CBHS Health
11 open policies in the October 2026 data. Membership is restricted.
Registered as CBHS Health Fund Limited.
Who can join, as the fund puts it: current and past employees of Commonwealth Bank Group, franchisees, contractors, and their families.
This insurer is a mutual organisation that operates on a not-for-profit basis.
cbhs.com.au, phone 1300 654 123
- Hospital
- 6
- Hospital and extras
- 1
- Extras
- 4
- Closed to new members
- 17
How its premiums compare in NSW & ACT
CBHS Health's cheapest single hospital policy in each tier against every other insurer's cheapest, restricted funds included, from October 2026 data.
- BasicHospital only$119.1718th cheapest of 27
- BronzeHospital only$130.4811th cheapest of 29
- SilverHospital only$156.525th cheapest of 28
- GoldHospital only$294.3215th cheapest of 24
- Basic. Its cheapest single Basic hospital policy in NSW & ACT is Starter Basic Plus Hospital, at $119.17 a month before the rebate with a $750 excess: 18th cheapest of 27 insurers. See every insurer
- Bronze. Its cheapest single Bronze hospital policy in NSW & ACT is Value Bronze Plus Hospital, at $130.48 a month before the rebate with a $750 excess: 11th cheapest of 29 insurers. See every insurer
- Silver. Its cheapest single Silver hospital policy in NSW & ACT is Everyday Silver Plus Hospital, at $156.52 a month before the rebate with a $750 excess: 5th cheapest of 28 insurers. See every insurer
- Gold. Its cheapest single Gold hospital policy in NSW & ACT is Complete Gold Hospital, at $294.32 a month before the rebate with a $750 excess: 15th cheapest of 24 insurers. See every insurer
What a single pays each month, cheapest to dearest policy
Monthly, before the rebate, across every excess option.
- NSW & ACT$119.17 to $349.44
- VIC$127.27 to $377.52
- QLD$129.31 to $370.24
- SA$115.14 to $313.04
- WA$99.02 to $304.72
- TAS$127.27 to $341.12
- NT$75.75 to $223.60
- NSW & ACT$164.75
- VIC$161.77
- QLD$166.01
- SA$161.20
- WA$161.20
- TAS$157.52
- NT$157.04
- NSW & ACT$5.33 to $111.41
- VIC$5.33 to $99.06
- QLD$5.33 to $104.04
- SA$5.33 to $101.23
- WA$5.33 to $97.37
- TAS$5.33 to $96.98
- NT$5.33 to $95.03
Show the figures
| State | Hospital | Hospital and extras | Extras |
|---|---|---|---|
| NSW & ACT | $119.17 to $349.44 | $164.75 | $5.33 to $111.41 |
| VIC | $127.27 to $377.52 | $161.77 | $5.33 to $99.06 |
| QLD | $129.31 to $370.24 | $166.01 | $5.33 to $104.04 |
| SA | $115.14 to $313.04 | $161.20 | $5.33 to $101.23 |
| WA | $99.02 to $304.72 | $161.20 | $5.33 to $97.37 |
| TAS | $127.27 to $341.12 | $157.52 | $5.33 to $96.98 |
| NT | $75.75 to $223.60 | $157.04 | $5.33 to $95.03 |
What CBHS Health covers, and what it pays back
Hospital
Its seven hospital policies come with no excess or one of $500 or $750. Four of the seven drop the excess for children on the policy. All seven offer the youth discount: up to 10% off for people who join between 18 and 29.
Waiting periods are the standard ones: 12 months for pre-existing conditions and pregnancy, and two months for everything else, psychiatric, rehab and palliative care included. That's the most the law lets a fund make you wait. All seven cover emergency ambulance trips only.
Extras
CBHS Health has four policies with extras, covering anywhere from 12 to 27 of the 27 services insurers report on. Here's the most any of them pays back on common claims, and the highest yearly limits, next to the typical policy among the 708 on the market.
The most it pays back on common claims
- $38.00typical policy $35.20
- $68.00typical policy $66.85
- $750.00typical policy $773.80
- $270.00typical policy $220.00
- $61.00typical policy $42.00
- $140.00typical policy $75.00
Its highest yearly limits for a single
- General dentalNo yearly limittypical policy $800
- Major dental$7,340typical policy $1,000
- Optical$375typical policy $220
- Physiotherapy$720typical policy $450
- Chiropractic$720typical policy $400
- Psychology$450typical policy $400
Benefits are what you'd get back from a provider outside the fund's preferred network, using the national figure or NSW's where a policy pays differently by state. Items paid as a percentage of the fee aren't included. Limits are per person per year on a single policy, and some funds pool several services under one limit. Corporate policies aren't counted. See how every fund compares in what extras pay back, or every policy side by side in the extras explorer.
Hospital policies 6
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| Starter Basic Plus Hospital | Basic Plus | $75.75NT | All | $750 |
| Value Bronze Plus Hospital | Bronze Plus | $78.65NT | All | $500, $750 |
| Everyday Silver Plus Hospital | Silver Plus | $96.94NT | All | $500, $750 |
| Advanced Silver Plus Hospital | Silver Plus | $164.80NT | All | $500, $750 |
| Complete Gold Hospital | Gold | $197.60NT | All | $0, $500, $750 |
| Complete Gold Hospital Co-payment | Gold | $218.40NT | All | $0 |
Hospital and extras policies 1
| Policy | Tier | From | Sold in | Excess options |
|---|---|---|---|---|
| KickStart (Basic Plus) | Basic Plus | $157.04NT | All | $0 |
Extras policies 4
| Policy | From | Sold in | Services |
|---|---|---|---|
| Ambulance Cover | $5.33NSW & ACT | All | Ambulance only |
| Essential Extras | $38.31TAS | All | 12 |
| Intermediate Extras | $59.67TAS | All | 18 |
| Top Extras | $95.03NT | All | 27 |
CBHS Health also has 17 older policies (574 priced variants) closed to new members, which existing members can keep. They are counted here but not listed. Compare its hospital cover with every other insurer's in the hospital explorer.
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.
Questions about CBHS Health
- Who can join CBHS Health?
- It's a restricted fund. Who can join, as CBHS Health puts it: current and past employees of Commonwealth Bank Group, franchisees, contractors, and their families. CBHS Health sells 11 policies to new members (6 hospital-only, 1 combined and 4 extras-only), going by the October 2026 data.
- How much does CBHS Health pay for a dental check-up?
- Up to $38.00 for a check-up (dental item 012) on its Essential Extras policy, at a dentist outside its preferred network. The typical extras policy across the market pays $35.20.