CBHS Corporate

---

About CBHS Corporate

What is CBHS Corporate? 

CBHS Corporate Health (CBHS Corporate) is a private health insurer that operates as an open health fund. 

It offers health cover for individuals and workplaces.

CBHS Corporate is part of the Commonwealth Bank of Australia Group (CBA Group). 

Background 

In 1951, the Commonwealth Bank of Australia set up CBHS Health, which was originally known as The Commonwealth Bank Health Society. Its aim was to give its staff access to affordable health insurance. It is a closed health fund. 

In 2016, the CBA Group launched CBHS Corporate as an open health fund.

Who can join CBHS Corporate?

Anyone can join CBHS Corporate because it is an open health fund.

What products does CBHS Corporate offer?

CBHS Corporate offers the following products:

• Hospital Cover
• Extras Cover
• Combined Hospitals and Extras Cover
• Ambulance Only Cover
• Overseas Visitors Health Insurance (OVHC)
• Overseas Student Health Insurance (OSHC).

Do CBHS Corporate policies include Ambulance Cover?

CBHS Corporate includes emergency Ambulance Cover with Hospital Cover.

Does CBHS Corporate offer corporate policies?

Yes. CBHS Corporate provides corporate policies to certain organisations. Search your organisation’s website or intranet to find out whether a corporate health insurance policy is available to you, and what conditions apply.

---

Is CBHS Corporate a not-for-profit health insurer?

No. CBHS Corporate is a for-profit health insurer.

---

Does CBHS Corporate operate in all Australian states and territories?

Yes. CBHS Corporate operates in all Australian states and territories.

---

How does CBHS Corporate Hospital Cover compare with other insurers?

Benchmarks	CBHS Corporate	Industry average
Member retention for Hospital Cover	71.1%	86.9%
% hospital-related charges covered	84.8%	89.9%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report 2023

---

Does CBHS Corporate have agreements with some private hospitals or day hospitals to provide services at low cost or with no out-of-pocket costs?

Yes. CBHS Corporate has agreements with a number of private hospitals that allow it to provide services to its members at low cost or with no out-of-pocket costs:

Location	Number of private Agreement Hospitals	Industry maximum
ACT	5	6
NSW	98	98
NT	2	2
QLD	51	60
SA	20	23
TAS	5	9
VIC	75	76
WA	22	24

CBHS Corporate also has agreements with a number of day hospitals so it can provide services at low cost or with no out-of-pocket costs:

Location	Number of day Agreement Hospitals	Industry maximum
ACT	8	9
NSW	87	103
NT	1	2
QLD	47	57
SA	25	30
TAS	6	8
VIC	70	79
WA	19	24

Source: CBHS Corporate: performance

---

How does CBHS Corporate Extras Cover compare with other insurers?

Benchmark	CBHS Corporate	Industry average
% Extras Cover charges covered	48.7%	51.1%

Source: Private Health Insurance Ombudsman: State of the Health Funds Report 2023

---

How does CBHS Corporate compare with other private health insurers?

Benchmarks	CBHS Corporate	Industry average
Market share	<0.1%	–
% services with no gap	82.1%	88.3%
% services with no gap or where known gap payment made	93.1%	97.2%
Market share of complaints to the PHIO	0.1%	3.1%
% complaints investigated by the PHIO	0.0%	3.1%
Benefits as a % of contributions	84.0%	80.5%
Management expenses as a % of contribution income	27.3%	13.1%
Management expenses per average policy	$1,187	$592

Source: Private Health Insurance Ombudsman: State of the Health Funds Report 2023

---

Is CBHS Corporate a member of any industry associations? 

Yes. CBHS Corporate is a member of Private Healthcare Australia (PHA), a body that represents 20 registered health insurers and 97% of people covered by private health insurance. 

It is also a member of the Members Health Fund Alliance, an alliance of not-for-profit, member-owned, regional or community-based health insurers.

---

Does CBHS Corporate let me claim online or via an app?

Yes. CBHS Corporate allows you to make a claim online via email. You can use your CBHS member login to lodge a claim.

---

How to contact CBHS Corporate

Phone:

1300 586 462

Website:

https://www.cbhscorporatehealth.com.au/

Email:

help@cbhscorp.com.au

Address:

Level 16
6 Hassall Street
PARRAMATTA NSW 2150

Postal address:

CBHS Corporate Health
Locked Bag 5098
PARRAMATTA NSW 2124

---

Compare CBHS Corporate with other private health insurers

Use our healthslips.com.au Calculator to find the best health insurance for you.