satisfaction over profits, ensuring that over 90% of premiums go back into enhancing services and benefits for its members.

 

How does the non-profit structure benefit members?

As a not-for-profit insurer, CBHS can focus on reducing costs and enhancing service quality rather than shareholder dividends. This allows premiums to be used directly to improve members’ healthcare services and provide more affordable pricing, with over 90% of premiums returned to members as benefits.

 

What health resources and services does CBHS offer?

CBHS offers a variety of health-focused services, including the Better Living Program, which supports wellness initiatives like physical activity and mental wellness. Additionally, they provide Hospital Substitute Treatment for at-home or outpatient care, offering more convenient options for certain conditions.

 

How does CBHS support its members with customer service?

CBHS ensures all customer service is based in Australia, providing members with local, culturally relevant, and personalized support. This allows for timely responses, fostering trust and strong relationships between members and the insurer.

 

Our Overall Assessment

CBHS Corporate Health provides a comprehensive, member-centric service that combines competitive pricing with high-quality health resources. Their non-profit model ensures that premiums are reinvested into member benefits, while their Australian-based support and wide array of services offer a personalized, accessible experience for members. For those seeking a reliable, affordable insurer with a focus on wellness and proactive care, CBHS is an excellent choice.

 

Advantages of Using CBHS Corporate Health

 

CBHS Corporate Health Gap Cover

CBHS Corporate Health’s Access Gap Cover is a key feature to help members save on any expenses they could face with eligible hospital or day surgery services.

Medicare covers part of a doctor’s bill, but this tends to leave a gap that the patient must cover. Access gap from CBHS covers this gap so that the member doesn’t have to by coordinating with doctors who participate in the program.

However, members must first confirm that their specialist, anesthetist, or GP is part of the Access Gap Cover scheme. If they are, the doctor can bill CBHS Corporate Health for the portion covered by Medicare without the member manually claiming.

 

Key Benefits of Access Gap Cover

Many doctors are already enrolled in the Access Gap Cover program, and CBHS makes it easy to search for participating providers through their database.

 

  • Access Gap Cover can help eliminate or reduce the financial gap between Medicare payments and the doctor’s bill for hospital treatments.
  • CBHS manages the claim directly with the doctor so that members don’t have to deal with multiple parties or claim submissions.

 

Questions to Ask Specialists

When you visit a hospital or doctor to receive treatment, there are a few questions you need to ask them to ensure that Access Gap can cover any shortfalls:

 

  • Will you treat me under the CBHS Access Gap Cover arrangement?
  • Will you send the bill to CBHS directly, or will I need to submit it?
  • Can you provide an estimate of any out-of-pocket expenses I could incur?

 

If you address these questions before receiving treatment, you can ensure you’re informed about potential costs and how CBHS can assist in minimizing them.

 

CBHS Corporate Health Gap Cover

 

CBHS Corporate Health App Features

The CBHS Corporate Health mobile app lets members manage health insurance from any location, right from the palm of their hand. The app lets members view cover, submit claims, and connect with network providers, making day-to-day plan management easier and more efficient.

 

🔎 FeatureDescription
📈 Secure LoginUses Touch ID, Face ID, or PIN to ensure privacy
📉 Cover DetailsDisplays current policy information and Extras limits
📊 Claims SubmissionMembers can submit claims using the app by uploading receipts
💹 Provider LocatorChoice Network Provider search to help members locate nearby providers who might have gap-free services
💱 Account ManagementMembers can update personal information, add dependents, etc.
⭐ Member MessagesDelivers important notifications in-app through push notifications

 

Overall, in our view, the app’s design supports practical day-to-day insurance management to give members real-time control over claims, cover details, and personal information updates. By consolidating these functions, CBHS Corporate Health helps members keep their health insurance at their fingertips without relying on a computer or calling customer support frequently.

 

Frequently Asked Questions

 

What features are available on the CBHS Corporate Health mobile app?

The CBHS mobile app allows members to manage their health insurance with ease. Features include viewing cover details, submitting claims, and connecting with network providers, making daily insurance management more convenient and efficient.

 

How does the CBHS app make managing my health insurance easier?

The app consolidates key tasks such as claim submissions and viewing coverage details, allowing members to manage their insurance from anywhere at any time. This reduces the need to rely on a computer or call customer support for routine inquiries.

 

Can I submit claims directly through the CBHS mobile app?

Yes, the CBHS mobile app allows members to submit claims directly, streamlining the process and giving you more control over your insurance management without needing to contact customer service.

 

Is the CBHS mobile app easy to use for day-to-day health insurance management?

