Compare CBHS Corporate Health health insurance


A nonprofit health fund for individuals and workplaces that also promotes employee wellbeing.

Fund information


CBHS Corporate Health summary

Is CBHS Corporate Health nonprofit? 

Does CBHS Corporate Health get many complaints from members? 

How good is CBHS Corporate Health's gap cover? 

How many hospital agreements does CBHS Corporate Health have in my state? 

Does CBHS Corporate Health offer any discounts?

Does CBHS Corporate Health offer ambulance cover?

Does CBHS Corporate Health offer family policies that cover adult children?

Does CBHS Corporate Health let you claim online or in-app?

What CHOICE Community says about CBHS Corporate Health

CBHS Corporate Health summary

CBHS

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, and has 210,000 members. It's part of the CBHS Health Fund which was established in 1951 by the Commonwealth Bank.

CBHS Corporate Health contact details

Phone: 1300 586 462

Email: help@cbhscorp.com.au

Website: cbhscorporatehealth.com.au


Is CBHS Corporate Health nonprofit?

No. But CBHS Corporate Health's parent company is a nonprofit restricted-membership health fund.

Find better health cover with CHOICE. Compare health insurance now.

Does CBHS Corporate Health get many complaints from members?

CBHS Corporate Health is a newcomer to the market, and doesn't have enough members for us to accurately calculate a meaningful complaints rating. We use the complaints rating of its parent fund, CBHS Health Fund.

CBHS Corporate Health complaints rating: Medium

  • 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

  • Above average
  • Average
  • Below average
  • Well below average

We also display the percentage of medical services that CBHS Corporate Health covers with no gap, and compare it to the industry average. The higher the percentage, the more effective the fund's gap scheme is in a state or territory.

CBHS Corporate Helath gap cover performance by state

New South Wales (NSW)

Below average

Australian Capital Territory (ACT)

No rating

Victoria (Vic)

Above average

Queensland (Qld)

Above average

South Australia (SA)

No rating

Western Australia (WA)

No rating

Tasmania (Tas)

No rating

Northern Territory (NT)

No rating

Percentage of medical services covered with no gap

New South Wales (NSW)

CBHS Corporate Health – 70.0%

Industry average – 86.3%

Victoria (Vic) 

CBHS Corporate Health – 100.0%

Industry average – 85.0%

Queensland (Qld) 

CBHS Corporate Health – 100.0%

Industry average – 85.1%

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 has

ACT

6 private hospital agreements out of an industry maximum of 7

7 day hospital agreements out of an industry maximum of 8

NSW

100 private hospital agreements out of an industry maximum of 100

89 day hospital agreements out of an industry maximum of 100

NT

2 private hospital agreements out of an industry maximum of 2

1 day hospital agreements out of an industry maximum of 2

Qld

53 private hospital agreements out of an industry maximum of 58

48 day hospital agreements out of an industry maximum of 53

SA

25 private hospital agreements out of an industry maximum of 27

25 day hospital agreements out of an industry maximum of 28

Tas

5 private hospital agreements out of an industry maximum of 8

3 day hospital agreements out of an industry maximum of 6

Vic

78 private hospital agreements out of an industry maximum of 79

75 day hospital agreements out of an industry maximum of 79

WA

22 private hospital agreements out of an industry maximum of 23

23 day hospital agreements out of an industry maximum of 29

Find better health cover with CHOICE. Compare health insurance now.

Does CBHS Corporate Health offer any discounts?

Discount for direct debit: None

Discount for annual prepay: 2% for six or 12 month prepayment

Total discount for annual prepay via direct debit: None

Does CBHS Corporate Health offer ambulance cover?

All CBHS Corporate Health hospital and combined policies cover emergency ambulance in all states.

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In 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 WA: 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 WA: 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?

Yes, adult children are covered up to age 25 if in full-time study and not living with a partner.


Does CBHS Corporate Health let you claim online or in-app?

Online claiming and app (iOS and Android) for extras services including optical, dental and physio, and some additional services including ambulance, hypnotherapy blood glucose services, travel and accommodation.


Find better health cover with CHOICE. Compare health insurance now.

What CHOICE Community says about CBHS Corporate Health

The CHOICE Community is the online forum for Australian consumers, open to CHOICE members and supporters. Join the conversation about CBHS Corporate Health to share your experiences or gain more insights into this health fund.