Top Extras
An extras policy from CBHS Health.
- CBHS Health only takes current and past employees of Commonwealth Bank Group, franchisees, contractors, and their families.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement CBHS Health files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, NT, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Not covered
- Who can join
- Restricted
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other extras policy in NSW & ACT
Single cover, corporate and restricted policies included. Further right covers more services, higher up costs more.
It covers 27 services for $111.41 a month. Of the 396 other policies, 263 cost less and 0 cover more services.
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
No excess
| State | Single | Couple | Family | Single parent | Extended family | Extended single parent |
|---|---|---|---|---|---|---|
| NSW & ACT | $111.41 | $222.82 | $222.82 | $222.82 | $289.68 | $289.68 |
| VIC | $99.06 | $198.12 | $198.12 | $198.12 | $257.57 | $257.57 |
| QLD | $104.04 | $208.09 | $208.09 | $208.09 | $270.53 | $270.53 |
| SA | $101.23 | $202.45 | $202.45 | $202.45 | $263.21 | $263.21 |
| WA | $97.37 | $194.74 | $194.74 | $194.74 | $253.15 | $253.15 |
| TAS | $96.98 | $193.96 | $193.96 | $169.74 | $252.16 | $220.65 |
| NT | $95.03 | $190.06 | $190.06 | $166.79 | $247.09 | $216.84 |
Pays towards 27 of 27 standard services
Yearly limits, per person, against the typical policy
- General dentalNo annual 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
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$38.00typical policy $35.20
- Scale and clean (item 114)$68.00typical policy $66.85
- Full crown, veneered (item 615)$750.00typical policy $773.80
- Single vision lenses and frames$270.00typical policy $220.00
- Physiotherapy, first visit$61.00typical policy $42.00
- Psychology, first visit$140.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Example benefits (all states) |
|---|---|---|---|
| General dental | 2 months | No annual limit | Periodic oral exam (item 012): $38.00Scale and clean (item 114): $68.00Fluoride treatment (item 121): $27.00Simple extraction (item 322): $182.00 |
| Major dentalconditions apply | 12 months | $7,340 | Full crown, veneered (item 615): $750.00 |
| Endodontic (root canals) | 6 months | $660 | Root canal filling (item 417): $157.00 |
| Orthodontics | 12 months | $2,800, $2,800 lifetime | Braces, upper and lower, with retainer (item 881): $2,800.00 |
| Optical | 6 months | $375 | Multifocal lenses and frames: $350.00Single vision lenses and frames: $270.00 |
| Non-PBS medicines | 2 months | $1,000shared with vaccinations | Non-PBS prescription: $75.00 |
| Physiotherapy | 2 months | $720 | Physiotherapy, first visit: $61.00Physiotherapy, later visit: $43.00 |
| Chiropractic | 2 months | $720 | Chiropractic, first visit: $61.00Chiropractic, later visit: $40.00 |
| Podiatry | 2 months | $400 | Podiatry, first visit: $50.00Podiatry, later visit: $35.00 |
| Psychology | 2 months | $450 | Psychology, first visit: $140.00Psychology, later visit: $80.00 |
| Acupuncture | 2 months | $450shared with chinese herbal medicine | Acupuncture, first visit: $33.00Acupuncture, later visit: $33.00 |
| Remedial massage | 2 months | $450 | Remedial massage, first visit: $33.00Remedial massage, later visit: $33.00 |
| Hearing aidsconditions apply | 12 months | $1,600 | Hearing aid: 100% |
| Blood glucose monitorsconditions apply | 12 months | $500 | Blood glucose monitor: 100% |
| Audiology | 2 months | $360 | Audiology, first visit: $60.00Audiology, later visit: $60.00 |
| Antenatal and postnatal | 2 months | $105 | Antenatal and postnatal, first visit: 100%Antenatal and postnatal, later visit: 100% |
| Chinese herbal medicine | 2 months | $450shared with acupuncture | Chinese herbal medicine, first visit: $33.00Chinese herbal medicine, later visit: $33.00 |
| Dietetics | 2 months | $360 | Dietetics, first visit: $75.00Dietetics, later visit: $42.00 |
| Exercise physiology | 2 months | $360 | Exercise physiology, first visit: $35.00Exercise physiology, later visit: $35.00 |
| Orthoptics | 2 months | $455 | Orthoptics, first visit: $60.00Orthoptics, later visit: $60.00 |
| Health management programs | 2 months | $415 | Health management program: 100% |
| Home nursing | 2 months | $2,800 | Home nursing, first visit: $80.00Home nursing, later visit: $80.00 |
| Occupational therapy | 2 months | $720 | Occupational therapy, first visit: $61.00Occupational therapy, later visit: $35.00 |
| Orthotics | 12 months | $1,000 | Orthotics: $145.00 |
| Osteopathy | 2 months | $720 | Osteopathy, first visit: $61.00Osteopathy, later visit: $35.00 |
| Speech therapy | 2 months | $1,850 | Speech therapy, first visit: $95.00Speech therapy, later visit: $46.00 |
| Vaccinations | 2 months | $1,000shared with non-pbs medicines | Vaccination: $75.00 |
Preventative dental is not counted against the dental limit.
Other services: OTHER BENEFITS: Unlimited preventative dental; other Artificial Aids; Travel and accommodation - $500; Midwifery services (excl. home births) - $500. Contact CBHS for further details.
From the insurer: CBHS Wellness Benefits assist you in proactively managing your health and wellbeing. You'll be covered for a variety of health checks and health management programs designed to assist you in living a healthier, happier life.
Major Dental: Sublimit for Periodontic is $630, Inlays/Onlays/Facings/Veneers is $1440, Dentures and Implants is $1350, Crowns and Bridges is $3000 and Occlusal Therapy is $920. The $920 for Occlusal Therapy is a lifetime limit. Dentures and Implants, Inlays/Onlays/Facings/Veneers are in any 5 years. Hearing Aids and Blood Glucose Monitors are in any 3 years. Contact CBHS for further details.
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
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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.