Basic Hospital Plus (Basic+)

from
$ 20.90*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote

One month free when joining combined cover* by Sep 30.

*For new members only – has not been a Frank member in the last 12 months. Must pay first month to get one month free. Not available in conjunction with any other offer. Offer ends 30 September 2019.

If you like the idea of Frank’s Basic Hospital Plus (Basic+) cover but want the option of private for some of the more common procedures that happen in life, check out Basic Hospital Plus (Basic+).

What’s covered in a public hospital?

Basic Hospital Plus (Basic+) provides benefits as a private patient in a public hospital for all procedures or services unless they are listed as an exclusion for the cover.

  • Accidents
  • Back, neck and spine
  • 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.

    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.

  • Back, neck and spine

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.

    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.

  • Blood
  • Bone, joint and muscle
  • Blood

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of blood and blood-related conditions.

    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.

  • Bone, joint and muscle

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.

    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.

  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Brain and nervous system

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.

    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.

  • Breast surgery (medically necessary)

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.

    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.

  • Kidney and bladder
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Kidney and bladder

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.

    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.

  • Chemotherapy, radiotherapy and immunotherapy for cancer

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.

    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.

  • Sleep studies
  • Diabetes management (excluding insulin pumps)
  • Sleep studies

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation of sleep patterns and anomalies.

    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.

  • Diabetes management (excluding insulin pumps)

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and management of diabetes.

    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.

  • Pain management with device
  • Digestive system
  • Pain management with device

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of 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.

  • Digestive system

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.

    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.

  • Ear, nose and throat
  • Eye (not cataracts)
  • Ear, nose and throat

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    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.

    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.

  • Eye (not cataracts)

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the eyes and content of the eye sockets.

    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.

  • Cataracts
  • Pregnancy and birth
  • Cataracts

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for surgery to remove a cataract and replace with an artificial lens.

    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.

  • Pregnancy and birth

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.

    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.

  • Heart and vascular system
  • Assisted reproductive services
  • Heart and vascular system

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.

    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.

  • Assisted reproductive services

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for fertility treatments or procedures.

    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.

  • Skin
  • Implantation of hearing devices
  • Skin

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails.

    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.

  • Implantation of hearing devices

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

    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.

  • Lung and chest
  • Joint replacement
  • Lung and chest

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.

    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.

  • Joint replacement

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.

    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.

  • Male reproductive system
  • Miscarriage and termination of pregnancy
  • Male reproductive system

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.

    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.

  • 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.

    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.

  • Pain management
  • Plastic and reconstructive surgery (medically necessary)
  • Pain management

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for pain management that does not require the insertion or surgical management of a device.

    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.

  • Plastic and reconstructive surgery (medically necessary)

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity.

    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.

  • Podiatric surgery* (provided by an accredited podiatric surgeon)
  • Palliative care
  • Podiatric surgery (provided by an accredited podiatric surgeon)

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    *Hospital accommodation and prothesis costs only

    Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon. 

    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

    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.

  • 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.

What’s covered in a private hospital?

Basic Hospital Plus (Basic+) provides benefits as a private patient in a private or public hospital for the following procedures.

  • Tonsils, adenoids and grommets
  • Joint reconstructions
  • 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.

  • 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.

  • Hernia and appendix
  • Gastrointestinal endoscopy
  • 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.

  • Gastrointestinal endoscopy

    Excess

    $750

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.

    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
  • 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.

What’s excluded?

Taking out Frank’s Basic Hospital Plus (Basic+) cover won’t give you benefits as a private patient in a public hospital or private hospital for the following services.

  • Insulin pumps
  • Weight loss surgery
  • Insulin pumps

    Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.

    Basic Hospital Plus (Basic+) cover will not pay any benefits towards Sleep studies.

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

  • 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.

    Basic Hospital Plus (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.

  • Dialysis for chronic kidney failure
  • Gynaecology
  • Dialysis for chronic kidney failure

    Hospital treatment for dialysis treatment for chronic kidney failure.

    Basic Hospital Plus (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.

  • Gynaecology

    Hospital treatment for the investigation and treatment of the female reproductive system.

    Basic Hospital Plus (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.

  • Emergency Ambulance
  • Emergency Ambulance

    Basic Hospital Plus (Basic+) cover will not pay benefits towards emergency ambulance.

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

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.

A public hospital policy will cover you for treatment as a private patient in a public hospital. It’s important to remember that this policy won’t let you skip public hospital waiting lists and it won’t give you priority over public patients.

Frank’s Basic Hospital Plus (Basic+) cover will only provide private hospital services and accommodation benefits for procedures listed under ‘What’s covered in a private hospital?’.

For services covered under ‘What’s covered in a public hospital?’ your costs are covered for shared room accommodation in a public hospital, but not for a single room in a public hospital, or any room in a private hospital.

With Basic Hospital Plus (Basic+), staying in a single room in a public hospital or any room in a private hospital for services not listed under ‘What’s covered in a private hospital?’ will result in significant out-of-pocket expenses.

If you do receive treatment in a private hospital for services that are not covered in a private hospital Frank will pay the minimum benefit (also known as the Commonwealth default rate) which is the lowest amount that a health insurer is permitted to pay for a hospital admission that is included on the policy. The minimum benefit is the same amount that a public hospital would charge a private patient for a shared room.

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. This is called a waiting period.

Basic Hospital Plus (Basic+) has the following waiting periods:

  • 0 days for hospital treatment as a result of an accident (accident must occur after joining)
  • 2 months for psychiatric, rehabilitation, palliative care and hospital services and procedures that are not pre-existing conditions
  • 12 months for pregnancy services and pre-existing conditions

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. 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 $750 per year

Couple / Family $750 per person up to a maximum of $1,500 per policy

You’ll still be covered, but there are special waiting periods for pre-existing conditions. 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.

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 Basic Hospital Plus (Basic+) fact sheet for full product information including excesses and waiting periods.

Information relating to this cover should be read and retained.

Basic Hospital Plus (Basic+)

from
$ 20.90*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote