What is the best policy for my family?

Why does my family need health insurance?

What, other than you want to look after them now so they will do the same for your when you are in a nursing home? Seriously, we all want to look after our kids and know that we have to be on top of our game to do that the best we can. When it comes to health, that’s not always easy, and when our family is sick, things are often out of our control. That’s when cheap health insurance can step in. At Frank, we can make it easy for you to get back control and help get your family back on its feet. Having the best family policy you can, can also give you that security blanket of knowing if anything does go wrong, you have options and choices.

* The price shown is per week and applies to a {LIFESTAGE} living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate

Kids change and so do their health needs. The public health system and Medicare is great, but there are some things Medicare doesn’t cover. At Frank, we work alongside the public system to ensure as your kids grow up, and the reasons they need to go to hospital or visit a medical professional change, your security blanket changes with it. The best family policy is also there for the whole family, to help mums and dads as well.  It is there for hospital admissions and it is there for the treatments you often need but don’t go to hospital for, which are covered under extras insurance.

When it comes to hospitals, public hospitals are free, and that can make them very busy. That means when you or your family needs a non-emergency hospital admission, such as getting tonsils removed, there may be waiting lists. Cheap health insurance can give you the option of being treated at a private hospital when you want it, by the doctor you want.

If you choose to be treated as private patient, however, you will need to pay an excess, which is the same for pretty much all kinds of insurance. There may also be a gap between what your doctor charges you and what is covered. It’s important to work that out with us and the hospital beforehand.

Extras can help cover you and your family for the treatments that Medicare won’t. When it comes to families, dental treatments are really important, and they can be really expensive. But dental cover is only one way the best family policy can help you and your family as you all go through life.

Baby makes three

If you want cheap health insurance to cover pregnancy, you need to get the best family policy you can, well before you buy the chocolates, champagne and flowers and download the Barry White album. A long time before. Most health funds have a 12 month waiting period before you can claim on your hospital pregnancy cover. On top of that, there can also be a 12 month waiting period to claim for reproductive services like IVF. So, if you want to be covered for having your baby in a private hospital by the obstetrician of your choice, you will need to be signed up at least a year before contractions begin. Frank offers hospital pregnancy cover for hospital ward accommodation, the delivery suite and any other in-patient hospital and doctor services that you need.   

There are also a heap of extras treatments that can help you during pregnancy. Top of the list is antenatal and postnatal classes. The good news is there is only a 2-month waiting list on those. Services like remedial massage and physiotherapy can also come in handy during pregnancy.

At Frank, we pride ourselves on making cheap health insurance easy, and when bub does arrive, adding then to your policy can’t be any simpler. Just give us a ring and they will be added for free. Adding a baby, or any child, to a couples policy will not cost you any money at all. Premiums will be exactly the same. The other great news is, from the second you add your baby to your cheap health insurance policy, they are covered for all the same treatments you are. We don’t think babies should be included in waiting periods. Nine months is long enough to wait as it is.

The terrible toddlers

There is never a better time to have the best family health policy you can than when your kids are young, especially if you think more kids might be on the way. Toddlers can crash and bash, simple as that. They put things in their mouths, fall off things stick things in their nose and, as a general rule, have no fear. Having access to a cheap health insurance policy that covers you for the unexpected joy that toddlers can bring is always good. As they get older, their needs change, and so can your best family policy.

Schools in

When school comes around, things can get really, really busy and having the best family policy you can, can help make things a little easier. School-aged families regularly have to deal with any number of health treatments and Frank has you sorted. Our extras policies can offer you up to 80% back on dental treatments such as fillings, extractions and even check-ups, as well as the bigger things mums and dads are more likely to need.

School often comes with sport, which can bring with it a whole range of possibilities when it comes to finding the best family policy. Cheap health insurance that offers benefits for physiotherapy and chiropractic, as well as hospital cover that allows you to have elective surgery for injuries when you want it can be a big benefit when you have school-aged kids. While we’re talking about hospitals, being able to have tonsils or adenoids removed by the doctor you want when you want is another way having cheap health insurance can make life just that little bit easier.

Don’t forget you

Putting kids first comes naturally to all parents, and health is no exception. Remember though, you have to be there for them. Who else is going to drive them everywhere? The best family policy must also include cover for treatments that parents may need. As mentioned before, it costs nothing to put your kids on your couples insurance, or to move from singles cover to one for single parents. So there is no reason why you shouldn’t be included. Don’t just think of the cover that will best suit your little ones. Having the best family policy means just that – having a policy for the entire family.

Get 1 month free + skip 2 & 6 month waits on extras* when you join on combined cover by March 31.

*For new members (if you have been a Frank Health Insurance member in the last 12 months, sorry you don’t qualify). Must pay first month to receive second month free. 12 month waits, annual and sub limits apply. Offer ends 31 March, 2018.