Hunter Health Insurance
Bronze+ Packaged
Hunter Health Insurance (a CDH Benefits Fund policy)
How $152.23 is worked out
- Premium as filed - $200.61 a month (hospital share $100.31)
- Government rebate - 24.1% of the premium (never of the loading): -$48.38
- A month - $152.23
Go to insurer no commission on this policy
Hospital: what is covered
Covered (26)
- 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
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Kidney and bladder
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Podiatric surgery (provided by a registered podiatric surgeon)
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
Restricted (3)
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Not covered (9)
- Assisted reproductive services
- Cataracts
- Dialysis for chronic kidney failure
- Heart and vascular system
- Joint replacements
- Lung and chest
- Plastic and reconstructive surgery (medically necessary)
- Pregnancy and birth
- 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 - Bronze Plus
- Hospital - Private or public hospital
- Excess - No excess.
- 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
- 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 of coverage. NOTE: This hospital cover provides 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): $22.00; Scale and clean (item 114): $36.00; Fluoride treatment (item 121): $25.00; Tooth extraction (item 322): $55.00 | $400 per policy a year, 2 services every year |
| Glasses and contact lenses | 2 months | Single vision glasses: $145.00; Multifocal glasses: $185.00 | 1 appliance every year |
| Prescriptions not on the PBS | 2 months | Prescription: $50.00 | $450 per policy a year |
| Physiotherapy | 2 months | First visit: $36.00; Follow-up visit: $30.00 | $600 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $26.00; Follow-up visit: $22.00 | $600 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: $25.00; Follow-up visit: $22.00 | $600 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: $25.00; Follow-up visit: $25.00 | $600 per policy a year (shared with other services) |
| Acupuncture | 2 months | First visit: $25.00; Follow-up visit: $22.00 | $600 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $30.00; Follow-up visit: $20.00 | $600 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: $25.00 | $600 per policy a year (shared with other services) |
| Occupational therapy | 2 months | First visit: $28.00 | $600 per policy a year (shared with other services) |
| Speech therapy | 2 months | First visit: $36.00 | $600 per policy a year (shared with other services) |
Not covered: Major dental, Root canal, Braces, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Exercise physiology, Eye therapy (orthoptics), Health management programs, Home nursing, Orthotics, Osteopathy, Vaccinations.
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
Other Dental benefits included Restorations i.e. Fillings, Metallic, 3 or more adhesive, and Posterior tooth 3 or more surfaces
Ambulance
No ambulance cover.
Agreement hospitals in South Australia
Hunter Health Insurance 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.
Member retention (hospital cover)
89.5% is the Commonwealth Ombudsman's figure for CDH, the insurer of Hunter Health Insurance, 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 J5/SCFG10, 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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