What is a co-payment?

A co-payment is a fee that you will need to pay if you’re admitted into a private room in a private hospital under selected hospital covers. A co-payment helps to reduce the premium of the cover.

If you’re admitted into a shared room in a private hospital, you won’t need to pay a co-payment.

The only Frank hospital cover that has a co-payment is Better Hospital.

Do I have to pay a co-payment?

Frank’s Better Hospital Cover is the only cover that includes co-payments. It applies if you’re admitted into a private room in a private hospital.

Some private hospitals only have single rooms and co-payments will apply.

How is an excess different?

Excesses and co-payments aren't the same thing. If you have Frank’s Better Hospital cover and you paid an excess when you were admitted, you may still have to pay a co-payment as well. While you generally only pay excess once a year (regardless of how many times you are admitted to hospital), co-payments are based on individual hospital admissions.

How much are Frank’s co-payments?

Frank’s Better Hospital co-payment is $100 per night. This is capped at $700, so after seven consecutive nights you won't have to pay any more co-payments as part of that admission.