*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000Get a quote
Freedom Saver Flexi Bundle (Basic+)
from
$23.20*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000Get a quote
The Freedom Saver Flexi-Bundle (Basic+) is a great option for healthy singles and couples looking for hospital and extras. Private hospital cover for some essentials with exclusions on a range of services to keep your costs down.
Flexible extras to claim across a range of services, a separate limit for Optical and a Freedom Limit that increases every full calendar year up to 4 years. So the longer you’re with us, the more you can claim.
Freedom limit, flex it your way. Because sometimes your needs might change a little, you have a $700 freedom limit to claim on your 11 included extras services.
The longer you’re with us, the more you can claim. 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.
Plus an additional Optical limit. You can claim 100% back on optical up to your $150 annual limit
What hospital services are covered?
Freedom Saver Flexi-Bundle (Basic+) 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
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.
Dental surgery
Tonsils, adenoids and grommets
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.
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.
Gynaecology
Hernia and appendix
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.
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.
Miscarriage and termination of pregnancy
Joint reconstructions
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.
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.
What’s covered in a public hospital only?
Freedom Saver Flexi-Bundle (Basic+) 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.
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 the Freedom Saver Flexi-Bundle (Basic+) cover won’t give you benefits as a private patient in a public hospital or private hospital for the following services.
Blood
Bone, joint and muscle
Blood
Hospital treatment for the investigation and treatment of blood and blood-related conditions.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Blood.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
Bone, joint and muscle
Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards bone, joint and muscle.
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
Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards brain and nervous system.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
Breast surgery (medically necessary)
Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Breast surgery (medically necessary).
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
Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Kidney and bladder.
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
Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Chemotherapy, radiotherapy and immunotherapy for cancer.
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)
Digestive system
Diabetes management (excluding insulin pumps)
Hospital treatment for the investigation and management of diabetes.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Diabetes management (excluding insulin pumps).
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
Digestive system
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Digestive system.
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
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.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Ear, nose and throat.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
Eye (not cataracts)
Hospital treatment for the investigation and treatment of the eyes and content of the eye sockets.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Eye (not cataracts).
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
Gastrointestinal endoscopy
Heart and vascular system
Gastrointestinal endoscopy
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Gastrointestinal endoscopy.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
Heart and vascular system
Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Heart and vascular system.
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
Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Skin.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
Implantation of hearing devices
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Implantation of hearing devices.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
Lung and chest
Male reproductive system
Lung and chest
Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Lung and chest.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
Male reproductive system
Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Male reproductive system.
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
Hospital treatment for pain management that does not require the insertion or surgical management of a device.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Pain management.
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)
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Plastic and reconstructive surgery (medically necessary).
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)
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Podiatric surgery (provided by an accredited podiatric surgeon).
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
Back, neck and spine
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Back, neck and spine.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
Pregnancy and birth
Assisted reproductive services
Pregnancy and birth
Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.
Freedom Saver Flexi-Bundle (Basic+) 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.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Assisted reproductive services.
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.
Freedom Saver Flexi-Bundle (Basic+) 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.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Joint replacement.
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.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Dialysis for chronic kidney failure.
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.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Insulin pumps.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
Cataracts
Pain management with device
Cataracts
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Cataracts.
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.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Pain management with device.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
Sleep studies
Sleep studies
Hospital treatment for the investigation of sleep patterns and anomalies.
Freedom Saver Flexi-Bundle (Basic+) cover will not pay benefits towards Sleep studies.
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?
Sometimes your needs might change a little. $700 shared limit to use across 11 included services. Plus $150 to spend and 100% back on Optical.
General & Preventative Dental
Optical
General & Preventative Dental
Waiting Period
2 months
Includes dental treatments like check-ups, cleaning and fluoride treatments, x-rays, fillings and basic extractions.
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.
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.
Chinese herbal medicine takes a holistic approach to disease and prophylactic care and focuses as much on the prevention of illness as the treatment of it.
Benefits payable towards consultations only and not on any herbs or medication purchases.
The longer you’re with us, the more you can claim. Get an extra $100 to spend on your freedom limit (excludes Optical) each full calendar year, with a maximum of $400 after 4 years of continual cover. That means your loyalty benefit will be available on 1 January after you’ve completed one full membership year.
Under Frank’s Freedom Saver Flexi-Bundle (Basic+), you'll be covered for a private room in a participating private hospital for services included within 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.
With Freedom Saver Flexi-Bundle (Basic+), regardless of your provider, you get the same amount back per visit, up to your annual limits. Freedom Saver Flexi-Bundle (Basic+) also offers 100% back on optical, up to annual limits. See your fact sheet below for a list of benefits per service.
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 Freedom Saver Flexi-Bundle (Basic+) 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
2 months for psychiatric, rehabilitation, palliative care and hospital treatments that are not pre-existing conditions
2 months for included extras (excluding Optical and Endodontics)
6 months for included Optical services
12 months for Endodontics extras services or any hospital treatment for a pre-existing condition
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.
Endodontic
Chinese Medicine