What is an excess?

An excess is the amount you pay when you are admitted into hospital. Excess fees allow us to keep membership costs low.

Do I have to pay an excess?

All Frank’s hospital covers have an excess, but you only have to pay if you’re admitted to hospital.

How do I pay the excess?

When you’re admitted you’ll have to pay the excess directly to the hospital. We then pay the rest of your hospital expenses at the rate dictated by your cover.

How much are Frank's excesses?

The most you'll have to pay for excess for hospital visits per calendar year is:

  • Singles: $500
  • Couple / Family:  $500 per person up to a maximum of $1,000 per policy