Frank's current special offer

Special offer

Join Frank by February 28th and get your 1st month FREE on combined hospital and extras cover!

Some health insurers make you wait until your 2nd or 3rd month to get your 1 month free. Not Frank. Frank doesn't like waiting and knows you don't either.

Instant gratification. That's how Frank rolls.

Get a quote and join Frank today!

1st month free is only available for new members on new memberships. And can't be used in conjunction with any other offer. Kind of obvious, but the legal guys wanted us to make sure you knew.

New to health insurance?

Here's 3 good reasons to take out hospital and extras cover:

  1. Minimise your Lifetime Health Cover loading.
  2. Avoid the Medicare Levy Surcharge.
  3. Get your 1st month free. Rock on!

Cool. So how do I get this Frank awesomeness?

It’s as easy as getting a quote for cover, then joining online.

Don't forget, this ends on February 28, so be quick.

Health insurance and pregnancy

Frank understands that having a baby is an exciting time in anyone’s life. But it can also leave you with many unanswered questions. Knowing where to start and having a good plan can put your mind at ease and increase your chances of having a healthy pregnancy.

Frank wants to help and has put together some tips and explanations on things you should know pre, during and post pregnancy.

Which Pregnancy services does Frank cover you for?

Frank, like other private health insurers can cover you for Pregnancy & IVF related services. Medicare also covers some of the costs. Unless you remove the pregnancy cover, Frank’s Best Hospital covers:

  • Medical procedures including; specialists fees, anaesthetic fees and some other hospital charges (whilst you’re an inpatient)
  • Hospital charges such as accommodation & delivery suite
  • Medical Gap
  • The choice to stay as a private patient in a private or public hospital (if you are on Frank’s Basic Hospital cover, your hospital costs are covered by Frank for a shared room accommodation in a public hospital only)
  • Your choice of Obstetrician for the labour

What isn’t covered by private health insurance?

  • Medications for IVF
  • Visits to your GP
  • Obstetricians appointments before the birth
  • Any procedures done in the doctor’s rooms, (unless performed as an inpatient in hospital).
  • Ultrasounds, blood tests & other tests (unless performed as an inpatient in hospital)Most ante-natal classes

Some of the above services will be partially covered by Medicare.

What's covered and what's not is explained on Frank's Best Hospital cover page.


  • Keep in mind there’s a 12 month waiting period for all pregnancy & IVF related services. You don’t need to wait 12 months to fall pregnant- just as long as the due date of the baby is after this 12 month period, you’ll be covered. That means you still need to take out pregnancy cover at least 3 months prior to falling pregnant. So if you’re thinking of having a baby, make sure you’re on Best Hospital (with pregnancy) in advance!
  • To ensure your baby is covered by private health insurance straight away you need to ensure you are on a family or single parent policy at least two months prior to the due date of the baby.
  • Frank can’t pay benefits for any outpatient services received e.g. consultations with your doctors or any planning and management fees related to your pregnancy.
  • If your baby is due just outside your waiting periods, provide Frank with a letter from your obstetrician stating your due date. As long as the due date is after your waiting period, you’ll be covered (even if the baby arrives early).
  • For more information about how much Frank will pay contact us with the medical item numbers given to you by your doctor/s.

As with all of Frank’s covers...

  • You will have to pay an excess when admitted to hospital
  • Waiting Periods apply, unless you have already served them.
  • There may be out of pocket expenses in relation to your doctors, such as your obstetrician, pathologist, anaesthetist etc. Make sure you check with them before your hospital visit to confirm if what you’ll need to pay.

Want more information?

What to Expect...

Week by Week – Better Health Channel Read More

Health Insite Read More

Pregnancy Birth & Baby Read More

Parental Leave Pay – Department of Human Services Read More

Baby Nursery checklist – Kidspot Read More

Pregnancy and Private Health Insurance

Obstetrics and Private Health Insurance – Private Health Insurance Ombudsman Read More

Waiting Periods – Read More

The medical cost of having a baby – Kidspot Read More

Pregnancy Care Choices – Better Health Channel Read More

Do I need to change my diet?

Healthy Eating During Pregnancy – Nutrition Australia Read More

Healthy Eating when you’re pregnant or breastfeeding – Read More

Pregnancy and Diet – Better Health Channel Read More

Foods to avoid – Pregnancy Birth & Baby Read More

Should you drink during pregnancy? – Drink Wise Australia Read More

So now you’ve had the baby…

Raising Children Network Read More

Safe Sleep Space Read More

Sids and Kids Read More

Returning to work

Supporting Working Parents: Pregnancy and Return to Work National Review – Australian Human Rights Commission Read More

Returning to work – Fair Work Ombudsman Read More

Back to work post maternity leave: How new mothers can manage their return – Women’s Agenda Read More

Back to work after baby – Body & Soul mums Read More

For fun...

Baby Name Meaning – Huggies Read More

Due date calculator Read More

Frank Health Insurance is sharing this information to assist members during and after their pregnancy, but does not take any responsibility for advice or actions taken from the above mentioned websites.

Special Offer

Join Frank by February 28 and we’ll give you your 1st month free.