If you claim non-PBS medicines every year
Top Extras has a $1,000 non-PBS medicines limit that it shares with vaccinations. Check the extras benefits for shared pools and claim conditions.
CBHS health insurance
Is it a good health insurer?
CBHS has 5 hospital and 3 extras policies in our comparison, from $107.00 a month for hospital cover (Single · NSW · $500 hospital excess, after rebate).
Issued by CBHS Health Fund Limited. Hospital, extras or both.
Explore 5 hospital and 3 extras products, or find cover by treatment. Sources for CBHS
Reviewed, Edited and Designed by
Grace Connolly
Created with AI assistance
Page updated 26 October 2026 · Prices effective 1 September 2026
I need cover for…
Compare cover across all Australian health funds.
CBHS cover: the main choices.
See the benefit differences
For podiatric surgery (provided by a registered podiatric surgeon)
Value Bronze Plus Hospital does not fully cover podiatric surgery (provided by a registered podiatric surgeon). Check the hospital cover for exclusions and restricted benefits before choosing.
Compare the cover, not just the premium
Compare Everyday Silver Plus Hospital with ACA and Defence Health before choosing on price. Their cover differs for insulin pumps.
CBHS policies and example prices.
The profile you choose updates the CBHS price tables, hospital shortlist and alternative-policy comparison below.
Single · NSW · $500 hospital excess · example premiums after rebate.
Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.
Need a CBHS price for your circumstances? Compare CBHS with cover across all Australian health funds.
Compare my optionsHospital cover
5 product lines
$61.32 more per month for Advanced Silver Plus Hospital versus Everyday Silver Plus Hospital after rebate for the selected example profile.
Cataracts is an additional inclusion, not the complete list of differences.
Extras cover
3 product lines
CBHS joining offer
Get 8 weeks free plus no extras waits
People eligible to join CBHS get 8 weeks free on a new policy with both hospital and extras cover. The policy must start by 10 November 2026. The first 6 weeks are applied once the policy has been held and paid up to date for 3 months. The last 2 weeks follow after 15 months. Extras waiting periods of two, six and 12 months are waived.
For people eligible to join CBHS, aged 18 or over and living in Australia, who have not been a CBHS policy holder in the last 12 months.
Ends 10 November 2026
Offer termsOffer information checked: 26 October 2026. Prices, benefits and promotions can change. Before applying, check the insurer's official website for current availability, eligibility requirements, expiry dates and full terms. Read our Terms of Use. Report an error to info@healthinsurance.au.
CBHS eligibility and offer terms
Follow CBHS's directions about the membership process when you join. Eligibility and other conditions apply.
Join on a policy with both hospital and extras cover that starts by 10 November 2026. The offer closes at 11:59pm AEDT that day. One offer per new policy; adding a partner or dependant to an existing policy does not qualify.
Keep the policy paid up to date for 3 months to get the first 6 weeks free. The last 2 weeks need 15 consecutive months.
The waiver applies to extras services with a two, six or 12 month waiting period under the policy. Hospital, pre-existing condition and other waiting periods still apply.
CBHS may treat the free weeks not yet given as forfeited if the policy is ended, suspended or in arrears. The same applies if it changes to cover without both hospital and extras.
Nobody who manages or directs CBHS, its related entities or the agencies running the promotion can take part. Nor can the employees or contractors of any of them.
Not available with any other offer unless stated. CBHS may amend the terms, substitute a gift of equal value or end the promotion early.
What does CBHS hospital insurance cover?
2 CBHS hospital policies fully cover cataracts
Single · NSW · $500 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories
Compare selected treatment categories across all 5 hospital policies
Selected CBHS treatment categories.
More premium does not mean more back on everything.
CBHS extras limits per 12 months unless the statement says otherwise
Single-policy examples. Each links to its policy statement.
Essential Extras → Top Extras
The optical limits move from $200 to $375 for the Single-policy examples. Top Extras raises the physio limit from $200 to $720 and adds psychology.
Top Extras: higher benefit examples
The optical examples move from a $140.00 set benefit on Essential Extras to a $270.00 set benefit on Top Extras. It has a $375 optical limit and $720 physio limit for the Single-policy example.Compare these benefits with the premium.
Why CBHS's shared limits and waiting periods matter
Every optical benefit shown has a standard waiting period of 6 months.
CBHS vs. ACA vs. Defence Health
How CBHS compares with similar hospital policies.
These are selected Silver Plus examples from ACA and Defence Health, not identical policies or a search for the cheapest cover across the market.
