CBHS Health Insurance Australia – Our 2025 Review, Features & Pricing
Our expert's review of CBHS
ScoreCBHS (Commonwealth Bank Health Society) offers a comprehensive and flexible range of private hospital and extras health insurance in Australia, positioning itself as one of the most versatile not-for-profit funds. The insurer provides clear, tiered options ranging from basic entry-level (KickStart, Starter Basic Plus) to high-end Complete Gold, ensuring formula choice for singles, couples, families, and mature adults. CBHS's reimbursement rates are generally aligned with the industry, with strong coverage on hospital clinical categories (including cancer, joint replacement, heart) and extras like dental, optical, and wellness. High annual and lifetime limits on premium extras, combined with minimal gap opportunities via their Choice Network and Access Gap Cover, set CBHS apart for value in out-of-pocket reduction. Preventative health management is well supported through annual check, gym, and quit smoking subsidies. Waiting periods are standard, and ambulance cover is comprehensive nationally. CBHS is best suited to those seeking flexible hospital/extras bundling, market-leading extras, and well-managed health programs. Financials and customer review data are not published, which reflects a more specialised presence. Digital claims and service are available, and claims processing efficiency is in line with Australia’s leading health funds.
- ✅Comprehensive hospital coverage across all major categories
- ✅Strong extras with high annual and lifetime limits
- ✅Choice Network for no-gap dental and optical
- ✅Access Gap Cover minimises out-of-pocket hospital bills
- ✅Wellness and preventative health benefits included
- ✅All formulas cover ambulance emergencies nationwide
- ✅Flexible formulas suited to singles, families, retirees
- ❌Limited major dental cover in entry-level extras
- ❌Some restricted hospital coverage in lower tiers
- ❌No published customer review data for satisfaction
- ❌Waiting periods up to 12 months for some services
- ❌No international benefit coverage
Score- ✅Comprehensive hospital coverage across all major categories
- ✅Strong extras with high annual and lifetime limits
- ✅Choice Network for no-gap dental and optical
- ✅Access Gap Cover minimises out-of-pocket hospital bills
- ✅Wellness and preventative health benefits included
- ✅All formulas cover ambulance emergencies nationwide
- ✅Flexible formulas suited to singles, families, retirees
Our expert's review of CBHS
- ✅Comprehensive hospital coverage across all major categories
- ✅Strong extras with high annual and lifetime limits
- ✅Choice Network for no-gap dental and optical
- ✅Access Gap Cover minimises out-of-pocket hospital bills
- ✅Wellness and preventative health benefits included
- ✅All formulas cover ambulance emergencies nationwide
- ✅Flexible formulas suited to singles, families, retirees
- ❌Limited major dental cover in entry-level extras
- ❌Some restricted hospital coverage in lower tiers
- ❌No published customer review data for satisfaction
- ❌Waiting periods up to 12 months for some services
- ❌No international benefit coverage
Score- ✅Comprehensive hospital coverage across all major categories
- ✅Strong extras with high annual and lifetime limits
- ✅Choice Network for no-gap dental and optical
- ✅Access Gap Cover minimises out-of-pocket hospital bills
- ✅Wellness and preventative health benefits included
- ✅All formulas cover ambulance emergencies nationwide
- ✅Flexible formulas suited to singles, families, retirees
- What does CBHS health insurance cover?
- What is the price of CBHS health insurance in 2025?
- Is CBHS health insurance accessible to newcomers?
- Does CBHS health insurance cover seniors?
- How does reimbursement work with CBHS?
- How to contact CBHS health insurance?
- CBHS Promo Codes
- FAQ
- On the same topic
Why trust HelloSafe?
Why trust HelloSafe? HelloSafe is an international expert in health insurance, guiding over a million users every month in choosing their cover. Our specialists have evaluated offers from over 30 insurers in Australia, thoroughly analysing their benefits, prices and quality of service.
What does CBHS health insurance cover?
CBHS offers a wide hospital and extras range, from cost-effective Basic Plus to full Gold (all 38 clinical categories).
No-gap Access Gap Cover is a true strength, and the Choice Network enables preventative dental/optical without added costs.
Top-tier covers have excellent limits—e.g., $3,000+ for major dental, comprehensive wellness, and approved gym/health benefits.
Most covers exclude some major treatments unless Advanced Silver Plus or Gold; lower covers impose restrictions and higher co-pay/excess.
Preventative, dental, and physio limits are competitive, but basic covers lack wider support for families or complex health.
Important
pour vous aider à bien comparer et faire votre choix, nous avons ajouté une colonne avec ce que rembourse le système de santé public.
