Understanding the Commonwealth Seniors Health Card

Average customer rating: 4.3/5
Written by Joshua Malin
Reviewed by Steven Spicer
Updated 08 March, 2024

What is the Commonwealth Seniors Health Card?

The Commonwealth Seniors Health Card (CSHC) is a senior’s health care card supplied by the Federal Government through Services Australia. It helps discount the cost of some prescription medications and provides access to bulk-billed doctor visits, plus additional concessions from state and local governments like cheaper public transport.

You’ll need to meet some eligibility criteria to receive a CSHC, including being over a certain age and earning income under a set annual threshold.

You may also be eligible for a low-income health care card or a seniors card from your state or territory government, which can be held in conjunction with the CSHC.

Getting a card

Who qualifies for a Commonwealth Seniors Health Card?

How do I apply for the CSHC?

How does my income affect my eligibility for a CSHC?

Is there an asset test for the CSHC?

How it works

What are the benefits of the Commonwealth Seniors Health Card?

Does the CSHC cover services that Medicare doesn’t?

Does the CSHC give me discounts on energy bills or public transport?

Is the CSHC the same as the Pension Concession Card?

Medicare and PBS Safety Nets

If you need to see a doctor or specialist and take prescription medications regularly, you could benefit from the Medicare and PBS Safety Nets. Both safety nets work slightly differently.

The Medicare Safety Net

PBS Safety Net

Meet our health insurance expert, Steven Spicer

Steven Spicer
Executive General Manager – Health, Life & Energy

As the Executive General Manager of Health, Life and Energy, Steven Spicer is a strong believer in the benefits of private cover and knows just how valuable the peace of mind that comes with cover can be. He is passionate about demystifying the health insurance industry and advocates for the benefits of comparison when it comes to saving money on your premiums.

1 Commonwealth Seniors Health Card: Who can get it. Services Australia. Last updated January 2023.

2 Commonwealth Seniors Health Card: Income test. Services Australia. Last updated September 2023.

3 Commonwealth Seniors Health Card: What adjusted taxable income is. Services Australia. Last updated September 2023.

4 Commonwealth Seniors Health Card: Deeming. Services Australia. Last updated September 2023.

5 Pharmaceutical Benefits Scheme: PBS Safety Net thresholds. Services Australia. Last updated January 2024.

6 Commonwealth Seniors Health Card: Benefits. Services Australia. Last updated May 2022.

7 Age Pension: Who can get it. Services Australia. Last updated September 2023.