Glossary of terms

(AGC) is a billing scheme that aims to reduce or eliminate out-of-pocket expenses to members for doctor and specialist services received in hospital. Doctors may choose to participate in AGC on a patient by patient basis, so you should discuss this with your doctor.

Acupuncture involves inserting fine needles into specific points on the skin – or applying various other techniques to the acupuncture points – to restore balance and encourage the body to heal itself. Scientific studies have shown the potential for acupuncture to be effective in treating many disorders.

It is an Alternative therapy and can be claimable from the appropriate levels of Extras Cover. Providers must meet the Australian Government‘s Private Health Insurance (Accreditation) Rules 2011.

When a baby is added onto a membership within two months of their date of birth, the baby will not have any waiting periods for the existing cover.

If you would like to add a dependant to your membership and they are transferring from another fund to an equivalent level of cover with CBHS Corporate Health, they will not be required to re-serve waiting periods. If your dependant is joining a health fund for the first time, certain waiting periods may apply.

CBHS Corporate Health Pty Ltd has agreements with most private hospitals that are likely to be accessed by members. These agreements ensure that an agreed schedule of fees (including inpatient accommodation, theatre and special unit accommodation fees as appropriate) is charged by the hospital and paid by CBHS Corporate Health Pty Ltd on the member’s behalf. Please note that a member’s benefit entitlements will be affected by factors such as their level and type of cover and the financial status of their membership. This will affect the amount CBHS Corporate Health Pty Ltd will reimburse to the hospital. 

An Allergen is the substance that causes an allergic response. Allergens contain protein and almost anything can be an allergen for someone.

The most common are house dust mites, pollen from trees and grasses, cats, dogs, insects such as wasps and bees, milk, eggs and peanuts.  Less common allergens include tree nuts, fruit and latex.

Allergens are in the form of an injection that a doctor gives to build up your immunity to what you are allergic to.

An allied health professional is a tertiary trained professional who works with others in the health-care team to support a person's medical care. Examples include physiotherapists, osteopaths, chiropractors, speech pathologists, podiatrists, dietitians, social workers, medical scientists and medical radiation practitioners.

Alternative Therapy includes Natural, Oriental and Massage Therapy. Alternative Therapies can be claimable from the appropriate levels of Extras cover and one of CBHS Corporate Health’s approved therapies. Providers must meet the Australian Government‘s Private Health Insurance (Accreditation) Rules 2011.

Ambulance costs are expensive and are not covered by Medicare. CBHS Corporate Health Ambulance Cover protects you from emergency ambulance costs, which can potentially be very high.

If you have any level of Hospital Cover with CBHS Corporate Health, you are automatically covered for emergency Ambulance transport. If you require cover for non-emergency services please contact your state ambulance scheme for further information.

Ambulance cover pays the cost of emergency ambulance services if you are transported directly to a licensed hospital or treated at the scene, due to a medical emergency. Transport must be provided by a State Government ambulance service or a private ambulance service recognised by CBHS Corporate Health (e.g. Royal Flying Doctors Service).

This includes transportation from the scene of an accident or the scene of a medical event such as a heart attack or stroke, but does not include transportation to hospital for the routine management of ongoing medical conditions or transfers between hospitals.

Residents of QLD and TAS are covered by state based Ambulance schemes.

Western Australia, South Australia, Victoria and Northern Territory 
Hospital Covers pay the cost of emergency ambulance services when transported directly to hospital or treated at the scene due to a medical emergency. Transport must be provided by ambulance services recognised by CBHS Corporate Health.

Ambulance benefits are not payable for transportation to hospital for the routine management of an ongoing medical condition or transportation between hospitals.

Residents of WA holding a Hospital or Package product are also eligible to claim a benefit for non-emergency ambulance transport services up to a maximum of $5,000 per person per calendar year.

New South Wales and Australian Capital Territory
Part of your hospital contribution is a levy charged by your State or Territory government. This entitles you to full ambulance cover within your State and emergency ambulance cover in all other States or Territories. If you receive a bill for ambulance services please forward it to CBHS Corporate Health for payment.

Queensland and Tasmania
Most ambulance services received within your state are provided by your State government and you should not receive a bill for these services. If you receive ambulance services outside your State, the same conditions apply as for Western Australia, South Australia, Victoria and Northern Territory.

An anaesthetic is a drug or agent that produces a complete or partial loss of feeling. There are three kinds of anaesthetic: general, regional and local. When a patient undergoes a general anaesthetic, they lose sensation and become unconscious. General anaesthetic may be given as an injection or as a gas. An anaesthetist will administer a general anaesthetic

Australians with private health insurance may receive a rebate from the Australian Government to help cover the cost of their premiums. This is called the Australian Government Rebate on private health insurance (Rebate). The Rebate is income tested. The Rebate applies to hospital, extras cover and ambulance policies.

More information: www.privatehealth.gov.au

CBHS Corporate Health is a member of the Australian Health Service Alliance Ltd (AHSA), which is a service company representing a number of small to medium size private health insurance funds. The company was formed in 1994 to provide management services to these Funds throughout Australia. By pooling their resources and creating AHSA, participating funds are able to respond more effectively to the numerous changes occurring in the private health industry.

AHSA provides a range of services including management of: 

• Provider relationships
• Negotiation of contracts
• The collection, dissemination and analysis of data
• Access Gap Cover
• Integrated Health Management Services
• Prostheses and claims support
• Educational services and training

 

Autism is a disorder of neural development characterised by impaired social interaction and communication, and by restricted and repetitive behaviour. These signs all begin before a child is three years old. Autism affects information processing in the brain by altering how nerve cells and their synapses connect and organise; how this occurs is not well understood.

Autistic Social Skills Programs: Teaching social skills to autistic children has become one of the primary focuses when working with autistic children.