A premium level package cover with the same benefits as Comprehensive Hospital and Top Extras plus more…

• No restrictions on treatments received as an admitted patient for which a Medicare Benefit Schedule Fee is applicable
• $70 daily co-payment excluding children under 13 years of age
• Access Gap Cover plus $200 Gap assist which will help you with additional out-of-pocket expenses
• Generous overall benefits compared to Top Extras
• Access to private hospitals with emergency Ambulance

hospital component

what’s covered?

LiveLife hospital cover will cover you for:

• Accommodation for overnight, same day and intensive care covered for private or shared room in agreement private and public hospitals

• Theatre and labour ward fees covered in agreement private hospitals (excluding restricted services*)

• Medical expenses related to providers for services while admitted in hospital e.g. fees from doctors, surgeons, anaesthetists, radiologists, pathology, imaging etc. Covered for all services eligible for benefits from Medicare up to Medicare Benefits Schedule (MBS) fee. Members have their choice of doctor/surgeon in a public or private hospital. CBHS will cover the difference between the Medicare benefit and the MBS fee for services provided as an admitted patient to a hospital

• Access Gap Cover is where a provider chooses to participate under an arrangement with the fund. CBHS covers up to 100% of an agreed amount in excess of the MBS fee which reduces or eliminates your out-of-pocket medical expenses. (i.e. surgeons, anaesthetists, pathology, imaging fees etc)

• Surgically implanted prostheses covers 100% of a Government approved prostheses where a Medicare benefit Schedule Fee is applicable. Members may experience a gap for items approved by the Government that have an applicable gap payment

• Pharmacy covers most drugs related to the reason for your admission in agreement private hospitals

• Boarder accommodation covers 100%, up to $160 per admission, if not included in hospital agreement

• Emergency ambulance transport for an accident or medical emergency by approved ambulance providers

• Hospital Services where a Medicare benefit is payable (excluding restricted services*)

*Restricted Services

Restricted services are eligible only for restricted benefits. Restricted benefits are payable only at the minimum rate specified by law. Restricted benefits may only provide a benefit similar to a public hospital shared room rate. Restricted benefits may not be sufficient to cover admissions in a private hospital.

The following treatments are restricted services:

• Cosmetic surgery
• Podiatry surgery
• Laser eye surgery
   

 what’s not covered?

LiveLife hospital cover will not cover you for:

• If a member is admitted into a non-agreement private hospital, benefits are payable only at the minimum rate specified by law. These benefits may only provide a benefit similar to a public hospital shared room rate. These benefits may not be sufficient to cover admissions in a non-agreement private hospital
• Hospital services received within policy waiting periods
• Nursing home type patient contribution, respite care or nursing home fees
• Take home/discharge drugs (non-PBS drugs may be eligible for benefits from your Extras cover)
• Aids not covered in hospital agreement (may be eligible for benefits from your Extras cover)
• Services claimed over 24 months after the service date
• Services provided in countries outside of Australia
• Prostheses used for cosmetic procedures, where no Medicare benefit is payable
• Ambulance transfers between hospitals

A daily co-payment of $70 applies to LiveLife. This means that if you go into hospital you will pay $70 for every day that you are there, up to a maximum of 6 days per person or 12 days per family in a calendar year. With LiveLife, no co-payment is payable for dependant children under the age of 13.

 extras component

 dental

  prescribed optical appliances

therapies

alternative therapies

general health

+  ^{Travel is only payable for a patient who requires essential medical and dental treatment, where it is not available at a facility within a 160km round trip of the member’s home. In order to claim travel a patient must be visiting a specialist and will require a referral letter.}

health care aids

(2 month waiting period)

^{^}Benefits on first aid courses and kits are only payable when provided by recognised CBHS providers. First aid course must be completed for benefits to be applicable to the first aid kit. Excludes replacement first aid items.

¹ CBHS can only pay a benefit for gym membership/personal trainer/pilates /yoga where the gym/ personal trainer/yoga/pilates service is provided as part of a health management program, certified by your GP or a recognised provider confirming that the gym/personal trainer/yoga/pilates program is a health management program. Approval form is available from CBHS. Please note that GP consultations are not covered by CBHS.

² Must be approved by CBHS

Benefit Period

Each group of services within Extras and Package covers have an overall limit on the amount you can claim. Most limits are based on per person per calendar year entitlement, unless otherwise stated.

Benefits which attract any 3 or 5 year period are entitled to have the benefit renewed on the same date which the service was performed respectively.

Per Service Benefit

Most CBHS Extras benefits are subject to a Per Service Benefit. Generally, the maximum benefit for an individual Extras service is 70% of the service fee up to a Per Service Benefit within the overall category limit.

Example
The maximum payment for the service 'extraction of a full tooth' is 70% of the cost up to the Per Service Benefit of $70.

If your dentist charges you $80 for this service, you would receive a benefit payment of $56 (70% of $80 is $56).

If your dentist charges you $110 for this service, you would receive a benefit payment of $70. While 70% of $110 is $77, the Per Service benefit for this service is $70 - the amount you would receive.

Download LiveLife Product Sheet

Download CBHS Contribution Rates Brochure

When deciding if this product is right for you, please refer to the CBHS Health Benefit Fund Rules. This information should be read carefully and retained.

• choice network
• access gap
• waiting periods
• going to hospital