Comparing CBHS Everyday Silver Plus Hospital with ACA Silver Plus Hospital and Defence Health Core Hospital Silver Plus. Single · NSW · $500 hospital excess · Silver Plus hospital cover
CBHS and selected alternatives: monthly prices and verified coverage differences.
What the differences mean for you
Different policies can come with different treatment benefits. Check whether these differences matter for the cover you need.
Rehabilitation: included with CBHS and Defence Health; restricted with ACA.
Insulin pumps: included with Defence Health; not included with CBHS and ACA.
Pain management with a device: included with ACA; not included with CBHS and Defence Health.
Palliative care: included with Defence Health; restricted with CBHS and ACA.
These alternatives match CBHS Everyday Silver Plus Hospital on tier, cataracts and joint replacements. Like CBHS, these funds limit membership to their eligible communities, so check that you qualify. How we choose alternatives
Compare all 38 hospital treatment categories
CBHS and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.
Compare CBHS with cover from every Australian health fund.
CBHS against the industry.
CBHS members had no gap on 84.2% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
CBHS paid 45.3% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
CBHS increased premiums by an average of 3.25% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026
Complaint share is close to market share, but investigated complaints are higher
Share of all complaints, 2024-251.8%
Market share, 30 June 20251.4%
0%12%
State of the Health Funds Report 2024-25 · checked 26 October 2026
CBHS's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 2.7%, above its market share.
Latest quarter, January to March 2026. The Ombudsman referred 12 complaints about CBHS Health Fund Limited to it to resolve, 1.8% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026
App Store
1.4 / 5
159 App Store ratings
CBHS Health app · CBHS Health Fund Limited
Snapshot: 23 October 2026. CBHS Health is CBHS's own app. This rates the app on the Australian App Store, not CBHS's cover or claims.
Google Play
1.6 / 5
186 Google Play reviewsCBHS Health app · CBHS Health Fund
Snapshot: 23 October 2026. CBHS Health is CBHS's own app. This rates the app on Google Play, not CBHS's cover or claims.
Check the practical details.
Check your provider
Confirm that CBHS recognises your provider. Ask for a treatment plan and item numbers so CBHS can estimate your benefits and out-of-pocket costs.
Make or track a claim
Use CBHS's health claims guidance and member login for receipts, claim tracking and remaining benefits.
Contact CBHS
For sales, call 1300 136 796. Monday to Friday 8am to 7pm (AET).Contact details checked 23 October 2026.Official contact details and messaging options
Before you choose CBHS.
Can anyone join CBHS?
No, CBHS membership is restricted to current and former employees of the Commonwealth Bank Group (CBA Group) and their families, employees of CBA Group contractors and franchisees and their families. Check that you qualify before comparing its cover.
Source: Official CBHS information, checked 26 October 2026.
Who owns CBHS?
CBHS is owned by its members and operates as a not-for-profit fund. That does not make every policy the best value for your needs.
Source: Government insurer profile, checked 23 October 2026.
What is the cheapest CBHS hospital policy?
Value Bronze Plus Hospital is the cheapest CBHS hospital policy for a single person in NSW with a $500 hospital excess, at $107.00 a month after the 24.118% government rebate for adults under 65 (prices effective 1 September 2026). This compares all 5 CBHS hospital policies, not the whole market. Check what it excludes before choosing on price.
Source: How we compare prices, checked 26 October 2026.
What changes if I move from Value Bronze Plus Hospital to Everyday Silver Plus Hospital?
CBHS Everyday Silver Plus Hospital adds full cover for heart and vascular system, implantation of hearing devices and 3 more categories compared with Value Bronze Plus Hospital. For the Single / NSW / $500 excess example it costs $23.18 more a month, so check what each policy covers before you upgrade.
Source: Private Health Information Statements, checked 26 October 2026.
Sources for CBHS.
Policy information retrieved 26 October 2026. Prices effective 1 September 2026.
Private Health Information Statements · CBHS · checked 26 October 2026
State of the Health Funds Report 2024-25 · CBHS · checked 26 October 2026
Government insurer profile · CBHS · checked 23 October 2026
Government premium-increase figures · CBHS · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
App Store listing for CBHS Health · CBHS Health Fund Limited · checked 23 October 2026
Google Play listing for CBHS Health · CBHS Health Fund · checked 23 October 2026
Official contact details · CBHS · checked 23 October 2026
Offer terms · CBHS · checked 26 October 2026
Official CBHS information · CBHS · checked 26 October 2026
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