Yes, the app is designed with simplicity in mind. It allows members to easily view their cover, track claims, and update personal information, providing real-time control over their health insurance on the go.

 

Our Overall Assessment

The CBHS Corporate Health mobile app is a practical tool for members seeking a convenient, user-friendly way to manage their health insurance. By offering streamlined claim submissions, easy access to cover details, and direct communication with network providers, the app simplifies day-to-day insurance tasks. With this app, CBHS ensures members can have their health insurance at their fingertips whenever and wherever they need it.

 

CBHS Corporate Health App Features

 

How to apply for Health Insurance with CBHS Corporate Health

Prospective members interested in CBHS Corporate Health can follow the following steps to apply for health insurance:

 

Eligibility Check

CBHS is a restricted health fund that serves current and former employees of the Commonwealth Bank Group (CBA Group), their families, and affiliated organisations. Verifying eligibility first ensures that the applicant meets the membership criteria for CBHS Corporate Health​

 

Initial Contact

Contact CBHS Corporate Health using one of the following channels:

 

  • Phone: Speak to a health representative by calling 1300 654 123. This option lets you ask immediate questions and discuss specific cover options in real time.
  • Email: Send an inquiry to [email protected] and include details about your interest in corporate health insurance.

 

Visit the CBHS Corporate Health webpage and complete the contact form to initiate the application process.

 

Consultation

Once you’ve made contact, a CBHS representative will arrange a consultation. This meeting will assess health needs, organisation type (if applicable), and employee demographics if the application is for group coverage.

 

Customised Proposal

After the consultation, CBHS Corporate Health prepares a personalised proposal outlining plan options, key cover details, and associated pricing. The proposal allows applicants to evaluate the benefits and determine if the plan meets their health and financial requirements.

 

Review and Agreement

Applicants must review the proposed health plan. Once satisfied with the details, they can complete the agreements and documentation to formally start cover.

 

How to apply for Health Insurance with CBHS Corporate Health

 

How to apply for Gap Cover with CBHS Corporate Health

Members who want to apply for Access Gap Cover through CBHS Corporate Health can follow these steps:

 

  • Discuss your need for specialist care with your GP, who will provide a referral. Ask whether your GP can recommend a specialist who’s part of CBHS’s Access Gap Cover network to ensure compatibility with the program’s guidelines.
  • CBHS members can access Healthshare, an online platform to find specialists participating in the Access Gap Cover program. Healthshare lets members search by location and specialty.
  • Before scheduling a procedure, members must confirm with the specialist’s office that they participate in CBHS’s Access Gap Cover.

 

Discuss billing arrangements with the specialist. Confirming billing details in advance ensures all expectations are met before services are rendered.

 

How to apply for Gap Cover with CBHS Corporate Health

 

How to Submit a Claim with CBHS Corporate Health

CBHS Corporate Health makes submitting claims simple and quick. Here’s how you can do it:

 

1. In-Person Claiming (HICAPS or iSOFT)

 

  • Present your CBHS membership card at the provider’s office (like for physiotherapy or dental services).
  • The benefits will be deducted directly from your bill at the time of service. This is the fastest way for claims.

 

2. Online Claiming (Member Center or Mobile App)

You can submit claims online through the CBHS Member Center or app. Claims are processed within 1-2 business days

 

    1. Log in to the Member Center or app.
    2. Enter the provider number and service type.
    3. Confirm your payment details for reimbursement.
    4. Upload copies of your receipts.
    5. Review your estimated benefit before submitting.

 

After the claim is processed, you’ll get a confirmation electronically.

 

3. Medicare Two-Way Claiming (For In-Hospital or Outpatient Services)

This is for services covered by both Medicare and CBHS.

 

    1. Fill out the Medicare Two-Way Claim Form (MS001) with details of the service.
    2. Attach proof of payment and invoices.

 

Submit the form to Medicare, and they’ll forward it to CBHS for further processing.

 

Important Documents for Claims:

  • Keep your invoices and receipts from service providers.
  • Include proof of payment if you paid directly to the provider.
  • Make sure your bank account details are updated in the Member Centre to receive direct deposit of any benefits.

 

By following these simple steps, you can easily submit claims and get your benefits!

 

How to Submit a Claim with CBHS Corporate Health

 

How to Upgrade or Downgrade My Plan with CBHS Corporate Health

CBHS Corporate Health members can easily upgrade or downgrade their plan. Plan changes can be managed using the CBHS Member Centre or with support from Member Services. Here’s a general step-by-step for upgrading or downgrading a plan:

 

  • Log in to the CBHS Member Centre on the CBHS website. Here, members can view their current plan details, review available options, and adjust their cover as needed.
  • When upgrading to a plan with higher coverage, certain benefits could be subject to waiting periods if not included in the original plan, especially for higher-tier coverage upgrades.

