Compare CDH Benefits Fund health insurance


Launched as a health fund for miners in 1952, now covering the wider community.

Fund information


CDH Benefits Fund summary

Is CDH Benefits Fund nonprofit? 

Does CDH Benefits Fund get many complaints from members? 

How good is CDH Benefits Fund's gap cover? 

How many hospital agreements does CDH Benefits Fund have in my state? 

Does CDH Benefits Fund offer any discounts?

Does CDH Benefits Fund offer ambulance cover?

Does CDH Benefits Fund let you claim online or in-app?

What CHOICE Community says about CDH Benefits Fund


CDH Benefits Fund summary

CDH

Cessnock District Health Benefits Fund Ltd (CDH) began as a health fund for miners in 1952. A nonprofit health fund, CDH continues to provide comprehensive coverage for that industry as well as the wider community, with about 5400 current members. It is also known as Hunter Health Insurance.

CDH Benefits Fund contact details

Phone: 02 4990 1385

Email: enquiries@cdhbf.com.au

Website: www.cdhbf.com.au


Is CDH Benefits Fund nonprofit?

Yes.

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Does CDH Benefits Fund get many complaints from members?

CDH Benefits Fund complaints rating: Low

  • 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 CDH Benefits Fund'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 CDH Benefits Fund 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.

CDH Benefits Fund gap cover performance by state

New South Wales (NSW)

Average

Australian Capital Territory (ACT)

No rating

Victoria (Vic)

No rating

Queensland (Qld)

No rating

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)

CDH Benefits Fund – 87.4%

Industry average – 86.3%

How many hospital agreements does CDH Benefits Fund 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 CDH Benefits Fund 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.

CDH Benefit Fund has

ACT

5 private hospital agreements out of an industry maximum of 7

6 day hospital agreements out of an industry maximum of 8

NSW

75 private hospital agreements out of an industry maximum of 100

53 day hospital agreements out of an industry maximum of 100

NT

1 private hospital agreements out of an industry maximum of 2

1 day hospital agreements out of an industry maximum of 2

Qld

51 private hospital agreements out of an industry maximum of 58

30 day hospital agreements out of an industry maximum of 53

SA

22 private hospital agreements out of an industry maximum of 27

14 day hospital agreements out of an industry maximum of 28

Tas

6 private hospital agreements out of an industry maximum of 8

6 day hospital agreements out of an industry maximum of 6

Vic

75 private hospital agreements out of an industry maximum of 79

62 day hospital agreements out of an industry maximum of 79

WA

18 private hospital agreements out of an industry maximum of 23

13 day hospital agreements out of an industry maximum of 29

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Does CDH Benefits Fund offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Total discount for annual prepay via direct debit: None


Does CDH Benefits Fund offer ambulance cover?

CDH Benefits Fund doesn't cover emergency ambulance in Victoria, Western Australia, Northern Territory or South Australia.

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 CDH Benefits Fund let you claim online or in-app?

Extras services can be claimed online; hospital claims can be emailed. There's also an iOS and Android app that can be accessed from the health fund's website.


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What CHOICE Community says about CDH Benefits Fund

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