Essentials Bundle (Silver)

from
$ 34.25*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote

One month free when joining combined cover* by Sep 30.

*For new members only – has not been a Frank member in the last 12 months. Must pay first month to get one month free. Not available in conjunction with any other offer. Offer ends 30 September 2019.

With the perks of private plus a wide range of extras services to help you stay on top of your health, the Essentials Bundle (Silver) is a great option if you’re looking for hospital and extras cover.

The Essentials Bundle (Silver) includes benefits for lots of procedures in a private hospital with some exclusions to keep your costs down and gives you 60% back on popular extras.

What hospital services are covered?

The Essentials Bundle (Silver) provides benefits as a private patient in a private or public hospital for all hospital admissions unless they are listed as an exclusion or restriction for the cover.

  • Accidents
  • Emergency Ambulance
  • Accidents

    Excess

    $750

    Waiting Period

    0 days


    Covers accidental injuries sustained after joining Frank. For an accident to be covered, treatment must be sought through a Doctor or an Emergency Department within 48 hours of sustaining the injury and the hospital admission must occur within 90 days. The Doctor’s letter / hospital report must be supplied to Frank.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Emergency Ambulance

    Excess

    $750

    Waiting Period

    0 days


    Covers emergency ambulance services by a recognised provider Australia wide. Does not include cover for non emergency ambulance transport i.e. from a hospital to your home or ambulance transfers between hospitals. Publicly funded ambulance services and State Government transport schemes are excluded (eg. TAS/ACT/NSW/QLD). Find out more about emergency ambulance services.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Blood
  • Bone, joint and muscle
  • Blood

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of blood and blood-related conditions.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Bone, joint and muscle

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Brain and nervous system

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Breast surgery (medically necessary)

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Kidney and bladder
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Kidney and bladder

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Chemotherapy, radiotherapy and immunotherapy for cancer

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Dental surgery
  • Diabetes management (excluding insulin pumps)
  • Dental surgery

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for surgery to the teeth and gums.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Diabetes management (excluding insulin pumps)

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and management of diabetes.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Tonsils, adenoids and grommets
  • Digestive system
  • Tonsils, adenoids and grommets

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Digestive system

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Ear, nose and throat
  • Eye (not cataracts)
  • Ear, nose and throat

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Eye (not cataracts)

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the eyes and content of the eye sockets.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Gastrointestinal endoscopy
  • Gynaecology
  • Gastrointestinal endoscopy

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Gynaecology

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the female reproductive system.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    To confirm if your procedure is covered, check in with Frank with the proposed MBS item numbers from your doctor.

  • Heart and vascular system
  • Hernia and appendix
  • Heart and vascular system

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Hernia and appendix

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of a hernia or appendicitis.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Skin
  • Implantation of hearing devices
  • Skin

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Implantation of hearing devices

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Lung and chest
  • Joint reconstructions
  • Lung and chest

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Joint reconstructions

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for surgery for joint reconstructions.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Male reproductive system
  • Miscarriage and termination of pregnancy
  • Male reproductive system

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Miscarriage and termination of pregnancy

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Pain management
  • Plastic and reconstructive surgery (medically necessary)
  • Pain management

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for pain management that does not require the insertion or surgical management of a device.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Plastic and reconstructive surgery (medically necessary)

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Podiatric surgery* (provided by an accredited podiatric surgeon)
  • Back, neck and spine
  • Podiatric surgery (provided by an accredited podiatric surgeon)

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    *Hospital accommodation and prothesis costs only

    Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon. 

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Back, neck and spine

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

What’s covered in a public hospital only?

Essentials Bundle (Silver) provides benefits as a private patient in a public hospital only for the following services.

  • Hospital psychiatric services
  • Rehabilitation
  • Hospital psychiatric services

    Excess

    $750

    Waiting Period

    2 months


    Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.

    Staying in a single room in a public hospital or treatment in a private hospital will result in significant out of pocket expenses.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Rehabilitation

    Excess

    $750

    Waiting Period

    2 months


    Hospital treatment for physical rehabilitation for a patient related to surgery or illness.

    Staying in a single room in a public hospital or treatment in a private hospital will result in significant out of pocket expenses.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Palliative care
  • Palliative care

    Excess

    $750

    Waiting Period

    2 months


    Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

    Staying in a single room in a public hospital or treatment in a private hospital will result in significant out of pocket expenses.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

What hospital services are excluded?

