A new Direct Debit Agreement will take effect from 1 August 2026. Please scroll down to see the updated agreement.

DIRECT DEBIT SERVICE AGREEMENT

CBHS Health Fund’s Commitment

CBHS Health Fund will confirm the direct debit arrangements prior to the first drawing, and directly debit your nominated account on CBHS Health Fund’s drawing dates. If the nominated day falls on a weekend or public holiday, deductions will be made on the next business day.

Debiting your account

By signing a Direct Debit Request or by providing us with a valid instruction, you have authorised us to arrange for funds to be debited from your account. You should refer to the Direct Debit Request and this agreement for the terms of the arrangement between us and you.

CBHS Health Fund debits all payments in advance. Your debit amount will not vary unless:

Your contributions are owing prior to your initial debit
You change your level of cover which has a different contribution rate
You relocate to another state which has a different contribution rate
You change your payment frequency or payment method
Your contribution was returned unpaid by your financial institution
You resume your membership after a suspension period
Your contribution rates change.

CBHS Health Fund will advise you at least 14 days to the new rates taking effect CBHS Health Fund will keep all information pertaining to your nominated account at the financial institution private and confidential. Information may be provided to our or your financial institution to resolve a dispute on your behalf or to the extent specifically permitted by law.

Your rights

If you want to make changes to the drawing arrangements, please notify CBHS Health Fund in writing at least 4 business days prior to your next scheduled drawing date. Changes may include:

Altering your level of cover and drawing frequency.
Stopping an individual debit.
Suspending the Direct Debit Request (‘DDR’), or
Cancelling the DDR completely.

Your commitment to us

It is your responsibility to ensure that:

The account you nominate can accept direct debits.
Sufficient cleared funds are available in your nominated account on the due date.
The authorisation given to draw on the nominated account is identical to the account signing instruction held by the financial institution where the account is based.
You check your account statement to verify that the amounts debited from your account are correct.
You notify CBHS Health Fund if the nominated account is transferred or closed.
You pay your CBHS Health Fund contributions by an alternative method if the direct debit arrangements are cancelled by either you or CBHS Health Fund.
Your payments are up-to-date, whether a notice is received from CBHS Health Fund or not.
You should check with your financial institution whether direct debiting is available from your account as direct debiting is not available through BECS on all accounts offered by financial institutions.

If your drawing is returned or dishonoured by your financial institution, we will notify you in writing. Any transaction fees payable by us in respect of the above may be passed on to you. Consecutive returns or dishonours may result in the direct debit facility being withdrawn.

Disputes

If you believe that there has been an error in debiting your account you should call us on 1300 586 462 and confirm the details in writing with us so that we can resolve your query. If your account has been incorrectly debited we will arrange for your financial institution to adjust your account accordingly. We will also notify you in writing of the amount by which your account has been adjusted. If your account has not been incorrectly debited, we will respond to your query by providing you with reasons and copies of any evidence for this finding.

Confidentiality

We will keep any information (including your account details) in your Direct Debit Request confidential. We will make reasonable efforts to keep any such information that we have about you secure and to ensure that any of our employees or agents who have access to information about you do not make any unauthorised use, modification, reproduction or disclosure of that information.

We will only disclose information that we have about you:

to the extent specifically required by law; or
for the purposes of this agreement (including disclosing information in connection with any query or claim).

DIRECT DEBIT SERVICE AGREEMENT (Effective from 1 August 2026)

This Direct Debit Request (DDR) Service Agreement authorises CBHS to electronically withdraw funds from your nominated Australian bank account on an agreed schedule.

CBHS’ commitment

CBHS will confirm the direct debit arrangements before the first drawing and will debit your nominated account on CBHS’ scheduled drawing dates. If the nominated day falls on a weekend or public holiday, the debit will be made on the next business day.

CBHS debits all payments in advance. The amount debited may change if:

premiums are owing before your first debit;
you change to a level of cover with a different premium;
you relocate to another State with a different premium;
you change your payment frequency or payment method;
a previous direct debit is dishonoured or returned unpaid;
you resume your membership after a suspension period; or
your premium changes. CBHS will give you at least 14 days’ notice of a premium change before the new premium takes effect, unless a shorter period is permitted or required by law.

CBHS may change this Agreement where reasonably necessary. If a change is materially adverse, CBHS will give you at least 30 days’ notice by email, SMS or post before the change takes effect. If a change is not materially adverse, or is required to address a security risk, legal requirement or administrative correction, CBHS may give a shorter notice period or no prior notice where reasonably necessary.

If you do not agree with a materially adverse change, you may cancel your direct debit arrangement before the change takes effect.

CBHS will handle your personal information, including your bank account details and payment arrangement information, in accordance with the CBHS Privacy Policy available at www.cbhs.com.au/policies/privacy-policy

Your rights

If you want to make changes to your drawing arrangements, please notify CBHS in writing at least 5 business days before your next scheduled drawing date.

Changes may include:

altering your level of cover and drawing frequency;
stopping an individual debit;
suspending the direct debit arrangement; or
cancelling the direct debit arrangement completely.

You may also contact your financial institution to alter or cancel the direct debit arrangement on your account.

Your commitment to us

It is your responsibility to ensure that:

the account you nominate can accept direct debits;
sufficient cleared funds are available in your nominated account on the due date;
you are authorised to operate the nominated account and authorise CBHS to debit that account;
you check your account statement to verify that the amounts debited from your account are correct;
you notify CBHS if the nominated account is transferred or closed;
you notify CBHS if your account details change;
you pay your CBHS premiums by an alternative method if the direct debit arrangement is cancelled by either you or CBHS; and
you provide CBHS with a valid and current email address and/or mobile phone number and keep those contact details up to date.

Dishonours, notifications and reattempt of payment

If a direct debit is dishonoured or returned unpaid, CBHS will notify you using the mobile number or email address we hold for you, or by another method we consider appropriate.

CBHS may make a further attempt between 1 and 5 days following the initial dishonour to process the unpaid direct debit, with the specific date to be notified to you. If we make a further attempt, we will tell you the proposed reattempt date.

If payments fail on three consecutive drawings, CBHS may cancel the direct debit arrangement and contact you to arrange an alternative payment method.

You remain responsible for any fees or charges imposed by your financial institution because a direct debit is dishonoured or returned unpaid, except to the extent the dishonour or charge was caused by our error.

Disputes, complaints and errors

If you believe a debit has been made in error or you have a complaint, please contact CBHS on 1300 654 123 or help@cbhs.com.au and confirm the details in writing so we can investigate. If an error is identified, we will arrange a correction or refund. Otherwise, we will explain the outcome.

Notices

CBHS may give notices by post, email, SMS or another electronic method using your contact details. You are responsible for keeping those details up to date.

Authorisation

By providing your bank account details and submitting or confirming your request, you confirm that the details are correct, that you are authorised to operate the account, and that you authorise CBHS to debit that account in accordance with your payment arrangement.