Meets visa requirements as set by the Department of Home Affairs (DoHA)

In most cases, you'll receive your Visa Certificate instantly when you join CBHS International

100% of the charge for medically necessary transport to a hospital or treatment at the scene due to an accident or medical emergency

Agreement provider: Up to 100% of the agreed rate, except for services when an exclusion applies. Non-agreement provider: Up to 100% of the Medicare Benefits Schedule (MBS) Fee, where an MBS item number is provided, except where an exclusion applies.

Up to 100% of the Medicare Benefits Schedule (MBS) Fee, except for services where an exclusion applies. If you visit a GP we have an agreement with, it may help reduce or eliminate the out-of-pocket costs you need to pay.

Medicine prescribed to you by a doctor. PBS co-payment up to $75 per script. Annual limit applies per person per calendar year based on level of cover.

A doctor specialising in a particular field, eg. a surgeon or a cardiologist. Check benefit limits with CBHS International before making an appointment.

Services including blood tests, x-rays and ultrasounds. Covered up to 100% of the MBS.

The program provides you In Home Hospital Care, Rehabilitation and Wound Management services to reduce the time spent in hospital and recover from the comfort of your own home.

Maximum benefit is $160 where you're admitted into a private hospital.

If you go to a hospital emergency department (instead of a GP), you may be charged a facility fee by the hospital.

An excess is the amount you pay towards the cost of your hospital admission before any benefit is payable.

For overnight hospital stays in private and public hospitals. 100% cover for agreement private hospitals. We pay the State gazetted rate for public hospital stays. Some public charge more than this which means you will have to pay the difference.

100% of the Medicare Benefits Schedule (MBS)

Medication provided as part of your in hospital treatment

12 month waiting period for pregnancy and birth related services. It’s important that you contact us as soon as you become pregnant so we can ensure you understand what you are covered for.

Restricted benefits - means hospital accommodation benefits are reduced to the Minimum Benefit rate (set by the Federal Government) and no benefit is payable for theatre fees, intensive care and labour ward when you attend a Private (agreement) Hospital. This could result in substantial out-of-pocket costs.

Public Hospital
The benefit payable at a public hospital shall be paid at Gazetted Rates for the episode for patients who do not hold a valid Medicare card (irrespective of which service). No Benefit is payable where an Exclusion applies.

Non-agreement Private Hospital
The benefit payable with respect to accommodation at a non-agreement private hospital shall be restricted to the Minimum Benefit and no benefit shall be paid for theatre, intensive care or labour ward fees (irrespective of which service) or where an Exclusion applies.

2 month waiting period for rehabilitation services (except for pre-existing conditions and pregnancy, which have a 12-month waiting period).

Restricted benefits - means hospital accommodation benefits are reduced to the Minimum Benefit rate (set by the Federal Government) and no benefit is payable for theatre fees, intensive care and labour ward when you attend a Private (agreement) Hospital. This could result in substantial out-of-pocket costs.

Public Hospital
The benefit payable at a public hospital shall be paid at Gazetted Rates for the episode for patients who do not hold a valid Medicare card (irrespective of which service). No Benefit is payable where an Exclusion applies.

Non-agreement Private Hospital
The benefit payable with respect to accommodation at a non-agreement private hospital shall be restricted to the Minimum Benefit and no benefit shall be paid for theatre, intensive care or labour ward fees (irrespective of which service) or where an Exclusion applies.

2 month waiting period for hospital psychiatric services (except for pre-existing conditions and pregnancy, which have a 12-month waiting period).

Restricted benefits - means hospital accommodation benefits are reduced to the Minimum Benefit rate (set by the Federal Government) and no benefit is payable for theatre fees, intensive care and labour ward when you attend a Private (agreement) Hospital. This could result in substantial out-of-pocket costs.

Public Hospital
The benefit payable at a public hospital shall be paid at Gazetted Rates for the episode for patients who do not hold a valid Medicare card (irrespective of which service). No Benefit is payable where an Exclusion applies.

Non-agreement Private Hospital
The benefit payable with respect to accommodation at a non-agreement private hospital shall be restricted to the Minimum Benefit and no benefit shall be paid for theatre, intensive care or labour ward fees (irrespective of which service) or where an Exclusion applies.

2 month waiting period for palliative care services (except for pre-existing conditions and pregnancy, which have a 12-month waiting period).

Restricted benefits - means hospital accommodation benefits are reduced to the Minimum Benefit rate (set by the Federal Government) and no benefit is payable for theatre fees, intensive care and labour ward when you attend a Private (agreement) Hospital. This could result in substantial out-of-pocket costs.

Public Hospital
The benefit payable at a public hospital shall be paid at Gazetted Rates for the episode for patients who do not hold a valid Medicare card (irrespective of which service). No Benefit is payable where an Exclusion applies.

Non-agreement Private Hospital
The benefit payable with respect to accommodation at a non-agreement private hospital shall be restricted to the Minimum Benefit and no benefit shall be paid for theatre, intensive care or labour ward fees (irrespective of which service) or where an Exclusion applies.

Weight loss surgery is considered a pre-existing condition and has a 12-month waiting period.

Restricted benefits - means hospital accommodation benefits are reduced to the Minimum Benefit rate (set by the Federal Government) and no benefit is payable for theatre fees, intensive care and labour ward when you attend a Private (agreement) Hospital. This could result in substantial out-of-pocket costs.

Public Hospital
The benefit payable at a public hospital shall be paid at Gazetted Rates for the episode for patients who do not hold a valid Medicare card (irrespective of which service). No Benefit is payable where an Exclusion applies.

Non-agreement Private Hospital
The benefit payable with respect to accommodation at a non-agreement private hospital shall be restricted to the Minimum Benefit and no benefit shall be paid for theatre, intensive care or labour ward fees (irrespective of which service) or where an Exclusion applies.