CDH Benefits Fund
SILVER+ Pregnancy Hospital & Premium Extras (Excess2) (Single)
CDH Benefits Fund
How $301.43 is worked out
- Premium as filed - $397.24 a month (hospital share $246.84)
- Government rebate - 24.1% of the premium (never of the loading): -$95.81
- A month - $301.43
Go to insurer no commission on this policy
Hospital: what is covered
Covered (30)
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted (3)
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered (5)
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Joint replacements
- Weight loss surgery
Restricted means partially covered for hospital costs as a private patient in a public hospital; in a private room or private hospital you may face significant expenses.
Excess, waiting periods and hospital
- Tier - Silver Plus
- Hospital - Private or public hospital
- Excess - Capped per year. $500 per admission. $500 per policy a year.
- Co-payments - None.
- Known gap - Yes, with the fund's doctors
- Age-based discount - Not offered
- Accident cover - Yes
- Travel and accommodation benefits - Yes
Waiting periods
- Most treatments - 2 months
- Existing conditions - 12 months
- Pregnancy and birth - 12 months
- Rehabilitation, psychiatric and palliative care - 2 months
As filed by the insurer: NSW/ACT residents -Ambulance coverage is included Australia wide. Residents of all other States please contact the fund for details. NOTE: This Hospital cover provides cover for a Gap Cover Scheme minimising Out-of-Pocket expenses for Doctors services. ***Accident cover is allowed provided you are admitted to hospital (1 day waiting period).
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): 100% back; Scale and clean (item 114): 100% back; Fluoride treatment (item 121): $25.00; Tooth extraction (item 322): $110.00 | Gap Free Preventative Dental 100% Benefit Limit 2 Service Person Per Year Items Number 011-015 111-116 |
| Major dental | 12 months | Crown (item 615): $800.00 | $1,100 per policy a year |
| Root canal | 12 months | Root canal (item 417): $150.00 | no yearly limit |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): $2500.00 | $600 per policy a year, $2,500 lifetime |
| Glasses and contact lenses | 2 months | Single vision glasses: $210.00; Multifocal glasses: $290.00 | $290 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $70.00 | $700 per policy a year |
| Physiotherapy | 2 months | First visit: $55.00; Follow-up visit: $45.00 | $700 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $40.00; Follow-up visit: $35.00 | $600 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: $45.00; Follow-up visit: $40.00 | $600 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $600 per policy a year (shared with other services) |
| Acupuncture | 2 months | First visit: $40.00; Follow-up visit: $40.00 | $600 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $50.00; Follow-up visit: $30.00 | $600 per policy a year (shared with other services) |
| Hearing aids | 36 months | Hearing aid: $625.00 | $750 per policy a year |
| Blood glucose monitors | 12 months | Blood: 75% back | $500 per policy a year, 1 appliance every year |
| Antenatal and postnatal | 2 months | First visit: $25.00 | $250 per policy a year |
| Dietitian | 2 months | First visit: $35.00 | $600 per policy a year (shared with other services) |
| Exercise physiology | 2 months | First visit: $26.00; Follow-up visit: $22.00 | $600 per policy a year (shared with other services) |
| Health management programs | 2 months | Benefit: $65.00 | $65 per policy a year |
| Home nursing | 2 months | First visit: $35.00 | $950 per policy a year |
| Occupational therapy | 2 months | First visit: $35.00 | $700 per policy a year (shared with other services) |
| Orthotics | 2 months | Benefit: 75% back | $200 per policy a year |
| Osteopathy | 2 months | First visit: $35.00; Follow-up visit: $30.00 | $600 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: $35.00; Follow-up visit: $40.00 | $700 per policy a year (shared with other services) |
Not covered: Audiology, Chinese herbal medicine, Eye therapy (orthoptics), Vaccinations.
* Ambulance cover is only available if taken with a Hospital Cover
Other services, as filed: Does not include treatment for: Alexander technique; Aromatherapy; Bowen therapy; Buteyko; Feldenkrais; Western herbalism; homeopathy; iridology; kinesiology; naturopathy; Pilates; reflexology; Rolfing; Shiatsu; Tai chi; Yoga CSIRO Total Wellbeing Diet $60 Per Year Per Membership
Orthodontic is paid at 75% of account in current year to max $600.00 with $250.00 per year accumulated up to a maximum benefit of $2500.00 per person per lifetime.
Ambulance
No ambulance cover.
Agreement hospitals in South Australia
CDH Benefits Fund has agreements with 35 private hospitals here, as filed with the Ombudsman.
