CBHS Health Fund

I paid in advance 7 weeks ago, up until End of Dec 27, because the Feds Budget changed seniors rebate structure, they now want to refund the advance paymnet so they can charge me the higher ammount in July 27, rotten mongrels. Dont touch them. Show details

Trying to deal with this health fund is a joke. You ring them as instructed only to be put through to people who obviously have no training or can’t be bothered to resolve simple issues. You are shut down almost immediately and told to send them an email and waste valuable time trying to get a simple matter rectified. It drags over days and days and frustration builds up. Beyond terrible customer service! Show details

On paper CBHS offered slightly better value than my Westfund cover, and had a promotion going, so I switched. What a mistake. Every interaction with CBHS, from signing up to claiming, has been a mess. I'm going back to Westfund. Show details

Fantastic cover – I've had my extras policy for years and always get asked what insurance company I am with when I use it. Also added on hospital cover last year and very happy with the cover. Show details ·  1

Best health insurance on NSW – CBHS is one of the top health insurance in extras etc on dental issue only they , in many ways , you need to have been a staff of the bank sometime in the past to be acceptable, very competitive Insurace? Show details ·  1

What a poor company with little to no benefits. I, and now my family have had cover for approx 20 years and would hate no know how much I have ‘donated’ to them in this time vs what they have actually covered. Let down by them again today finding out that it won’t be worth claiming for my daughters upcoming surgery and hospital visit. And yet they are permitted to increase their premiums whenever they feel like it. Absolute grubs!! Show details

Very disappointing - Claims manager ([Name Removed]) with no empathy and compassion, almost like a robot! I have been with the CBHS health fund for over 20 years, paying an estimated $100K in private health insurance fees. My recent claim for a knee brace, costing $63 was denied, needing a referral letter from the doctor. My knee has since… Read more

recovered and wasting my GPs time for that is an absolute joke. Unfortunately, [Name Removed] the claims manager was unable to show some empathy and to approve the claim on compassionate grounds, as this is only the 2nd time in 20 years I made a claim for an artificial aid.

I am completely shocked and disappointed with CBHS. They are imposing unlawful conditions to cancel my health insurance policy, specifically demanding that I provide my personal outbound flight ticket to prove I moved abroad before they will process the cancellation. I have been waiting for over two weeks for confirmation, despite clearly… Read more

requesting termination of my policy. This level of delay and insistence on sharing personal travel documents is unacceptable and feels misleading.

I do not consent to sharing my flight ticket — cancellation is my right. This experience has seriously damaged my trust in CBHS.

Horrible and convoluted claims system even for simple things. Website is a shambles. Speak to different customer service reps and get completely different answers. Lack of consistency. The ONLY reason I keep this garbage policy is for Tax Purposes and Fitness Passport. CBHS are useless. Show details

Be VERY careful with this Health fund. They sell private health insurance saying that Accommodation for overnight, same day and intensive care for private or shared room in agreement private and public hospitals is covered. But then, when you need it they say "we will cover your accommodation and theatre fees in a public hospital as a private… Read more

patient in a shared room". This discrepancy is deeply concerning, unethical and misleading people. The policy was sold to me with the assurance that private hospital cover was included. However, when I now need to rely on that coverage, I’m being told that I must pay out of pocket. This is misleading and unethical. I will do everything I can to make sure this doesn't happen again with anyone else.

Like most insurance companies, they'll find any loophole they can to not pay or just have stupid rules that make things unnecessarily hard. Eg one of the testimonials mentions claiming for a breast pump. Turns out you need a written referral to claim. No one's going to the GP for that. If I knew earlier I would've got my OB to write one. I also… Read more

added my newborn to my policy and the monthly payment literally doubled! You'd think you'd get a few years at a cheaper rate considering she's not getting glasses or dental visits etc yet. I've had other issues with them in the past, I just need to find the time to research other providers to leave.

CBHS lets my family down – After more than 20 years with CBHS our eldest adult child is now paying their own health fund. At the time it was confusing but we both rang for their advice on what would be the best one for him at his current age. My son then applied online after we received this advice. CBHS called to confirm this with him that his is what he wanted and based… Read more

on the advice we were given, he agreed. Now two years later when he does need an eye operation we find out he's not covered. I asked CBHS to consider what we used to claim for optical for him in the years of loyalty we’ve been and we are paying the highest of their health insurance coverage and if they could look at things holistically, we were told no twice as they will only base on his call from them but the call that we made for advice was not considered. It’s confusing enough for young adults when picking health funds and that’s why we go for advice. No one knows at his age when exploring health insurances what is exactly right for them and what he needs to think he needs to predict at this age of 25. So he’s been paying a health insurance fee for two years and now he’s paying for his own eye operation. It’s such a waste of money for him. Now we are left looking at who is a better health provider that provides good advice and considers the loyalty of long-term customers

Rip-off company – I will be changing supplier…CBHS need a clean out of their top management who have no idea of running a business. Look at your reviews, the customers are telling you something that you should be taking notice Show details

Poor service, difficult processes for extras benefits to be paid, poor member experience – After 32 years and yet again having my claims for extras benefits declined upfront as per usual with this health fund and then being given a laundry list of things to go back and get to support the claim from the pharmacist and GP. It would cost me more to do that than what I was claiming. Claim was for $180 for simple health aids my doctor told… Read more

me to get. Only claim I have made in the last decade was for glasses and the payment amount was minimal. Told them I was going to cancel my top extras got back an email that said sure cancel and just reply to this email and let us know when. Fund must be performing well to lose customers so easily. I’ll be looking for a new fund for my top hospital cover. All my interactions with this fund has been disappointing and I haven’t had that many. Personally I can understand why the rating on here is so low, if you are searching for a fund you can do better…

Yet again you have brought me to tears – Currently sitting crying in a carpark because yet again you have on a whim decided something you had paid in the past is suddenly not covered. So suddenly money that I factored towards you know just surviving is not coming. You have no soul. Now I can't go into the shops because I can't stop crying. ##Adding to this after you asked me to call back… Read more

you had clearly failed to notify any of your staff of this, so that when I called back they had no idea why I was calling to be told the same thing again, they were confused as to who had told me to ring. And now you have the esteemed honour of making me cry 2 days in a row, and when I so much as think about how you made me feel - like rubbish in case you were wondering - I cry again. #final edit on this. I have been a member of your fund for 35 years. Today is the end of that. I am changing funds. You have absolutely no consistency with your claims and no empathy. This is not the first time I have experienced inconsistent claims outcomes, but it certainly is the last time.

Less benefits to members for higher premiums - Check out the 2024 Annual Report results – I worked for this health fund more than 20 years ago as its head of finance in Parramatta. Back then its purpose was to provide its ex-CBA employee members the maximum refund on medical expenses. Now as a member I review their 2024 Annual Report and am disgusted with its greedy profit motive to fund its bloated overpaid managers. What a… Read more

disgraceful health fund?

The Annual Report figures don't lie: Net Profit increased from $17.2m in FY23 to $50.7m in FY24 (+293%) on just a 6% increase in member revenue. This means lower payouts to members for health expenses. Cash and Investments hoarded by this fund grew from $421m in FY23 to $451m in FY24. $30m of extra cash hoarded from its members. Director's & managers remuneration increased from $3.9m in FY23 to $5.3m in FY24. This is an extra $1.42m or 36% increase over one year. Where is their sense of purpose to benefit members when it seeks to make a profit, hoards cash in investments and gives its senior fat cat managers huge pay increases. If you have any sense like me you will leave this fund and find one that offers better value for money instead of the "CBHS profit motive business" living it up on your premium payments. What a rort?

Only two hospitals we can use wont be usable without out of pocket in March – The two major hospital in SA are not available for use from March due to non agreement with Healthscope hospitals and the fund. Large out of pocket if we go to the only two private southern Adelaide hospitals. We pay premium fees. What the. Not good enough. They told me to go to another hospital CBHS. When I rang customer service about this, they… Read more

said use another one of our hospitals or change specialists. They have to be joking. We have a relationship with the current consulting specialist plus they don’t consult at other hospitals!!!!. Every specialist we use consults at those two hospitals, Ashford and Flinders. Useless to be with CBHS if I can’t use the only two hospitals available with our specialist and be out of pocket. They really need to negotiate for members or they’ll be leaving in droves. Been with them for 45 years.

Worst insurance – Dont ever get this. You have to travel two hours to see a doctor. Need medicine on prescription. Got a appointment for that in april. Wish it was possible to give zero stars Show details

Worst health fund NOT recommended – Do not go with CBHS, it's a complete waste of money. Although they are cheap still claims process is very hard. Will leave you with big hospital bills out of pocket. Don not trust them. Show details

Inaccurate quotes for rebates and policy costs – Have been a long time member of this fund and I've just about had enough! Customer service is atrocious, they all need further training. When phoning for a quote, I was told I would be able to claim 100% of the cost, so I went ahead only to receive less than 50% rebate. Then when I upgraded my top extras to top family hospital, I was phoned 6… Read more

weeks into the membership to be told the premium has gone from $350 per fortnight to $450 per fortnight, due to an error THEY made! I'll now shop around for another fund. They have officially become one of the worst funds, that I'm no longer wanting to be a part of after 25+ years!

