Accident Only (Basic)
Accident Only Hospital (Basic)
Accident Only Hospital (Basic)
Cover for the bare minimum that gets boosted in the event of an accident, plus avoid the Medicare Levy Surcharge (if applicable).
What hospital services are covered?
Accident Only Hospital (Basic) provides the minimum standard clinical categories required for a ‘basic’ rating.
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Accidents
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Emergency Ambulance
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Accidents
Excess
$750
Waiting Period
0 days
Cover for treatment that is required as the result of an accident. If you have an accident, you’ll be covered for treatments that are excluded or restricted on your cover, when treatment is sought through a doctor or an Emergency Department within 48 hours of sustaining the injury and any hospital admission occurs within 90 days. An accident is an unforeseen event, occurring by chance and caused by an external force or object which results in involuntary injury to the body requiring immediate treatment.
A doctor’s letter or hospital report must be supplied to Frank for benefits to be paid.
Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accommodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Emergency Ambulance
Waiting Period
0 days
Covers emergency ambulance services by a recognised provider Australia wide. Does not include cover for non emergency ambulance transport i.e. from a hospital to your home or ambulance transfers between hospitals. Publicly funded ambulance services and State Government transport schemes are excluded (eg. TAS/ACT/NSW/QLD). Find out more about emergency ambulance services.
Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
What’s covered in a public hospital only?
Accident Only Hospital (Basic) provides benefits as a private patient in a public hospital only for the following services.
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Hospital psychiatric services
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Rehabilitation
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Hospital psychiatric services
Excess
$750
Waiting Period
2 months
Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.
Staying in a single room in a public hospital or treatment in a private hospital will result in significant out of pocket expenses.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Rehabilitation
Excess
$750
Waiting Period
2 months
Hospital treatment for physical rehabilitation for a patient related to surgery or illness.
Staying in a single room in a public hospital or treatment in a private hospital will result in significant out of pocket expenses.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Palliative care
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Palliative care
Excess
$750
Waiting Period
2 months
Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.
Staying in a single room in a public hospital or treatment in a private hospital will result in significant out of pocket expenses.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
What hospital services are excluded?
Taking out Accident Only Hospital (Basic) cover won’t give you benefits as a private patient in a public hospital or private hospital for the following services.
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Blood
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Bone, joint and muscle
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Blood
Hospital treatment for the investigation and treatment of blood and blood-related conditions.
Accident Only Hospital (Basic) cover will not pay benefits towards Blood.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Bone, joint and muscle
Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.
Accident Only Hospital (Basic) cover will not pay benefits towards bone, joint and muscle.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Brain and nervous system
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Breast surgery (medically necessary)
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Brain and nervous system
Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.
Accident Only Hospital (Basic) cover will not pay benefits towards brain and nervous system.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Breast surgery (medically necessary)
Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.
Accident Only Hospital (Basic) cover will not pay benefits towards Breast surgery (medically necessary).
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Kidney and bladder
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Chemotherapy, radiotherapy and immunotherapy for cancer
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Kidney and bladder
Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.
Accident Only Hospital (Basic) cover will not pay benefits towards Kidney and bladder.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Chemotherapy, radiotherapy and immunotherapy for cancer
Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.
Accident Only Hospital (Basic) cover will not pay benefits towards Chemotherapy, radiotherapy and immunotherapy for cancer.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Dental surgery
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Diabetes management (excluding insulin pumps)
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Dental surgery
Hospital treatment for surgery to the teeth and gums.
Accident Only Hospital (Basic) cover will not pay benefits towards dental surgery.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Diabetes management (excluding insulin pumps)
Hospital treatment for the investigation and management of diabetes.
Accident Only Hospital (Basic) cover will not pay benefits towards Diabetes management (excluding insulin pumps).
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Tonsils, adenoids and grommets
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Digestive system
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Tonsils, adenoids and grommets
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
Accident Only Hospital (Basic) cover will not pay benefits towards Tonsils, adenoids and grommets.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Digestive system
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.