Taking out Frank’s Essentials Bundle (Silver) cover won’t give you benefits as a private patient in a public hospital or private hospital for the following services.

  • Pregnancy and birth
  • Assisted reproductive services
  • Pregnancy and birth

    Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.

    Essentials Bundle (Silver) cover will not pay benefits towards Pregnancy and birth

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Assisted reproductive services

    Hospital treatment for fertility treatments or procedures.

    Essentials Bundle (Silver) cover will not pay benefits towards Pregnancy and birth

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Weight loss surgery
  • Joint replacement
  • Weight loss surgery

    Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.

    Essentials Bundle (Silver) cover will not pay benefits towards weight loss surgery.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Joint replacement

    Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.

    Essentials Bundle (Silver) cover will not pay benefits on joint replacement surgery.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Dialysis for chronic kidney failure
  • Insulin pumps
  • Dialysis for chronic kidney failure

    Hospital treatment for dialysis treatment for chronic kidney failure.

    Essentials Bundle (Silver) cover will not pay benefits towards Dialysis.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Insulin pumps

    Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.

    Essentials Bundle (Silver) cover will not pay any benefits towards insulin pumps.

  • Cataracts
  • Pain management with device
  • Cataracts

    Hospital treatment for surgery to remove a cataract and replace with an artificial lens.

    The Essentials Bundle (Silver) cover will not pay any benefits towards Cataract surgery.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Pain management with device

    Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.

    The Essentials Bundle (Silver) cover will not pay any benefits towards Pain management with device.

  • Sleep studies
  • Sleep studies

    Hospital treatment for the investigation of sleep patterns and anomalies.

    Essentials Bundle (Silver) cover will not pay any benefits towards Sleep studies.

What extras services are covered?

Frank pays benefits towards services listed below. Benefits are calculated as 60% of the provider fee up to annual limits.

  • General Dental
  • Major Dental
  • General & Preventative Dental

    Waiting Period

    2 months


    Includes dental treatments like check-ups, cleaning and fluoride treatments, x-rays, fillings and basic extractions.


    Annual limit

    General & Preventative Dental shares an annual limit with Major dental services. Sub-limits apply.

    $600 per person

    Dental rules apply. Refer to Essentials Bundle (Silver) fact sheet for full product information.

    Sub limit applies for Occlusal Therapy - $300 limit per course of treatment by a Specialist applies for Occlusal Therapy (included in the total shared dental limit).

  • Major Dental

    Waiting Period

    12 months


    Major Dental includes treatment for things like more complicated fillings, extractions, crowns, bridgework, dental implants, root canal treatment and indirect restorations.

    Excludes dentures.


    Annual limit

    Major Dental shares an annual limit with General & Preventative dental services. Sub-limits apply.

    $600 per person

    Dental rules apply. Refer to Essentials Bundle (Silver) fact sheet for full product information.

    Sub limits apply to the below Major Dental treatments (sub limits are included in the total shared Dental limit)

    • $350 per person and $700 per couple / family for Indirect Restorations
    • $400 per person for Dental Implants
  • Orthodontic
  • Optical
  • Orthodontic

    Waiting Period

    12 months


    Orthodontic treatment includes braces or a plate. Orthodontic treatment has an annual limit and a lifetime limit of $1,700.

    Because orthodontic benefits can be a little confusing, we have some more information that explains how they work here.


    Annual limit

    $500 per person

    Dental rules apply. Refer to Essentials Bundle (Silver) fact sheet for full product information.

  • Optical

    Waiting Period

    6 months


    Includes prescription glasses, prescription sunglasses and prescription contact lenses

    Does not include non-prescription sunglasses, repairs or frames purchased without prescription lenses or ophthalmology appointments.


    Annual limit

    $250 per person

  • Chiropractic
  • Osteopathy
  • Chiropractic

    Waiting Period

    2 months


    Chiropractic care uses manual treatments (including spinal manipulations – termed ‘adjustments’) to treat disorders of the musculoskeletal system.

    Benefits will only be paid for one consultation and/or treatment per provider per day.

    A sublimit of 1 per year applies to Chiropractic X-rays.


    Annual limit

    Chiropractic shares an annual limit with Osteopathy services.

