Essentials Bundle

from
$ 29.90*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote

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

The Essentials Bundle 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 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
  • Colonoscopies
  • Accidents

    Excess

    $500

    Waiting Period

    1 day


    Cover for accidental injuries sustained after joining Frank (joint investigations & reconstructions are covered if they are required as a result of an accident). For an accident to be covered, treatment must be sought through a Doctor or an Emergency Department within 48 hours of sustaining the injury. 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.

  • Colonoscopies

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    A colonoscopy is a medical exam used to detect changes or abnormalities in the 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.

  • Gastroscopies
  • Heart surgery
  • Gastroscopies

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    A gastroscopy is a medical exam used to check the upper digestive tract (oesophagus, stomach and duodenum) using an endoscope to view the lining of the organs.

    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.

  • Heart surgery

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Surgeries related to the treatment of the heart and blood vessels. Includes cardiac surgery and coronary care.

    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 investigation
  • Joint reconstruction
  • Joint investigation

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    A joint investigation is a surgical procedure to explore a specific joint that you might be having issues with.

    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 reconstruction

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Surgeries related to the treatment of the heart and blood vessels.

    A joint reconstruction involves surgery to repair damaged joints.

    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.

  • Minor Gynaecology
  • Emergency Ambulance
  • Minor Gynaecology

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Minor Gynaecological services can include laparoscopy, hysteroscopy, dilatation & curettage (D&C) and some minor cervical procedures.

    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.

  • Emergency Ambulance

    Waiting Period

    1 day


    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. Find out more about emergency ambulance services

  • Other Services
  • Other services

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    As long as the service or procedure isn’t excluded from this cover, Frank will pay benefits for 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 hospitals. Fixed benefits are payable in a non-participating private hospital.

    For included surgical implants, Frank will pay benefits no higher than the no gap government prescribed benefit.

    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 provides benefits as a private patient in a public hospital only for the following services.

  • Psychiatric
  • Rehabilitation
  • Psychiatric

    Excess

    $500

    Waiting Period

    2 months


    Psychiatric services cover the in hospital treatment of a mental illness or addiction.

    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

    $500

    Waiting Period

    2 months


    Rehabilitation aims to maximise recovery and restore independence after illness or injury through intensive physical therapy and exercise programs.

    Frank will pay accommodation charges in a shared room in a public hospital.

    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

    $500

    Waiting Period

    2 months


    Palliative care is designed to relieve pain and suffering of patients with life threatening illnesses.

    Frank will pay benefits towards public hospital treatment and shared room accommodation charges.

    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 cover won’t give you benefits as a private patient in a public hospital or private hospital for the following services.

  • Pregnancy
  • Reproductive services
  • Pregnancy

    Essentials Bundle cover will not pay any benefits towards pregnancy services and treatment relating to childbirth or complications during pregnancy.

    If you’re looking for private hospital pregnancy and related services cover check out Frank’s Best Hospital.

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

  • Reproductive services

    Essentials Bundle cover will not pay any benefits towards services provided in a hospital relating to egg retrieval and implantation.

    If you’re looking for private hospital pregnancy and related services cover check out Frank’s Best Hospital.

    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

    Obesity related surgeries including Gastric Banding, Gastric Bypass, Laparoscopic ‘Tube’ or ‘Sleeve’ Gastrectomy and Gastric Balloon surgeries.

    Essentials Bundle 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

    Joint (shoulder, knee, elbow and hip) replacement surgeries remove the damaged joint and replace it with an artificial joint.

    Essentials Bundle 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
  • Dental Implants
  • Dialysis

    Dialysis replaces the function of the kidneys by removing waste products and excess fluids from the body and is used by people with kidney failure or disease.

    Essentials Bundle 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.

  • Dental Implants

    Essentials Bundle cover will not pay any benefits towards dental implant procedures performed in a hospital.

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

  • Cataract surgery
  • Cosmetic surgery
  • Eye surgery

    Including cataract surgery, eye lens procedures and corneal transplants.

    The Essentials Bundle 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.

  • Cosmetic Surgery

    Frank will not pay benefits on cosmetic surgery that isn’t medically necessary.

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

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 fact sheet for full product information.

  • Major Dental

    Waiting Period

    12 months


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

    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 fact sheet for full product information.

  • Orthodontic
  • Optical
  • Orthodontic

    Waiting Period

    12 months


    Orthodontic treatment includes braces or a plate. Orthodontic treatment has an annual limit and a lifetime limit.

    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 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

  • Naturopathy
  • Homeopathy
  • Naturopathy

    Waiting Period

    2 months


    Naturopathy is a method of treating disease using food, exercise, heat and other natural methods that assist the natural healing process.

    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

    Naturopathy shares an annual limit with Homeopathy, Acupuncture and Remedial Massage services.

    $400 per person

  • Homeopathy

    Waiting Period

    2 months


    Homeopathy is an alternative medicine which treats conditions using heavily diluted natural substances that in larger amounts would produce symptoms of the condition.

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


    Annual limit

    Homeopathy shares an annual limit with Naturopathy, Acupuncture and Remedial Massage services.

    $400 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 Naturopathy, Homeopathy and 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 Naturopathy, Homeopathy and 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 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 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

  • 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 purchases 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)

  • Ambulance Subscription
  • Ambulance Subscription

    Waiting Period

    1 day


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

Under Frank’s Essentials Bundle, 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 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, 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 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 has the following waiting periods:

  • 1 day for hospital treatment as a result of an accident or for emergency ambulance transport
  • 1 day 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 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

from
$ 29.90*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote