- Medical (e.g. doctor or GP)
For hospital claims your hospital will bill CBHS International directly for everything except for any excess that you pay (if applicable).
For medical claims a doctor who participates in an Access Gap Cover agreement might also bill CBHS International directly. If your medical practitioner does not participate in an Access Gap Cover arrangement, you should submit your medical claim to CBHS International first.
Things you need to know
If you visit a medical service provider that's not part of our Choice Network, this will attract a larger out-of-pocket expense. For most doctor visits*, we pay your claims into your bank account within 3 to 5 business days if it's a Medical claim. For Hospital claims, the hospital can expect to receive payment within and up to 28 calendar days after submitting their bill. To ensure you receive your benefits in a timely manner, make sure you've provided your Australian bank account details when you submit a claim. We're unable to provide funds into an overseas bank account.
*Refer to your level of health cover for eligibility, service limits, benefits, and any applicable waiting periods.
^FREE means $0 out-of-pocket costs for eligible members. OVHC Base Hospital members are not eligible. Non-eligible members can access these services but will have to pay the fee and can’t make a claim.