The Starter Bundle is perfect if you’re healthy and are looking for low cost private hospital cover for accident only. With the added benefit of 60% back on popular extras, this is a cover made to use.
What hospital services are covered?
The Starter Bundle provides benefits as a private patient in a private or public hospital for accidents only.
What’s covered in a public hospital only?
Starter Bundle provides benefits as a private patient in a public hospital only for the following services.
What hospital services are excluded?
Taking out Frank’s Starter Bundle will not cover you for any hospital admissions unless it is relating to injuries as a result of an accident, psychiatric care, rehabilitation or palliative care.
What extras services are covered?
Frank pays benefits towards services listed below. Benefits are calculated as a 60% of the provider fee up to annual limits.
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
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 Starter 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 Starter 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 Starter Bundle has the following waiting periods:
- 1 day for hospital treatment as a result of an accident
- 1 day for Ambulance subscription (VIC, SA, WA and NT only)
- 2 months for psychiatric, rehabilitation and palliative care
- 2 months for included extras (excluding Major Dental and Orthodontic)
- 12 months for Major Dental and Orthodontic 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.
Refer to the Starter 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.