 

For direct support or if additional information is needed, reach out to CBHS Member Services at 1300 586 462 or [email protected].

 

Key Considerations for Plan Adjustments

Premiums will be higher or lower depending on the new plan.

 

  • Changes will be visible in the Member Centre once the plan update is processed.
  • If the new plan has adjustments to excess options or benefits, these will apply from the effective date of the upgrade or downgrade.

 

CBHS can request documentation for processing plan changes, especially if the switch involves adding dependents or changing household coverage.

 

How to Upgrade or Downgrade My Plan with CBHS Corporate Health

 

How do I add a Beneficiary to CBHS Corporate Health?

CBHS members can add eligible dependents to their health insurance policy. While the process is straightforward, it involves eligibility criteria based on the age and status of each dependent.

 

Eligibility Criteria for Dependents

 

  • Dependent Child: Refers to a child under 18 without a partner.
  • Student Dependent: Refers to children between 18 and 30 studying full-time at a recognised school, college, or university. Members must confirm the dependent’s student status each year by submitting a Student Declaration through the Member Centre.
  • Non-Student Dependent: Refers to children between 18 and 30 who are not full-time students who qualify for coverage under Family or Sole Parent policies but at a higher premium.

 

Steps to Add a Dependent

Here’s how you can easily add a dependent to your CBHS account:

 

Log into Your Account

Go to the CBHS Member Centre and log in.

 

Add a Dependent

Follow the prompts in the Member Center to add your dependents.

 

For Student Dependents

If you’re adding a student dependent, go to the ‘My Account’ tab and select ‘Student Declaration.’ Follow the instructions to confirm their student status.

 

Provide Additional Documents

You may need to submit extra documents to verify the dependent’s eligibility or status. Follow the prompts in the Member Centre or reach out to Member Services if you need help.

 

Check the Update

Once the process is complete, review the policy update in your Member Centre to make sure all dependent details are correct.

 

This will help ensure your dependent is properly added to your policy!

 

How do I add a Beneficiary to CBHS Corporate Health?

 

How to Submit a Compliment or Complaint with CBHS Corporate Health

Members can submit compliments or complaints to CBHS Corporate Health using the following steps.

 

How to Submit a Compliment

To share a compliment, members can reach out to Member Services through the following options:

 

  • Phone: Call 1300 586 462, available Monday to Friday from 8 am to 7 pm AEDT.
  • Email: Send your feedback to [email protected], noting any staff or service aspects you wish to highlight.

 

How to Submit a Complaint

If you have a complaint or issue, contact Member Services, where representatives will review the issue. Here’s how you can do this:

 

  • Phone: Call 1300 586 462 during business hours.
  • Email: Send your complaint to [email protected], detailing the issue, for an initial review.

 

You can escalate your complaint to the CBHS Dispute Resolution Committee if it isn’t resolved. The Member Services team will facilitate this process and guide you through any additional required steps.

If further support is needed beyond CBHS’s internal processes, you can refer the complaint to the Australian Financial Complaints Authority (AFCA) to be reviewed independently.

 

How to Submit a Compliment or Complaint with CBHS Corporate Health

 

How to Switch my Health Insurance to CBHS Corporate Health

CBHS Corporate Health helps you transition from an existing health insurance policy to theirs by managing all steps in the switch, like getting a transfer certificate and noting the waiting periods you’ve already served.

 

  • Go through the CBHS Corporate Health plans and find an option equal to or better than your current plan. Once you’ve chosen, you can start with the sign-up process to start the switch.
  • After sign-up, CBHS will request a transfer certificate from your current health fund. This certificate details your existing cover and waiting periods that you’ve already served. CBHS will then acknowledge these periods and ensure your new coverage starts quickly.
  • CBHS will notify your previous health fund about the switch and coordinate cancelling your old membership.

 

Once your transfer certificate is processed, CBHS will confirm your new coverage. You will receive documentation detailing the plan benefits, waiting periods, and additional instructions for using the new CBHS plan.

