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The Lifetime Health Cover (LHC) loading is a Government loading on your private hospital cover premiums. It was introduced on July 1, 2000 to encourage people to take out private hospital cover earlier, and to maintain their cover.
This determines what government rebate will be applied, find out more.
Hospital services
A waiting period is the time between joining Frank and when you're covered for a hospital treatment.
Waiting periods for hospital services – when included on your cover – are as follows:
0 days
Accidents – bodily injuries resulting from accidents which occur after the date of joining Frank or upgrading to a higher cover. Emergency ambulance.
2 months
Any other benefit for hospital (or hospital substitution) treatment unless otherwise stated.
12 months
Pregnancy and birth-related services, pre-existing ailment, illness or condition (other than psychiatric, rehabilitation and palliative care).
Extras services
A waiting period is the time between when you first take out or upgrade your health insurance and when you're covered for a treatment or service.
Waiting periods for extras services – when included on your cover – are as follows:
0 days
Emergency ambulance transport and subscriptions.
2 months
Any services that are not specified below.
6 months
Optical
12 months
Major dental services including full and partial dentures, crown and bridgework, endodontic services such as root canal, gold fillings, indirect restorations, and surgical extractions of a tooth/teeth (including wisdom teeth). Orthodontics, podiatric surgery, orthotics (foot), and health appliances.
A special waiting period applies to obtain benefits for hospital treatment for new members who have pre-existing conditions. The waiting period also applies to existing members who have recently upgraded their level of hospital cover.
A pre-existing condition is one where signs or symptoms of your ailment, illness or condition, in the opinion of a medical practitioner appointed by Frank (not your own doctor), existed at any time during the six months preceding the day on which you purchased your hospital insurance or upgraded to a higher level of hospital cover and/or benefit entitlement. If the ailment, illness or condition is considered pre-existing:
New members
New members must wait 12 months for any hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (transferring or upgrading)
Members transferring/upgrading to a higher hospital cover must wait 12 months to get the higher hospital benefits (other than psychiatric, rehabilitation and palliative care).
Types of limits
An extras policy can have different types of limits. The limit type for included services is outlined in the fact sheet for each cover.
Annual limit – Frank extras annual limits run on a calendar year (January to December) and reset on 1 January. If you use all your limit in one year, you’ll have to wait until 1 January the following year to start claiming benefits again. Note that some services also have a multi-year limit or lifetime limit.
Person limit – The total amount each person on the membership can claim on a service within a calendar year.
Membership limit – The maximum amount that can be claimed for a membership/policy in a calendar year. These limits are shared between all people on the membership.
Sub-limit – The total amount you can claim on a particular service or treatment within the overall annual limit.
Combined limit – This is a single limit that can be used across a collection of services.
Lifetime limit – The maximum amount a person can claim for a service during their lifetime. This applies for orthodontic treatment, per person on the membership.
Multi-year limit – The maximum amount you can claim, every few years.
Restricted services are limited to a minimum (default) benefit as set by the Australian Government for accommodation as a private patient in a shared room of a public hospital. The benefit does not cover the cost of a private room in a public hospital or any room in a private hospital, and does not cover theatre costs. If you are admitted to a private hospital for treatment that is restricted by your policy, large out of pocket expenses will apply.
Services, procedures and treatments included in your health insurance cover.
Services, procedures, or treatments not included in your health insurance cover.
Rates are effective 1 April 2026. | All contribution quotes by this calculator are subject to variation and should therefore be considered indicative contribution rates. | All prices include the Australian Government Rebate on private health insurance as per selected income level and do not include any applicable Lifetime Health Cover loading. | All payments are only available via direct debit from a bank/ credit union account. | Frank does not issue payment notices or invoices.
If you're 18-29, you will receive the below discount on your hospital cover as determined by your age. Learn more about how this works.
| Age when taking out cover | % age based discount |
|---|---|
| 18-25 years old | 10% |
| 26 years old | 8% |
| 27 years old | 6% |
| 28 years old | 4% |
| 29 years old | 2% |
| 30 years old | 0% |
Each year private health insurers review the cost of healthcare and use this information to adjust premiums. Any change must be reasonable and approved by the Federal Health Minister.
We want you to know now so you're not disappointed when you sign up today and see your premium change in April.
The amount of money a member agrees to pay for a hospital stay before Frank pays benefits. The excess is per person, calendar year based.
Want to set the overall limit* for your extras cover? With Frank Bundables, you can.
Prefer the flexibility to spend it how you like across popular services? No worries – this is extras, your way.
Your overall limit is the total you can claim in a calendar year and it’s shared by everyone on the membership. Each included service (or group of services) has a sub-limit that’s half your annual limit.
Annual limit
The total amount you can claim in a year, shared across your membership on Frank Bundables.
Sub-limit
The max you can claim for a specific service or group of services. For Frank Bundables, that’s half your annual limit.
*Frank Bundables $1,500 and $2,000 limits are only available when combined with eligible bronze or silver hospital products.
Frank Originals feature a range of individual and grouped separate limits for included services either per person or per membership.
