Skip 2 & 6 month waits on extras when joining combined cover before May 15**For new members who have not been a member during the last 12 months joining on combined cover paying by direct debit. 12 month waits and sub-limits apply. Extras claims made with a previous fund are included in your annual limits. Only available via Frank website and phone joins. Not available in conjunction with any other offer. Offer ends 15 May 2021.
If you’re looking for affordable cover in a private hospital for some of the more basic treatments in life, check out Frank’s Private Hospital (Bronze) cover.
What hospital services are covered?
Private Hospital (Bronze) provides benefits as a private patient in a private or public hospital for all hospital admissions covered by Medicare unless they are listed as an exclusion or restriction on the cover.
What’s covered in a public hospital only?
Private Hospital (Bronze) cover provides benefits as a private patient in a public hospital only for the following services.
If you elect to be admitted to a public hospital as a private patient, you’re entitled to the minimum benefits payable by private health insurers for a shared room in a public hospital. Electing to be a private patient in a public hospital could result in out of pocket costs to you. Ensure you receive written informed financial consent from your treating doctors and hospital before any hospital admission.
What hospital services are excluded?
Taking out Frank’s Private Hospital (Bronze) cover won’t provide 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.
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 Private Hospital (Bronze) has the following waiting periods:
- 0 days for hospital treatment as a result of an accident (accident must occur after joining) or for emergency ambulance transport
- 2 months for psychiatric, rehabilitation, palliative care and hospital treatments that are not pre-existing conditions
- 12 months for 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.
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
Under Frank’s Private Hospital (Bronze) cover you’ll be covered for private room in a participating private hospital for services included as part of the cover.
Fixed benefits are payable for hospitalisation in non-participating private hospitals. Contact Team Frank for further details as treatment in a non-participating private hospital will result in out-of-pocket expenses.
You’ll still be covered, but there are special waiting periods for pre-existing conditions as part of the Private Hospital (Bronze) 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.
Frank covers 100% of the MBS for pathology and radiology.
Find out more about Gap Cover here.
Refer to the Private Hospital (Bronze) fact sheet for full product information including excesses, waiting periods and benefit limitation periods.
Information relating to this cover should be read and retained.