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If you’re looking for affordable cover in a private hospital for some of the more basic treatments in life, check out Frank’s Basic Private Hospital cover.
What hospital services are covered?
Basic Private Hospital 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?
Basic Private Hospital 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 Basic Private Hospital 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 Basic Private Hospital has the following waiting periods:
- 1 day for hospital treatment as a result of an accident
- 1 day for Ambulance subscription (VIC, SA, WA and NT only)
- 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 $500 per year
Couple / Family $500 per person up to a maximum of $1,000 per policy
Under Frank’s Basic Private Hospital 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 Basic Private Hospital 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 Basic Private Hospital fact sheet for full product information including excesses, waiting periods and benefit limitation periods.
Information relating to this cover should be read and retained.