    $300 per person

  • Osteopathy

    Waiting Period

    2 months


    Osteopathy is a holistic system of medicine that emphasises the inter-relationship of the body's nerves, muscles, bones and organs, and uses a ‘whole body’ approach to treatment.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Osteopathy shares an annual limit with Chiropractic services.

    $300 per person

  • Physiotherapy
  • Hydrotherapy
  • Physiotherapy

    Waiting Period

    2 months


    Physiotherapy is concerned with the assessment, diagnosis, and treatment of disease and disability through physical means.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Physiotherapy shares an annual limit with Hydrotherapy, Myotherapy and Exercise Physiology services.

    $300 per person

  • Hydrotherapy

    Waiting Period

    2 months


    Hydrotherapy uses specialist exercises that take place in a warm water pool to heal injuries and aid in rehabilitation.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Hydrotherapy shares an annual limit with Physiotherapy, Myotherapy and Exercise Physiology services.

    $300 per person

  • Myotherapy
  • Exercise Physiology
  • Myotherapy

    Waiting Period

    2 months


    Myotherapy is muscle therapy used to relieve pain based on applying pressure at trigger points throughout the body. Myotherapy treatments focus on muscular injury prevention and rehabilitation.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Myotheraphy shares an annual limit with Physiotherapy, Hydrotherapy and Exercise Physiology services.

    $300 per person

  • Exercise Physiology

    Waiting Period

    2 months


    Exercise Physiology can assist with the prevention and management of chronic diseases and injuries through exercise.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Exercise Physiology shares an annual limit with Physiotherapy, Myotherapy and Hydrotherapy services.

    $300 per person

  • Psychology
  • Pharmacy
  • Psychology

    Waiting Period

    2 months


    Psychologists work with patients to gain an understanding of their mind and how it impacts their behaviour. Generally this is done through group or one-on-one discussions.

    If you’re entitled to a Medicare rebate on your psychology sessions, you cannot claim your out of pocket with Frank. Once you are no longer eligible to claim with Medicare, then you can claim on this cover.

    Annual limit

    $200 per person

  • Pharmacy

    Waiting Period

    2 months


    Benefits cannot be paid for PBS Scripts, contraceptives, items not on the TGA Register or items purchased overseas. Pharmaceuticals must be classed as either Schedule 4 or Schedule 8 for benefits to be paid.

    Benefits are payable for selected travel vaccinations administered by a doctor or at a vaccine clinic if you have a pharmacy receipt, doctor's account or vaccine clinic account. Find out what travel vaccinations are covered here.

    A sub limit of $50 per script (after PBS co-payment deduction) and $50 per travel vaccination (with a sub limit of $100 per person) applies.

    Annual limit

    $300 Annual Limit (per person)

  • Acupuncture
  • Remedial Massage
  • Acupuncture

    Waiting Period

    2 months


    Acupuncture is a broad term covering techniques for inserting and manipulating thin needles into specific points on the body in order to restore health and wellbeing.

    Benefits will only be paid for one consultation and/or treatment per provider per day. You cannot claim on any herbs, supplements or pills prescribed by the provider, only consultations.


    Annual limit

    Acupuncture shares an annual limit with Remedial Massage services.

    $400 per person

  • Remedial Massage

    Waiting Period

    2 months


    Remedial Massage is a combination of massage techniques used to treat injuries of the muscles, tendons, ligaments or connective tissues.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Remedial Massage shares an annual limit with Acupuncture services.

    $400 per person

  • Dietetics
  • Speech Therapy
  • Dietetics

    Waiting Period

    2 Months


    Dietetics looks at the science of nutritional planning and preparation of foods.

    Benefits only be paid for one consultation and/or treatment with a dietician per day.

    Annual limit

    $200 per person

  • Speech Therapy

    Waiting Period

    2 months


    Speech therapy covers the treatment of speech and communication disorders.

    Benefits will only be paid for one consultation and/or treatment with a speech pathologist per day.

    Annual limit

    $200 per person

  • Podiatry
  • Orthotics
  • Podiatry

    Waiting Period

    2 Months for General Podiatry

    12 Months for Podiatry Surgery


    Podiatry treats disorders of feet and lower limbs.

