Before you book in for a procedure, take a moment to confirm exactly what your policy includes, you can find this in your fact sheet in the member area or app. This can help you avoid unexpected costs later.
Not all treatments are included in every level of cover. Make sure the procedure you need is listed under your policy benefits (you can find this info in your fact sheet in the member area). Even if something is covered, there may be restrictions or exclusions on certain services.
Some services can only be claimed after a set period of time:
What isn’t covered by my hospital policy?
You’ll only get hospital benefits for services your policy actually covers, and only after you’ve served any waiting periods.
Hospital benefits only apply if you’re admitted to hospital as a private patient. This basically means anything outside your hospital stay isn’t covered.
So, things like:
are not covered by your hospital cover, and you may have to pay for yourself.
You can check everything in your policy fact sheet, available in your member area or the mobile app. This is the quickest way to see what’s included, restricted, or excluded. Or you can contact Frank if you’d rather chat with someone.
Understanding your cover upfront helps you:
If you’re unsure about anything, it’s worth contacting Frank, our team can help confirm what you’re covered for before you go ahead.
Ask your specialist for any Medicare Benefits Schedule (MBS) item numbers as this helps our team provide the most accurate information.
Going to hospital with FrankBecause sometimes your needs might change a little, you have a $500 freedom limit to claim on your 7 included extras services.
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.
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.
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.
