Choosing Hospital Cover
Different options for different needs
Want 6 weeks free?
6 weeks free + skip 2 & 6 month waits on extras when joining on combined cover by 31 October*
See terms and conditions6 weeks free + skip 2 & 6 month waits on extras when joining on combined cover by 31 October*
*For new members who have not been a member during the last 12 months, joining on combined hospital and extras cover, paying by direct debit. Must pay first month to receive six weeks free. Other waits (including hospital waits), annual and sub limits apply. Extras claims made with a previous fund count towards annual limits. Not available with any other offer or Frank OVHC. Offer ends 31 October 2024.
Frank Covers
- All Covers
- Choosing Hospital Cover
- Gold Hospital (Gold)
- Max Hospital 750 (Silver+)
- Silver Hospital (Silver)
- Better Hospital (Bronze+)
- Bronze Plus Hospital (Bronze+)
- Private Hospital (Bronze)
- Entry Hospital (Basic+)
- Accident Boost Hospital (Basic)
- Choosing Extras Cover
- Lots Extras 80% Back
- Lots Extras 50% Back
- More Extras
- Everyday Extras
- Some Extras 80% Back
- Some Extras 50% Back
- Simple Extras
- Easy Extras
- Basic Extras
- Freedom Flexi Bundles
- Overseas Visitor Health Cover
Choose a level of cover from the list to view what's covered.
What is Hospital Cover?
Hospital cover is exactly what it sounds like: insurance that helps to cover your costs in hospital. With hospital cover you’re covered for things like treatment, accommodation and nursing care.
How much of your expenses are paid depends on your level of cover, the procedure or care given, and the hospital you choose to stay in.
Hospital cover doesn't cover you for services received outside of a hospital like a visit to your GP, dentist or new glasses. Things like x-rays, where you aren't admitted as an inpatient to hospital (even if they're done in a hospital building) also aren’t covered.
What Hospital Cover is best for me?
Before taking out hospital cover, work out exactly why you want it. Are you looking for entry level cover and happy to exclude services to keep the price down or do you want peace of mind knowing that you’re covered for whatever life might throw at you?
Frank has a range of hospital covers across different price levels. If one cover is cheaper than another, it’s because it excludes treatments or services that cost more than others. Always check the exclusion list on a product and decide how important the treatment or service is to you.
Do I have to pay an excess?
Yes. If you are admitted to hospital, you will have to pay an excess directly to the hospital upon admission. An excess helps with the cost of your admission and by having an excess, the amount you pay for your cover is lower.
This amount will vary based on the cover you select.
Can I get more information about fees?
Of course. There is more information about hospital fees, doctors’ fees, gap and all the nitty gritty if you’re admitted to hospital.Find out more about fees and how they work here.
Will I have to wait before I claim?
Yes, particularly if you’re new to health insurance. With our covers (and most other health insurers) you have to wait a specific amount of time between signing up and making your first claim. This is called a waiting period.
The following table shows the waiting periods that apply.
Frank's Hospital cover waiting periods | |
---|---|
12 months | Pregnancy and pre-existing conditions (except psychiatric, rehab or palliative care) |
2 months | Psychiatric, rehab or palliative care and any other hospital treatment |
0 day | Accidents |
Find out more about waiting periods.
Are there services Frank won’t pay on?
Yes there are. It might make us sound mean, but if you have a read, you'll see they're fair. Read the full list of things Frank won’t pay on.
Important
The cover information on this page should be read and retained.
Frank Covers
- All Covers
- Choosing Hospital Cover
- Gold Hospital (Gold)
- Max Hospital 750 (Silver+)
- Silver Hospital (Silver)
- Better Hospital (Bronze+)
- Bronze Plus Hospital (Bronze+)
- Private Hospital (Bronze)
- Entry Hospital (Basic+)
- Accident Boost Hospital (Basic)
- Choosing Extras Cover
- Lots Extras 80% Back
- Lots Extras 50% Back
- More Extras
- Everyday Extras
- Some Extras 80% Back
- Some Extras 50% Back
- Simple Extras
- Easy Extras
- Basic Extras
- Freedom Flexi Bundles
- Overseas Visitor Health Cover
Freedom limit, flex it your way
Because sometimes your needs might change a little, you have a $500 freedom limit to claim on your 7 included extras services.
And the longer you're with us, the more you can claim.
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.
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.
Plus an additional Optical limit. You can claim 100% back on optical up to your $150 annual limit.
And 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.