Accident Only Hospital (Basic) cover will not pay benefits towards Digestive system.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Ear, nose and throat
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Eye (not cataracts)
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Ear, nose and throat
Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.
Accident Only Hospital (Basic) cover will not pay benefits towards Ear, nose and throat.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Eye (not cataracts)
Hospital treatment for the investigation and treatment of the eyes and content of the eye sockets.
Accident Only Hospital (Basic) cover will not pay benefits towards Eye (not cataracts).
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Gastrointestinal endoscopy
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Gynaecology
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Gastrointestinal endoscopy
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.
Accident Only Hospital (Basic) cover will not pay benefits towards Gastrointestinal endoscopy.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Gynaecology
Hospital treatment for the investigation and treatment of the female reproductive system.
Accident Only Hospital (Basic) cover will not pay benefits towards Gynaecology.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Heart and vascular system
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Hernia and appendix
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Heart and vascular system
Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.
Accident Only Hospital (Basic) cover will not pay benefits towards Heart and vascular system.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Hernia and appendix
Hospital treatment for the investigation and treatment of a hernia or appendicitis.
Accident Only Hospital (Basic) cover will not pay benefits towards Hernia and appendix.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Skin
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Implantation of hearing devices
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Skin
Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails.
Accident Only Hospital (Basic) cover will not pay benefits towards Skin.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Implantation of hearing devices
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.
Accident Only Hospital (Basic) cover will not pay benefits towards Implantation of hearing devices.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Lung and chest
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Joint reconstructions
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Lung and chest
Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.
Accident Only Hospital (Basic) cover will not pay benefits towards Lung and chest.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Joint reconstructions
Hospital treatment for surgery for joint reconstructions.
Accident Only Hospital (Basic) cover will not pay benefits towards Joint reconstructions.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Male reproductive system
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Miscarriage and termination of pregnancy
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Male reproductive system
Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.
Accident Only Hospital (Basic) cover will not pay benefits towards Male reproductive system.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Miscarriage and termination of pregnancy
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
Accident Only Hospital (Basic) cover will not pay benefits towards Miscarriage and termination of pregnancy.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Pain management
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Plastic and reconstructive surgery (medically necessary)
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Pain management
Hospital treatment for pain management that does not require the insertion or surgical management of a device.
Accident Only Hospital (Basic) cover will not pay benefits towards Pain management.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Plastic and reconstructive surgery (medically necessary)
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity.
Accident Only Hospital (Basic) cover will not pay benefits towards Plastic and reconstructive surgery (medically necessary).
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Podiatric surgery (provided by an accredited podiatric surgeon)
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Back, neck and spine
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Podiatric surgery (provided by an accredited podiatric surgeon)
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.
Accident Only Hospital (Basic) cover will not pay benefits towards Podiatric surgery (provided by an accredited podiatric surgeon).
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Back, neck and spine
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.
Accident Only Hospital (Basic) cover will not pay benefits towards Back, neck and spine.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Pregnancy and birth
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Assisted reproductive services
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Pregnancy and birth
Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.
Accident Only Hospital (Basic) cover will not pay benefits towards Pregnancy and birth.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Assisted reproductive services
Hospital treatment for fertility treatments or procedures.
Accident Only Hospital (Basic) cover will not pay benefits towards Assisted reproductive services.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Weight loss surgery
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Joint replacement
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Weight loss surgery
Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.
Accident Only Hospital (Basic) cover will not pay benefits towards weight loss surgery.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Joint replacement
Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.
Accident Only Hospital (Basic) cover will not pay benefits towards Joint replacement.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Dialysis for chronic kidney failure
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Insulin pumps
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Dialysis for chronic kidney failure
Hospital treatment for dialysis treatment for chronic kidney failure.
