An excess is the amount you pay when you are admitted into hospital as a private patient. Excess fees allow us to keep membership costs low. The most you’ll pay for your excess on Frank hospital covers is $750 per person per year (up to a max of $1,500 for a family).
Having an excess on hospital cover helps keep your premiums down the rest of the time. You only have to pay an excess once a year per person, so if you're admitted to hospital as a private patient multiple times in a calendar year, even for different reasons, you’ll only have to front up your hospital excess amount once.
When you’re admitted to a hospital as a private patient, 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.
All open Frank hospital covers have a per calendar year excess of:
Because 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.