    If you have Podiatric Surgery in a hospital performed by an orthopaedic surgeon, then this would be part of a hospital cover. Your extras cover doesn’t get used.

    If you have Podiatric Surgery in hospital by an approved podiatric surgeon (there are only a few in Australia), Essentials Bundle (Silver) will assist in covering the surgeons fees. Benefits from hospital expenses, theatre fees etc would be payable from a relevant health cover. View the list of approved podiatric surgeons here.

    Annual limit

    $200 per person

    Podiatric surgery rules apply. Refer to Essentials Bundle (Silver) fact sheet for full product information.

  • Orthotics

    Waiting Period

    12 months


    Orthotics are custom foot supports designed to support the feet and correct any lower limb problems. Benefits can only be claimed if the orthotics are custom made (from a cast or mould taken from you) by a podiatrist in a private practice.

    Annual limit

    $200 per person

  • Ambulance Subscription
  • Ambulance Subscription

    Waiting Period

    0 days


    VIC, SA, WA and NT residents can claim the full cost of one ambulance subscription per year. Ambulance is covered differently in each state. To make sure you know exactly how it's covered in your state, check out more info here.

    Annual limit

    1 subscription per policy

Can I get more information?

Frank has a lot more information about the specifics of cover. Find out more about hospital fees, doctor’s fees, gap and all the nitty gritty here.

Yes. If you are admitted to hospital you will have to pay an excess. The most you will have to pay in excess per year is:

  • Single $750 per year
  • Couple / Family $750 per person up to a maximum of $1,500 per policy

Under Frank’s Essentials Bundle (Silver), you’ll be covered for a private room in a participating private hospital for services included under your cover.

For public hospitals, Frank will pay minimum benefits for a shared room only for the services included under your cover.

Always get written financial consent for any hospital admission.

You’ll still be covered, but there are special waiting periods for pre-existing conditions as part of the Essentials Bundle (Silver) hospital cover. For services that relate to your condition the waiting periods will be extended, generally to 12 months. Find out more about pre-existing conditions here.

All of Frank's hospital covers come with Gap Cover.

Every hospital procedure has a minimum benefit payable set by Medicare. This is called the Medicare Benefits Schedule (MBS) Fee. You always get 100% of this back if you have private health insurance. However, if your doctor charges more than this, Frank will cover you up to 120% of the MBS to help reduce your out of pocket costs. Anything your doctor charges above 120% of the scheduled fee is an out of pocket expense or known gap. You can check this amount with your doctor. Find out more about Gap Cover here.

With the Essentials Bundle (Silver), you get 60% back on included extras. Whatever the provider charges, Frank pays 60% back up to your annual limits. That means if you are charged $40 for a treatment your benefit will be $24 as long as you have served your waiting periods and have available limits.

Check the Essentials Bundle (Silver) fact sheet for annual limit details on Extras services included as part of this cover.

Yes. Frank believes in freedom of choice, so we pay the same benefits to any registered provider. This means you can use your regular dentist, optometrist or physio and still claim.

Yes, on most services you will have to serve a waiting period if you’re new to health insurance. With Frank (and most health insurers) you have to wait a specific amount of time between signing up and making your first claim.

The Essentials Bundle (Silver) has the following waiting periods:

  • 0 days for hospital treatment as a result of an accident (accident must occur after joining) or for emergency ambulance transport
  • 0 days for Ambulance subscription (VIC, SA, WA and NT only)
  • 2 months for psychiatric, rehabilitation, palliative care and hospital treatments that are not pre-existing conditions
  • 2 months for included extras (excluding Optical, Major Dental, Orthodontic, Podiatry Surgery and Orthotics services)
  • 6 months for included Optical services
  • 12 months for Major Dental, Orthodontic, Podiatry Surgery and Orthotics extras services or any hospital treatment for a pre-existing condition

Find out more about waiting periods here.

The good news is that waiting periods may not apply if you’re coming to Frank from another fund. Find out more about switching to Frank here.

Yes there are. This might make us sound mean but if you have a read, you'll see they're fair. If you’re interested, check out the list of things Frank won’t pay on here.

Important

Refer to the Essentials Bundle (Silver) fact sheet for full product information including excesses, waiting periods and benefit limitation periods.

Information relating to this cover should be read and retained.

Essentials Bundle (Silver)

from
$ 34.25*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote