Fund Rules

Fund Rules set out the general principles and rules of membership applicable to the Cessnock District Health Benefits Fund (also known as CDH and Hunter Health Insurance), the health insurance business of Cessnock District Health Benefits Fund Limited.

These Rules are in effect from 1 August 2023.

The Rules are set out in sections to make them easier to navigate;

  1. Introduction and General Conditions applicable to membership of the Fund and relating to all products offered by the Fund – available here
  2.  Schedules setting out details specific to each product:
  •      Hospital Products – available here
  •      Combined Products – available here
  •      General Treatment (Extras) Products – available here
  •      Contribution Rates – available by contacting Hunter Health Insurance
  •      Other Dental (by MBS item number) – available by contacting Hunter Health Insurance

Comprehensive, independent information about private health insurance is also available at, covering how health insurance works and information regarding important health insurance concepts such as waiting periods, out of pocket costs, government surcharges (such as Lifetime Health Cover loading and the Medicare Levy Surcharge) and government incentives (such as the Private Health Insurance Rebate).

The site includes details of every health insurance policy available in Australia, including its Private Health Insurance Information Statement.  This includes all policies offered by Hunter Health Insurance.