Routine medical care
| Garantie | Medicare | Basic Plus | Starter Basic Plus | Value Bronze Plus | Everyday Silver Plus | Advanced Silver Plus | Complete Gold |
|---|---|---|---|---|---|---|---|
| Médicaments sur ordonnance | 75% du tarif MBS Franchise annuelle : par défaut | 25% du MBS Plafond : non spécifié | 25% du MBS Plafond : non spécifié | 25% du MBS Plafond : non spécifié | 25% du MBS Plafond : non spécifié | 25% du MBS Plafond : non spécifié | 25% du MBS Plafond : non spécifié |
| Hospitalisation | 100% séjour public Chambre commune Illimité | 100% frais couverts Chambre: publique partagée, privée (selon formule) Illimité | 100% frais couverts Chambre: publique partagée, privée (selon formule) Illimité | 100% frais couverts Chambre: publique partagée, privée (selon formule) Illimité | 100% frais couverts Chambre: publique partagée, privée (selon formule) Illimité | 100% frais couverts Chambre: publique partagée, privée (selon formule) Illimité | 100% frais couverts Chambre: publique partagée, privée (selon formule) Illimité |
| Transport ambulancier | 100% urgence Selon état/période | 100% urgence Australie sauf QLD/TAS, illimité | 100% urgence Australie sauf QLD/TAS, illimité | 100% urgence Australie sauf QLD/TAS, illimité | 100% urgence Australie sauf QLD/TAS, illimité | 100% urgence Australie sauf QLD/TAS, illimité | 100% urgence Australie sauf QLD/TAS, illimité |
| Soins à domicile | Services publics seulement Limité à situations graves | Jusqu’à 160 $/admission pour accompagnant Autres : non couvert | Jusqu’à 160 $/admission pour accompagnant Autres : non couvert | Jusqu’à 160 $/admission pour accompagnant Autres : non couvert | Jusqu’à 160 $/admission pour accompagnant Autres : non couvert | Jusqu’à 160 $/admission pour accompagnant Autres : non couvert | Jusqu’à 160 $/admission pour accompagnant Autres : non couvert |
| Analyse de laboratoire | 100% si hospitalier public Autres : par défaut | Non couvert hors hospitalisation 100% si acte hospitalier couvert | Non couvert hors hospitalisation 100% si acte hospitalier couvert | Non couvert hors hospitalisation 100% si acte hospitalier couvert | Non couvert hors hospitalisation 100% si acte hospitalier couvert | Non couvert hors hospitalisation 100% si acte hospitalier couvert | Non couvert hors hospitalisation 100% si acte hospitalier couvert |
Franchise annuelle : par défaut
Plafond : non spécifié
Plafond : non spécifié
Plafond : non spécifié
Plafond : non spécifié
Plafond : non spécifié
Plafond : non spécifié
Chambre commune
Illimité
Chambre: publique partagée, privée (selon formule)
Illimité
Chambre: publique partagée, privée (selon formule)
Illimité
Chambre: publique partagée, privée (selon formule)
Illimité
Chambre: publique partagée, privée (selon formule)
Illimité
Chambre: publique partagée, privée (selon formule)
Illimité
Chambre: publique partagée, privée (selon formule)
Illimité
Selon état/période
Australie sauf QLD/TAS, illimité
Australie sauf QLD/TAS, illimité
Australie sauf QLD/TAS, illimité
Australie sauf QLD/TAS, illimité
Australie sauf QLD/TAS, illimité
Australie sauf QLD/TAS, illimité
Limité à situations graves
Autres : non couvert
Autres : non couvert
Autres : non couvert
Autres : non couvert
Autres : non couvert
Autres : non couvert
Autres : par défaut
100% si acte hospitalier couvert
100% si acte hospitalier couvert
100% si acte hospitalier couvert
100% si acte hospitalier couvert
100% si acte hospitalier couvert
100% si acte hospitalier couvert
Dental Care
| Garantie | Medicare | KickStart (Basic Plus) | Essential | Intermediate | Top Extras |
|---|---|---|---|---|---|
| Preventive and routine dental care | non covered No dental under Medicare | $40/exam, unlimited, per consult | $45/exam, $210/year, 2 mo. wait | $45/exam, $230/year, 2 mo. wait | $45/exam, unlimited, 2 mo. wait |
| Basic dental care (fillings, scaling, X-ray) | non covered Not reimbursed by Medicare | $75–$110/filling, 2 mo. wait | up to $90/filling, 2 mo. wait | up to $90/filling, 2 mo. wait | up to $150/filling, 2 mo. wait |
| Major dental care (crowns, root canals, etc.) | non covered Not reimbursed by Medicare | not covered | up to $400/year (periodontics), root canal $136/ea; no ortho | crowns/bridges/ortho $700/year, major $400/year, 12 mo. wait | crowns/bridges $3,000/5 yrs, dentures/implants $1,350/year, periodontic $660/year, orthodontics $2,800/lifetime, 12 mo. wait |
