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
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.
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.
- Well above average
- Above average
- Below average
- Well below average
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.
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).
All CBHS Corporate Health hospital and combined policies cover emergency ambulance in all states.
- 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.
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.
Stock images: Getty, unless otherwise stated.