No Positive Experiences over 20+ years – We have not had a positive interaction with CBHS for over 20 years because staff can't do their jobs right. Even simple things like properly applying a new policy, ordering a card, or putting through a claim goes wrong with them. Most recently CBHS knocked back an optical replacement glasses frames claim because the proof they require is an… Read more

optometrist confirming in writing that prescription lenses have been inserted into the glasses frames; a simple receipt is not enough.

A shop attendant from OPSM inserted the lenses for us after we bought the frames from them and from my partner's claims history they can see he has had prescription glasses for over 10 years (including the purchase of the same pair of frames that were broken) so it's not like we're rorting the system to accrue frames. Absolutely wild and discriminatory as glasses wearers can order frames online and input their lenses themselves.

I'll be moving health funds after this as this is the last straw. We pay so much for such poor coverage and service; they can't even give us seperate logins because their archaic system doesn't allow contact details for more than one party.

Total rip off – CBHS are more than happy to take your money but not so accommodating when you claim! There’s no loyalty for long time customers and their customer service is atrocious! Go elsewhere unless you’re happy being ripped off. Show details

Dreadful – It is disgusting the hoops they want chronically sick people to jump through to try and get some money back on a small claim. The rates are exorbitant and the extras cover is almost impossible to make a claim for. Show details

Long time Customer - Not worth it, bad service and bad plans – I have been a long time customer with CBHS, and now the first time I need to actually come in for a same day in and same day out (total 2 hours) procedure to fix a knee meniscal tear and the most CBHS is covering is $76 leaving me to fit the bill for the entire theatre costs, anaesthetics and hospital stay (its a lot). I understand other parts I… Read more

will be paying and such but this part gets me because these portions of the bill are what matters and you would think should be covered!

I get my hospital plan is one of the basic plus ones but for the specific item code to repair a minor issue its completely restricted and I was informed by the customer care representative that I should not have hurt my knee as its not covered?! For the hospital I would still have to pay a $500 excess but it covers nothing from Private health! It will be better for me to not 'claim' anything from CBHS for this procedure and save atleast $500 to put towards all the bill.

I cant even upgrade my plan to a 'better' cover with CBHS without facing renewed waiting times (I would have to wait 12 more months with knee pain) even though I am a long time existing customer. We will be moving our family off this insurance to a better insurer and better cover, not going to waist my money here any longer!

Do not go CBHS, take your time and invest in a better health insurer that genuinely care for its customers and their health!

Change the rules – Although the customer service has always been good just a bit annoyed that you dont waive existing customer times frames. I have been a customer for years with top hospital and wanted to add on top extras. The girl asked her manager and they said no. Not cool. Show details

Horrendous customer service, under the guise of a not-for-profit – Steer clear of this joke of a business operating under the guise of not-for-profit and operating for former employees. They consistently do not return emails or calls, when you call they are always in meetings with no one else available to help? Apparently no management or team leaders available through most of the day to assist with any client… Read more

queries. No responsibility or accountability. On top of that, they are one of the most expensive by far on recent comparison. Little America

After being a member for over 20 years, i'm appalled at the way I've been treated in the last few weeks. Constant runabout, messages and calls never responded to, they terminated my membership without notice to me.

Look at any other option! There's multiple other providers out there with better customer service and who are actually doing right by their customers.

Long term client – I have been with CBHS for over 20 years. Their level of rebates have always been higher than comparable funds. On the few occasions I have needed to speak with someone (eg to discuss out of pocket costs for a procedure) I have got through reasonably quickly and spoken to someone who knew all the information. I also contacted them direct for… Read more ·  1

items not showing on the drop down lists when making an online claim. There are some discretionary items and when I sent the details they provided a rebate for a special bra to wear after mastectomy. They are proactive in funding preventative health measure such as 'Live Longer, Live Stronger' classes. I was surprised to read the bad reviews because I have recommended this fund to friends and family. No-one has complained and all have found it better than their other funds. I would not consider another provider.

Terrible customer service!! – Worst ever customer service!! Unresolved issue!! Submitted a claim via mobile apps, it mentioned the claim will be paid into my nominated bank account and end up sent a cheque directly to the medical provider while I have already made the payment. Called the customer service and was told to send an email, they are able to cancel the cheque and… Read more

refund the money back to me. The given email address was delivery failed, so I look for a valid email online and resent again the email. I got a response to provide all my personal details including my passport number. In the following week, I called again the customer service, he told me the cheque has been sent to the medical provider and I need to follow up with the medical provider to get back the payment. He still ask me to be appreciative because they have a lot of claims need to be processed. I should call them first before I submit a claim. So this was my fault because I did not ask them first before I submit a claim and I should appreciate they sent a cheque to the medical provider.