| Orthodontics | non covered Outside hospital; not claimable | not covered | not covered | $700/year ortho, $2,800/lifetime, 12 mo. wait | $2,800/lifetime, $700/year max, 12 mo. wait |
No dental under Medicare
Not reimbursed by Medicare
Not reimbursed by Medicare
Outside hospital; not claimable
Vision care
| Guarantee | Medicare | KickStart (Basic Plus) | Essential | Intermediate | Top Extras |
|---|---|---|---|---|---|
| Glasses, contact lenses, surgery (reimbursement rate, amount, period) | Not covered by public system; only for specific medical eye surgery | Frames $70–$140, lenses $60–$210, annual max $140, 6 mo. wait | Frames $90, lenses $70–$100, annual max $200, 6 mo. wait | Frames $140, lenses $130–$210, annual max $250, 6 mo. wait | Frames $140, lenses $130–$210, annual max $375, 6 mo. wait |
| Optometrist consultation (reimbursement rate, amount, period) | Covered by public system, up to set schedule fee | Not included for out-of-hospital visits; covered if admitted | Not included; check annual eye test policy | Not included; check annual eye test policy | Not included; check annual eye test policy |
Specialized and Paramedical Care
| Guarantee | Medicare | KickStart (Basic Plus) | Essential | Intermediate | Top Extras |
|---|---|---|---|---|---|
| Alternative therapies (reimbursement rate, amount, period, per consult) | Not covered | $26–$33 per session, combined limit applies per year | $33 per session, combined limit $200/yr | $33 per session, combined limit $300/yr | $33 per session, combined limit $450/yr |
| Psychologist (reimbursement rate, amount, period, per consult) | Medicare rebates, limit per year; e.g. 10 sessions MBS | $50 per consult, separate limit (e.g., $200/yr) | Not covered | Not covered | $140 initial, $80 subsequent, up to $450/yr |
| Speech therapy (reimbursement rate, amount, period, per consult) | Medicare rebates for certain conditions, capped annually | Not covered | Not covered | Not covered | $60–$95 per consult, annual max applies |
| Travel insurance (reimbursement rate, amount, period) | Not covered | Not covered | Not covered | Not covered | Not covered |
Good to know
Who can join CBHS Health Fund: - Current or former employees of the Commonwealth Bank Group (CBA) and their eligible family members. - You must be an Australian resident and eligible for Medicare. - The minimum age to hold a policy is 18. - Dependant children can be covered up to age 31 if they are studying full-time. You can add or remove eligible family members from your policy at any time. Choose from four cover types to suit your situation: - Single – For one adult. - Couple – For you and your partner. - Single Parent – For one adult and your dependant children. - Family – For you, your partner, and your dependant children.
What is the price of CBHS health insurance in 2025?
| Type of cover (household composition) | KickStart (Basic Plus) | Value Bronze Plus | Everyday Silver Plus | Advanced Silver Plus | Complete Gold | Essential Extras | Intermediate Extras | Top Extras |
|---|---|---|---|---|---|---|---|---|
| Individual (1 insured) | Approx. $90/month | Approx. $110/month | Approx. $135/month | Approx. $170/month | Approx. $210/month | Approx. $22/month | Approx. $42/month | Approx. $55/month |
| Couple (2 insured) | Approx. $180/month | Approx. $210/month | Approx. $260/month | Approx. $330/month | Approx. $410/month | Approx. $44/month | Approx. $84/month | Approx. $110/month |
| Single parent (1 adult + 2 children) | Approx. $160/month | Approx. $190/month | Approx. $240/month | Approx. $285/month | Approx. $360/month | Approx. $34/month | Approx. $62/month | Approx. $86/month |
| Family (2 adults + 2 children) | Approx. $200/month | Approx. $240/month | Approx. $300/month | Approx. $370/month | Approx. $450/month | Approx. $56/month | Approx. $96/month | Approx. $128/month |
Ces tarifs sont donnés à titre indicatifs. Les primes réelles peuvent différer en fonction de votre situation personnelle et des options choisies.
👉 Compare the best health insurance offers in Australia for free.Discover the offersIs CBHS health insurance accessible to newcomers?
CBHS health insurance is aimed at new arrivals, international workers, students, and visitors who are waiting to qualify for or are not eligible for public health coverage. This insurance is especially useful during the first months in Australia, when access to Medicare may not be possible due to visa status or waiting periods. It provides financial protection and ensures access to a wide range of medical services during this transitional phase.