Accident Only Hospital (Basic) cover will not pay benefits towards Dialysis for chronic kidney failure.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Insulin pumps
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
Accident Only Hospital (Basic) cover will not pay benefits towards Insulin pumps.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Cataracts
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Pain management with device
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Cataracts
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
Accident Only Hospital (Basic) cover will not pay benefits towards Cataracts.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Pain management with device
Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.
Accident Only Hospital (Basic) cover will not pay benefits towards Pain management with device.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Sleep studies
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Sleep studies
Hospital treatment for the investigation of sleep patterns and anomalies.
Accident Only Hospital (Basic) cover will not pay benefits towards Sleep studies.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
Can I get more information?
Frank has a lot more information about the specifics of cover. Find out more about hospital fees, doctor’s fees, gap and all the nitty gritty here.
Yes, on most services you will have to serve a waiting period if you’re new to health insurance. With Frank (and most health insurers) you have to wait a specific amount of time between signing up and making your first claim.
The Accident Only Hospital (Basic) has the following waiting periods:
- 0 days for hospital treatment as a result of an accident (accident must occur after joining) or for emergency ambulance transport
- 2 months for psychiatric, rehabilitation, palliative care and hospital treatments that are not pre-existing conditions
- 12 months for any hospital treatment for a pre-existing condition
Find out more about waiting periods here.
The good news is that waiting periods may not apply if you’re coming to Frank from another fund. Find out more about switching to Frank here.
Yes. If you are admitted to hospital you will have to pay an excess. The most you will have to pay in excess per year is:
Single $750 per year
Couple / Family $750 per person up to a maximum of $1,500 per policy
Under Frank's Accident Only Hospital (Basic), you'll be covered for a private room in a participating private hospital for services included within your cover.
For public hospitals, Frank will pay the minimum benefits for a shared room only for services included under your cover.
You'll still be covered, but there are special waiting periods for pre-existing conditions as part of the Accident Only Hospital (Basic) hospital cover. For services that relate to your condition the waiting periods will be extended, generally to 12 months. Find out more about pre-existing conditions here.
All of Frank's hospital covers come with Access Gap Cover through our partnership with The Australian Health Service Alliance (AHSA).
Every hospital procedure has a minimum benefit payable set by Medicare. This is called the Medicare Benefits Schedule (MBS) Fee. You always get 100% of this back if you have private health insurance.
Access Gap Cover provides higher benefits than the Government’s scheduled fee. Providing you choose a doctor that participates in the Access Gap Cover program you can reduce or even eliminate any gap for medical fees when treated as an inpatient in hospital.
Find out more about Gap Cover here.Yes there are. This might make us sound mean but if you have a read, you'll see they're fair. If you’re interested, check out the list of things Frank won’t pay on here.
If you earn over 90k as a single or 180k as a couple/family and do not hold private hospital cover, you may need to pay the Medicare Levy Surcharge. This surcharge is an additional tax on top of the standard Medicare Levy that applies to all Australian taxpayers. To find out more visit Medicare Levy Surcharge.
Important
Refer to the Accident Only Hospital (Basic) fact sheet for full product information including excesses, waiting periods and benefit limitation periods.
Information relating to this cover should be read and retained.
Accident Only Hospital (Basic)
Freedom limit, flex it your way
Because sometimes your needs might change a little, you have a $500 freedom limit to claim on your 7 included extras services.
And the longer you're with us, the more you can claim.
Get an extra $50 to claim on your freedom limit each full calendar year, with a maximum of $200 after 4 years of continual cover.
Freedom limit, flex it your way
Because sometimes your needs might change a little, you have a $700 freedom limit to claim on your 11 included extras services.
Plus an additional Optical limit. You can claim 100% back on optical up to your $150 annual limit.
And the longer you're with us, the more you can claim.
Get an extra $100 to claim on your freedom limit (excludes optical) each full calendar year, with a maximum of $400 after 4 years of continual cover. Your loyalty benefit will be available on 1 January after you've completed one full membership year.