 

Learn more about the Best Small Business Health Insurance

 

How to Switch my Health Insurance to CBHS Corporate Health

 

CBHS Corporate Health Travel Insurance

CBHS Corporate Health offers Overseas Student Health Cover (OSHC) and Overseas Visitors Health Cover (OVHC) for international students and overseas workers in Australia. Here are the features of OSHC and OVHC:

 

🔎 Feature🅰️ Overseas Student Health Cover (OSHC)🅱️ Overseas Visitors Health Cover (OVHC)
📈 Emergency Hospital TransportCovers ambulance services for emergencies requiring immediate hospital transportProvides emergency transport for urgent hospital admissions
📉 Doctor ConsultationsAccess to both online and in-person consultations with network doctorsIncludes doctor visits for both general and specific healthcare needs
📊 In-Hospital CareCovers inpatient treatment and hospital stays, including treatments and accommodationComprehensive in-hospital services, covering admissions, treatments, and doctor fees
💊 Prescription MedicationsBenefit capped according to the Pharmaceutical Benefits Scheme (PBS) for essential medsCovers prescription medications as per plan limits, with a focus on necessary treatments
🩺 Accident and Emergency CoverNot specified in OSHCProvides cover for accidents and emergencies, supporting immediate treatment needs
⭐ Repatriation BenefitsNot includedCovers repatriation for terminal illness or severe health conditions

 

Frequently Asked Questions

 

What is the difference between OSHC and OVHC?

Overseas Student Health Cover (OSHC) is designed for international students in Australia, offering coverage for essential healthcare services like emergency hospital transport, doctor consultations, and in-hospital care. Overseas Visitors Health Cover (OVHC), on the other hand, is for overseas workers and visitors, providing a broader range of services, including repatriation benefits and accident and emergency cover.

 

Does CBHS cover emergency hospital transport?

Yes, both OSHC and OVHC provide coverage for emergency hospital transport. OSHC covers ambulance services for emergencies requiring hospital transport, while OVHC offers similar coverage for urgent hospital admissions.

 

What healthcare services are covered under OSHC and OVHC?

OSHC covers essential healthcare services such as doctor consultations (both online and in-person), in-hospital care (including treatments and accommodation), and prescription medications within PBS limits.

OVHC provides comprehensive in-hospital services, doctor visits for both general and specific needs, prescription medications, and accident and emergency cover.

 

Are there any repatriation benefits with OSHC or OVHC?

OSHC does not include repatriation benefits, but OVHC covers repatriation for terminal illness or severe health conditions, helping to manage travel back to the home country if needed due to health reasons.

 

Our Overall Assessment

CBHS Corporate Health provides tailored health insurance options for international students (OSHC) and overseas workers (OVHC) in Australia, ensuring essential healthcare services and support. While OSHC focuses on student needs with emergency transport, doctor visits, and in-hospital care, OVHC offers additional benefits such as repatriation coverage and accident emergency support. Both plans cater to the unique needs of international visitors, making them a reliable choice for those in need of healthcare coverage in Australia.

 

CBHS Corporate Health Travel Insurance

 

CBHS Corporate Health Regulation

CBHS Corporate Health operates within a regulated environment that protects members and upholds industry standards in private health insurance.

CBHS Corporate Health follows guidelines set by the APRA. APRA’s regulations require that CBHS meets high standards in financial management to maintain the resources necessary to support member benefits over the long term.

The ACCC maintains fair trade and competition within the healthcare industry. CBHS complies with ACCC guidelines that protect consumer rights through transparent pricing and honest marketing practices.

Under the Private Health Insurance Act 2007, CBHS adheres to the legislation that governs private health insurers in Australia. The act provides the framework to protect policyholders and ensure transparency in policy terms and conditions.

 

Regulation

 

CBHS Corporate Health Awards and Recognition

In 2023, CBHS Corporate Health was recognized as the ‘Best Health Fund’ by the PHIO. This award highlights CBHS’s commitment to providing exceptional service and benefits to its members. Being awarded by a regulatory entity like the PHIO affirms CBHS’s role as a trusted, member-centered insurer in Australia

 

CBHS Corporate Health Awards and Recognition

 

CBHS Corporate Health Customer Support and Contact Details

CBHS Corporate Health offers convenient ways for members to reach their support team, including the following:

 

🔎 Department🅰️ Contact Method🅱️ Details
📈 Member ServicesPhone: 1300 654 123Available Monday to Friday, 8 am – 7 pm AEDT
📉 Claims EnquiriesEmail: [email protected]Assistance with claims processing and documentation
📊 Overseas Visitors and Student HealthPhone: 1300 174 534Support for OSHC and OVHC members
💹 Provider RelationsEmail: [email protected]Contact for healthcare providers working with CBHS
📌 Wellness and Health SupportOnline: Member PortalAccess to wellness programs and health resources
📍 Postal AddressCBHS Corporate Health, GPO Box 123, Sydney, NSW 2001For mailing documentation

 

Additional Support Options

Member Portal Access: Members can manage their accounts, submit claims, and access wellness resources using the CBHS Member Portal. The portal provides a convenient, secure way for members to interact with their cover and support services.