- Medical care General practitioner (GP) and specialist consultations are covered, with reimbursement up to a set amount per visit. For example, a GP visit could be reimbursed up to $45 or more, depending on the cover level.
- Prescribed care Prescriptions and laboratory tests ordered by a doctor are eligible for partial or full reimbursement, subject to annual limits or per-script caps (e.g., $75 per eligible script, benefit limit of $200 to $1,000 per year).
- Specialist care Access to network specialists and allied health professionals (such as physiotherapists, psychologists, or optometrists), with specific item benefit caps and possibly a set amount per consultation (e.g., $40–$61 for physio and chiro, up to annual limits).
- Emergency dental care Urgent dental treatment is covered for accidental injury or pain relief, with a set annual benefit or per-procedure limit, such as $75–$150 per filling or extraction.
- Medical transport Emergency ambulance transportation is covered Australia-wide (except where already provided by the state scheme), typically for medically necessary emergencies, with no annual limit in most cases.
- Additional costs (hospitalisation or death) Hospital stay costs, including accommodation, theatre fees, and eligible medical procedures, are reimbursed up to category limits. Some covers include support for a boarder (support person) and assistance with repatriation or funeral-related costs in case of death, within specified limits.
CBHS Health Insurance Contract Conditions
CBHS offers contracts with a maximum duration corresponding to your stay in Australia, without exceeding 12 months for certain temporary covers. Renewal is possible if visa requirements are maintained. Eligibility depends on holding a valid visa, with age restrictions varying by contract (generally open to adults over 18, sometimes with limits for dependants). Coverage is valid only while residing in Australia; trips outside the country may suspend benefits. Waiting periods may apply for some treatments or pre-existing conditions, and coverage levels or access may differ based on policy selection and visa status.
Does CBHS health insurance cover seniors?
This offer is intended for retirees and seniors who lose group health insurance at the end of their employment. It is designed to help those transitioning from a corporate or association-based group policy to an individual policy to maintain continuous private health coverage. The program allows eligible members to convert their group insurance to a personal plan—such as the Parcours assurance santéMD—without having to provide medical evidence or undergo health assessments.
It is important to note that the request to join must typically be made within 60 days of the end of the group policy to benefit from guaranteed access and to avoid new waiting periods for most covered benefits.
Available coverage options within the Parcours assurance santéMD program generally include:
- Basic health insurance: Covers essential hospital and medical care, such as consultations, tests, and basic hospital stays.
- Extended reimbursement option: Increases the maximum benefits, including dental, physiotherapy, or advanced diagnostic imaging, suitable for broader needs.
- Vision care: Covers part or all of the cost for glasses, contact lenses, and routine eye exams.
- Home care services: Offers support for post-hospitalization recovery and assistance with daily activities at home, when medically required.
- Travel insurance: Provides coverage for urgent medical care and hospitalizations during short trips outside Australia.
- Wellness and prevention: Programs for health checks, vaccinations, or specialized screenings, depending on the selected plan.
Contact and Policy Information
For further information, contact CBHS at 1300 654 123 or through your online member area. Policy details, limits, and eligibility may vary; consult the official guide for full conditions.
How does reimbursement work with CBHS?
| Feature | Availability | Expert opinion |
|---|---|---|
| Online invoice submission | ✅ | You can submit claims through your member portal, saving time and avoiding paperwork. |
| Mobile application | ✅ | The CBHS app allows easy access to policy details, digital cards, and making claims on the go. |
| Member portal for claims tracking | ✅ | Members have a secure portal to check benefits used and track reimbursement progress anytime. |
| Reimbursement simulator | ❌ | No simulator is provided, so you’ll need to request estimates or contact support for claim predictions. |
| Reimbursement turnaround time | 48h | Claims are usually processed within 48 hours, offering fast access to your entitled benefits. |
| Add or remove members without fees | ✅ | You can update your policy to add or remove dependants easily online, with no administrative cost. |
| Phone support with healthcare provider | ❌ | There is no direct telephone access to a nurse or doctor, only standard member service support is offered. |
| Second medical opinion | ❌ | CBHS does not include a formal second opinion service—patients arrange this privately or via their doctor. |
| 24/7 travel assistance | ❌ | International travel emergency support is not part of CBHS health covers, so alternative travel insurance is needed. |
How to contact CBHS health insurance?