The list
- Adelaide Day Surgery - Adelaide (day hospital)
- Adelaide Surgicentre - Kent Town (day hospital)
- Ashford Hospital - Ashford
- Brighton Day Surgery - Brighton (day hospital)
- Brighton Dialysis Clinic - Hove (day hospital)
- Burnside Hospital Stepney - Stepney
- Burnside Hospital Toorak Gardens - Toorak Gardens
- Calvary Connery Centre - Elizabeth Vale (day hospital)
- Calvary North Adelaide Hospital - North Adelaide
- Dextra Surgical - Norwood (day hospital)
- Eastwood Private Hospital - Eastwood
- Flinders Private Hospital - Bedford Park
- Genesiscare Western Hospital - Henley Beach (day hospital)
- Glen Osmond Surgicentre - Eastwood (day hospital)
- Glenelg Community Hospital Inc - Glenelg South
- Glenelg Day Surgery - Glenelg (day hospital)
- Griffith Rehabilitation Hospital - Hove
- Hamilton House Day Surgery - Cumberland Park (day hospital)
- Icon Cancer Centre Adelaide - Kurralta Park (day hospital)
- Icon Cancer Centre Windsor Gardens - Windsor Gardens (day hospital)
- Memorial Hospital - North Adelaide
- North Adelaide Day Surgery Centre - North Adelaide (day hospital)
- North Eastern Community Hospital - Campbelltown
- Parkview Day Surgery - Eastwood (day hospital)
- Payneham Dialysis Clinic - Payneham (day hospital)
- Ramsay Clinic Adelaide - Gilberton
- Ramsay Day Clinic Kahlyn - Magill (day hospital)
- Repromed Day Surgery - Dulwich (day hospital)
- Seaford Day Surgery - Seaford Heights (day hospital)
- St Andrew's Hospital Inc - Adelaide
- Stirling Hospital Inc - Stirling
- The Tennyson Centre Day Hospital - Kurralta Park (day hospital)
- Vista Day Surgery - Wayville (day hospital)
- Western Hospital - Henley Beach
- Windsor Gardens Day Surgery - Windsor Gardens (day hospital)
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | $500 | $794.48 |
| NSW | Me and my partner | $250 | $826.16 |
| NSW | My family | $500 | $794.48 |
| NSW | My family | $250 | $826.16 |
| NSW | Just me | $500 | $397.24 |
| NSW | Just me | $250 | $413.08 |
| NT | Me and my partner | $500 | $843.84 |
| NT | Me and my partner | $250 | $878.68 |
| NT | My family | $500 | $843.84 |
| NT | My family | $250 | $878.68 |
| NT | Just me | $500 | $421.92 |
| NT | Just me | $250 | $439.34 |
| QLD | Me and my partner | $500 | $843.84 |
| QLD | Me and my partner | $250 | $878.68 |
| QLD | My family | $500 | $843.84 |
| QLD | My family | $250 | $878.68 |
| QLD | Just me | $500 | $421.92 |
| QLD | Just me | $250 | $439.34 |
| SA | Me and my partner | $500 | $843.84 |
| SA | Me and my partner | $250 | $878.68 |
| SA | My family | $500 | $843.84 |
| SA | My family | $250 | $878.68 |
| SA | Just me | $500 | $421.92 |
| SA | Just me | $250 | $439.34 |
| TAS | Me and my partner | $500 | $843.84 |
| TAS | Me and my partner | $250 | $878.68 |
| TAS | My family | $500 | $843.84 |
| TAS | My family | $250 | $878.68 |
| TAS | Just me | $500 | $421.92 |
| TAS | Just me | $250 | $439.34 |
| VIC | Me and my partner | $500 | $843.84 |
| VIC | Me and my partner | $250 | $878.68 |
| VIC | My family | $500 | $843.84 |
| VIC | My family | $250 | $878.68 |
| VIC | Just me | $500 | $421.92 |
| VIC | Just me | $250 | $439.34 |
| WA | Me and my partner | $500 | $843.84 |
| WA | Me and my partner | $250 | $878.68 |
| WA | My family | $500 | $843.84 |
| WA | My family | $250 | $878.68 |
| WA | Just me | $500 | $421.92 |
| WA | Just me | $250 | $439.34 |
Member retention (hospital cover)
89.5% is the Commonwealth Ombudsman's figure for CDH in its State of the Health Funds Report 2024-25 (Table 1, page 15; data at 30 June 2025).
The Ombudsman describes it as one measure of the comparative effectiveness of insurers and of their level of member satisfaction: the percentage of members, hospital memberships only, who have remained with the insurer for 2 years or more (page 12). It is published for the insurer, not for this policy, and is not adjusted for policies that lapse when a member dies. The Ombudsman cautions that no single indicator shows an insurer's overall performance (page 27).
It is shown as published. The list is not sorted, filtered or ranked by it.
Member retention is the Commonwealth Ombudsman's figure, from its State of the Health Funds Report 2024-25. Source: Licensed from the Commonwealth Ombudsman under a Creative Commons 4.0 licence. This report is available from the Commonwealth Ombudsman website at www.ombudsman.gov.au.
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement J12/NBXD10, filed by CDH Benefits Fund, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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