Best Hospital (with pregnancy)

from
$ 33.70*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote

If you want to be covered for the works to give total piece of mind, Best Hospital is Frank’s top cover.

What’s covered?

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

  • Accidents
  • Pregnancy
  • Accidents

    Excess

    $500

    Waiting Period

    1 day


    Cover for accidental injuries sustained after joining Frank (joint investigations & reconstructions are covered if they are required as a result of an accident). For an accident to be covered, treatment must be sought through a Doctor or an Emergency Department within 48 hours of sustaining the injury. The Doctor’s letter/hospital report must be supplied to Frank.

    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.

  • Pregnancy

    Excess

    $500

    Waiting Period

    12 months


    Pregnancy covers services and treatment relating to childbirth or complications during pregnancy.

    Frank will pay benefits towards public or participating private hospital delivery suite 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.

  • Reproductive services
  • Colonoscopies
  • Reproductive services

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Frank will pay benefits for services provided in a participating private hospital relating to egg retrieval and implantation.

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

  • Colonoscopies

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    A colonoscopy is a medical exam used to detect changes or abnormalities in the bowel.

    Frank will pay benefits towards public or participating private hospital 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.

  • Dialysis
  • Eye surgery
  • Dialysis

    Excess

    $500

    Waiting Period

    2 months

    Benefit Limitation Period

    24 months


    Dialysis replaces the function of the kidneys by removing waste products and excess fluids from the body and is used by people with kidney failure or disease.

    A 24 month Benefit Limitation Period (BLP) applies to dialysis. That means you’re covered for public hospital benefits in a shared room throughout that time. After serving the BLP, Frank will pay benefits towards treatment in a participating private hospital 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.

  • Eye surgery

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Including cataract surgery, eye lens procedures and corneal transplants.

    Frank will pay benefits towards public or participating private hospital hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital.

    Frank does not cover elective laser eye surgery to improve vision (as an alternative to wearing glasses or contact lenses).

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

  • Gastroscopies
  • Heart surgery
  • Gastroscopies

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    A gastroscopy is a medical exam used to check the upper digestive tract (oesophagus, stomach and duodenum) using an endoscope to view the lining of the organs.

    Frank will pay benefits towards public or participating private hospital 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.

  • Heart surgery

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Surgeries related to the treatment of the heart and blood vessels. Includes cardiac surgery and coronary care.

    Frank will pay benefits towards public or participating private hospital 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 investigation
  • Joint reconstruction
  • Joint investigation

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    A joint investigation is a surgical procedure to explore a specific joint that you might be having issues with.

    Frank will pay benefits towards public or participating private hospital 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 reconstruction

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    A joint reconstruction involves surgery to repair damaged joints.

    Frank will pay benefits towards public or participating private hospital 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 replacement
  • Minor Gynaecology
  • Joint replacement

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    A joint replacement surgery removes an impaired joint and replaces them with an artificial joint (known as a prostheses).

    Frank will pay benefits towards public or participating private hospital 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.

  • Minor Gynaecology

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Minor Gynaecological services can include laparoscopy, hysteroscopy, dilatation & curettage (D&C) and some minor cervical procedures.

    Frank will pay benefits towards public or participating private hospital 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.

    To confirm if your procedure is covered, check in with Frank with the proposed MBS item numbers from your doctor.

  • Rehabilitation
  • Palliative Care
  • Rehabilitation

    Excess

    $500

    Waiting Period

    2 months


    Rehabilitation aims to maximise recovery and restore independence after illness or injury through intensive physical therapy and exercise programs.

    Frank will pay accommodation charges in a shared or private room in a public or participating private hospital 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.

  • Palliative Care

    Excess

    $500

    Waiting Period

    2 months


    Palliative care is designed to relieve pain and suffering of patients with life threatening illnesses.

    Frank will pay benefits towards treatment in a participating private hospital 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.

  • Psychiatric
  • Weight loss surgery
  • Psychiatric

    Excess

    $500

    Waiting Period

    2 months

    Benefit Limitation Period

    24 months


    Psychiatric services cover the in hospital treatment of a mental illness or addiction.

    A 24 month Benefit Limitation Period (BLP) applies to psychiatric services. That means you’re covered for public hospital benefits in a shared room throughout that time. After serving the BLP, Frank will pay benefits towards treatment in a participating private hospital 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.

  • Weight loss surgery

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions

    Benefit Limitation Period

    24 months


    Obesity related surgeries including Gastric Banding, Gastric Bypass, Laparoscopic ‘Tube’ or ‘Sleeve’ Gastrectomy and Gastric Balloon surgeries.

    A 24 month Benefit Limitation Period (BLP) applies to weight loss surgeries. That means you’re covered for public hospital benefits in a shared room throughout that time. After serving the BLP, 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.

  • Emergency Ambulance
  • Other Services
  • Other Services

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    As long as the service or procedure isn’t excluded from this cover, Frank will pay benefits for 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.

    For included surgical implants, Frank will pay benefits no higher than the no gap government prescribed benefit.

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

  • Emergency Ambulance

    Waiting Period

    1 day


    Covers emergency ambulance services by a recognised provider Australia wide.

    Does not include cover for non-emergency ambulance transport i.e. from a hospital to your home or ambulance transfers between hospitals. Find out more about emergency ambulance services

What if I don’t need cover for pregnancy?

Because we know you don’t want to pay for things you don’t need, with Frank Best Hospital you can choose to exclude pregnancy and reproductive services if you’re not looking to grow a family.

If you aren’t planning on having a baby or are happy to use the public system (as a public patient) excluding these services will reduce your premium.

  • Pregnancy
  • Reproductive services
  • Pregnancy

    Choose Frank Best Hospital with no pregnancy if you don’t need cover or are happy to use the public system (as a public patient) for pregnancy services.

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

  • Reproductive services

    Choose Frank Best Hospital with no pregnancy if you don’t need cover or are happy to use the public system (as a public patient) for reproductive services.

    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 Best Hospital cover won’t give you benefits as a private patient in a public hospital or private hospital for the following services.

  • Cosmetic surgery
  • Cosmetic surgery

    Frank will not pay benefits on cosmetic surgery that isn’t medically necessary.

    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.

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.

Best Hospital has the following waiting periods:

  • 1 day for hospital treatment as a result of an accident or for emergency ambulance transport
  • 2 months for psychiatric, rehabilitation, palliative care and included hospital services and procedures that are not pre-existing conditions
  • 12 months for pregnancy services and pre-existing conditions

For psychiatric and dialysis services and weight loss surgeries, there is a 24 month period where Frank will pay benefits at a lower rate. This is called a benefit limitation period.

Find out more about waiting periods and benefit limitation 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 Best Hospital, you'll be covered for a private room in a participating private hospital for services included within your cover.

For public hospitals, Frank will pay the minimum benefits for a shared room only for services included under your cover.

Always get written financial consent for any hospital admission.

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 Best Hospital or Best Hospital (no pregnancy) fact sheet for full product information including excesses, waiting periods and benefit limitation periods.

Information relating to this cover should be read and retained.

Best Hospital (with pregnancy)

from
$ 33.70*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote