Skip 2 & 6 month waits on extras when joining on combined cover by February 28**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. 12 month waits and sub-limits apply. Extras claims made with a previous fund are included in your annual limit. Only available via Frank website and phone joins. Not available in conjunction with any other offer or on Frank OVHC. Offer ends 28 February 2021.
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.
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.
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.
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.
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.