Who is CBHS Corporate Health?
CBHS Corporate Health is a health fund that works directly with employers to provide health cover and promote its vision of improved employee wellbeing across Australia. It’s also open to individuals. It’s part of the CBHS Health Fund which was established in 1951 by the Commonwealth Bank.
CBHS Corporate is a part of Members Health, an alliance of nonprofit and mutual health funds. While it isn’t a nonprofit fund, CBHS Corporate Health’s parent company is a nonprofit restricted-membership health fund.
Phone: 1300 586 462
Website: cbhscorporatehealth.com.au
Does CBHS Corporate Health get many complaints from members?
CBHS Corporate Health is owned by CBHS Health Fund. Therefore we use combined member & complaints numbers for CBHS & CBHS Corp and treat them as a single entity in calculating the complaints rating.
CBHS Corporate Health has a Medium complaints rating.
When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don’t get automatically penalised for having more complaints. The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.
How good is CBHS Corporate Health’s gap cover?
A medical gap is the difference between Medicare’s recommended fee and what your doctor actually charges for a treatment or service.
Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called ‘no gap agreements’, or part of that gap, which are called ‘known gap agreements’ (these will have lower out-of-pocket costs, usually less than $500).
Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.
Rating scale
- Well above average
- Above average
- Average
- Below average
- Well below average
Australian Capital Territory
Average.
New South Wales
Well below average.
Northern Territory
Average.
Queensland
Average.
South Australia
Average.
Tasmania
Well below average.
Victoria
Well below average.
Western Australia
Well below average.
How many hospital agreements does CBHS Corporate Health have in my state?
The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you’re treated.
The table below shows how many hospital agreements CBHS Corporate Health has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don’t have agreements with specific funds and are generally treated as though they’re agreement hospitals.
CBHS Corporate Health hospital agreements
In the Australia Capital Territory the fund has…
5 private hospital agreements out of an industry maximum of 6.
8 day hospital agreements out of an industry maximum of 9.
In New South Wales the fund has…
91 private hospital agreements out of an industry maximum of 92.
93 day hospital agreements out of an industry maximum of 105.
In the Northern Territory the fund has…
1 private hospital agreement out of an industry maximum of 1.
2 day hospital agreements out of an industry maximum of 2.
In Queensland the fund has…
50 private hospital agreements out of an industry maximum of 58.
48 day hospital agreements out of an industry maximum of 54.
In South Australia the fund has…
18 private hospital agreements out of an industry maximum of 20.
25 day hospital agreements out of an industry maximum of 31.
In Tasmania the fund has…
8 private hospital agreements out of an industry maximum of 8.
6 day hospital agreements out of an industry maximum of 9.
In Victoria the fund has…
67 private hospital agreements out of an industry maximum of 71.
71 day hospital agreements out of an industry maximum of 80.
In Western Australia the fund has…
21 private hospital agreements out of an industry maximum of 23.
20 day hospital agreements out of an industry maximum of 29.
Does CBHS Corporate Health offer any discounts?
Discount for direct debit: None.
Discount for annual prepay: 2% for six or 12-month prepayment.
Youth discounts: Offered on all hospital and combined products and are transferable (you can transfer a discount from another fund to one of these policies).
Does CBHS Corporate Health offer ambulance cover?
All CBHS Corporate Health hospital and combined policies cover emergency ambulance in all states.
Depending on where you live, you may not need a policy with ambulance cover.
- Queensland and Tasmania: Emergency ambulance services are covered by the state government.
- New South Wales and the Australian Capital Territory: All hospital policies come with emergency ambulance cover – so you’ll be covered with any hospital or combined policy you select.
- South Australia, Victoria and the Northern Territory: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover.
- Rural Western Australia: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover.
- Metropolitan Western Australia: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.
Does CBHS Corporate Health offer family policies that cover adult children?
- Adult children are covered on family policies for free until they turn 18.
- Full-time students are covered on family policies for free until they turn 31.
- Adult children younger than 31 can be covered on extended family policies for an extra cost.
Does CBHS Corporate Health let you claim online or in-app?
Online claiming and in-app (iOS and Android) claiming is available for extras services including optical, dental and physio, and some additional services including ambulance, hypnotherapy blood glucose services, travel and accommodation.