Overseas and Student Health Support: Members with Overseas Student Health Cover (OSHC) or Overseas Visitors Health Cover (OVHC) can use a dedicated line to address questions relating to their plans.

 

CBHS Corporate Health Customer Support and Contact Details

 

CBHS Corporate Health Rebates and Discounts

CBHS Corporate Health offers discounts and rebates to eligible members based on criteria such as age, income, and policy type, benefiting both young adults and families.

 

🔎 Rebate/Discount🅰️ Details🅱️ Eligibility
📈 OPSM Discounts20% off on glasses, lenses, and lens add-ons

10% off contact lenses

15% off non-prescription sunglasses

5% off OPSM direct contact lenses with free delivery
Requires Extras cover
📉 Laubman and Pank Discounts20% off glasses, lenses, and lens add-ons

10% off contact lenses

15% off non-prescription sunglasses
Requires Extras cover
📊 Specsavers25% off glasses priced at $149+

20% off lens add-ons such as sun tints and UV filters
Requires Extras cover
💹 Clearly20% discount on lenses

12% on contact lenses (excluding solutions)
Requires Extras cover
💱 Eyebenefit Network20% off frames and lenses

15% on spectacle lenses

10% on contact lenses
Requires Extras cover
📈 Age-Based Hospital DiscountSliding scale discount for those aged 18-29, from 10% (age 18-25) to 2% (age 29); discount reduces yearly after 41Must have an eligible Hospital cover policy
📉 Government Rebate on Health InsuranceRebate percentage varies by age and income; up to 24.608% for those under 65; decreases at higher income levelsBased on income tier and age

 

CBHS Corporate Health Rebates and Discounts

 

CBHS Corporate Health Additional Health Services and Products

CBHS Corporate Health has supplementary services and wellness programs to support members, including the following:

 

  • Healthy Bytes X Webinars, a webinar series covering fitness, nutrition, and mental well-being, provides practical health insights from allied health professionals to support members in maintaining wellness routines.
  • CBHS encourages members to maintain and improve their health with wellness resources like gym memberships, health checks, and stress management programs.
  • DIY Health Challenges: CBHS offers unique challenges like “Love Your Gut – The Happy Gut Challenge,” focusing on lifestyle improvements and health habits.
  • CBHS members have access to a network of over 3,000 dental and optical providers for preventative dental treatments, frames, lenses, and contact lenses, often with reduced or no out-of-pocket expenses. The Choice Network is a major support for members to minimise routine health costs while accessing quality care.
  • Telehealth includes consultations with healthcare professionals, including physiotherapists, dietitians, psychologists, and more.

 

Dental Services covers preventative dental services at select providers, reducing out-of-pocket costs. Preventative dental check-ups and treatments are also included.

 

CBHS Corporate Health Additional Health Services and Products

 

CBHS Corporate Health Pros and Cons

 

✅ Pros❌ Cons
Extensive hospital network agreements to reduce costs.Restricted eligibility for Commonwealth Bank Group personnel and associates.
Ambulance cover included in all plans.Waiting periods for pre-existing conditions and specialized services.
Option to keep non-student dependents up to age 31 on family plans.Limited international cover, mainly domestic.
Flexible policies for singles, couples, families, and seniors.Limited cover for specialized therapies, available mainly on top-tier plans.
Australia-based customer care staff for localized help.Private room benefits are lower on entry-level plans.

 

In Conclusion

CBHS is a not-for-profit insurer that reinvests resources into member benefits, offering competitive pricing and support. With over 70 years of experience, CBHS provides hospital and extra cover tailored to different life stages and offers Access Gap Cover and choice networks for gap-free dental and optical care. Flexible policies are available for singles, couples, families, and seniors, while the Better Living Program supports healthier living and chronic illness management.

However, basic plans have limited coverage for high-end specialized treatments, which are only available on top-tier plans. Despite these limitations, CBHS prioritizes affordability, preventive care, and transparency, appealing to members seeking comprehensive support at a lower cost.

 

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Frequently Asked Questions

 

What is CBHS Corporate Health Insurance?

CBHS Corporate Health Insurance is an Australian not-for-profit health fund with bespoke health insurance solutions for individuals and business organisations.

 

What types of health coverage does CBHS Corporate Health provide?

CBHS Corporate Health offers members hospital-only plans, extras cover, and combined options that suit singles, couples, families, and other member categories.

 

How can members submit a claim to CBHS Corporate Health?

Members can claim using HICAPS or iSOFT, online using the Member Center, or manually by completing a claim form that can be emailed or mailed to CBHS.

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