| Motif de contact | Contacter CBHS |
|---|---|
| Je veux obtenir un devis d’assurance santé 🧾 | Use the online quote form at any time. Or call 1300 654 123 (Mon–Fri 8am–7pm AEST), choose option for health insurance quote. |
| J’ai besoin d’une attestation d’assurance 🧾 | Log in to your online account to download your certificate. Or call 1300 654 123, select “member services”. Hours: Mon–Fri 8am–7pm AEST. |
| J’ai besoin d’une assistance médicale 🩺 | For health assistance and urgent claims, call 1300 654 123 (24/7, choose “medical assistance”). Members overseas: use reverse charge to +61 2 8562 7400. |
| Je veux déclarer un incident ou suivre un remboursement 🔍 | Access your online account for claims tracking or incident declaration. Or call 1300 654 123, select “claims and benefits”. Hours: Mon–Fri 8am–7pm AEST. |
Or call 1300 654 123 (Mon–Fri 8am–7pm AEST), choose option for health insurance quote.
Or call 1300 654 123, select “member services”. Hours: Mon–Fri 8am–7pm AEST.
Members overseas: use reverse charge to +61 2 8562 7400.
Or call 1300 654 123, select “claims and benefits”. Hours: Mon–Fri 8am–7pm AEST.
CBHS Promo Codes
| CBHS promo codes | Details |
|---|---|
| Code promo HelloSafe | -5% Click here |
Note : Les codes promos sont susceptibles de changer. Pour obtenir les derniers codes promos, rendez-vous sur notre comparatif des meilleures assurances santé.
FAQ
Who can take out CBHS health insurance?
You can subscribe to CBHS health insurance via the official CBHS website. However, it is always best to compare options online beforehand to find the best fit for your needs. You can use our health insurance comparison tool for an informed decision.
Are there any age requirements with CBHS?
CBHS health insurance does not impose strict minimum or maximum age limits for membership. Anyone can apply, but specific types of cover, like young adult or family policies, may have age guidelines. For further details, consult their terms or contact their service directly.
Can members be added or removed with CBHS?
It is possible to add a spouse, partner, or dependent children to your CBHS policy. Changes can typically be made during certain life events, such as marriage, birth or adoption, or when dependents reach the maximum eligible age.
What is covered by CBHS extras insurance?
CBHS extras insurance covers a range of services outside hospital, such as dental, optical, physiotherapy, osteopathy, pharmacy, and wellness programs. Coverage levels and annual limits depend on the extras option chosen. Some items require waiting periods or policy-specific limits. Always review the current product guide for details.
How does ambulance cover work with CBHS?
All CBHS hospital covers include emergency ambulance cover for transport across Australia, except where residents are already covered by state ambulance schemes. This ensures costs for urgent transport are covered. Non-emergency or inter-hospital transfers may be subject to different rules according to local regulations.
Are there waiting periods for CBHS cover?
Yes, waiting periods apply for many services including pre-existing conditions, major dental, pregnancy, psychiatric, and some extras benefits. These range from 1 day for accidents or emergency ambulance to up to 12 months for certain procedures. Waiting periods for similar cover may be waived if you transfer from another fund without a gap in your coverage.
Who can take out CBHS health insurance?
You can subscribe to CBHS health insurance via the official CBHS website. However, it is always best to compare options online beforehand to find the best fit for your needs. You can use our health insurance comparison tool for an informed decision.
Are there any age requirements with CBHS?
CBHS health insurance does not impose strict minimum or maximum age limits for membership. Anyone can apply, but specific types of cover, like young adult or family policies, may have age guidelines. For further details, consult their terms or contact their service directly.
Can members be added or removed with CBHS?
It is possible to add a spouse, partner, or dependent children to your CBHS policy. Changes can typically be made during certain life events, such as marriage, birth or adoption, or when dependents reach the maximum eligible age.
What is covered by CBHS extras insurance?
CBHS extras insurance covers a range of services outside hospital, such as dental, optical, physiotherapy, osteopathy, pharmacy, and wellness programs. Coverage levels and annual limits depend on the extras option chosen. Some items require waiting periods or policy-specific limits. Always review the current product guide for details.
How does ambulance cover work with CBHS?
All CBHS hospital covers include emergency ambulance cover for transport across Australia, except where residents are already covered by state ambulance schemes. This ensures costs for urgent transport are covered. Non-emergency or inter-hospital transfers may be subject to different rules according to local regulations.
Are there waiting periods for CBHS cover?
Yes, waiting periods apply for many services including pre-existing conditions, major dental, pregnancy, psychiatric, and some extras benefits. These range from 1 day for accidents or emergency ambulance to up to 12 months for certain procedures. Waiting periods for similar cover may be waived if you transfer from another fund without a gap in your coverage.
On the same topic
