Better Hospital (no Co-Payment)

from
$ 24.95*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote

The perks of private without the top price tag. Better Hospital (no Co-Payment) cover includes great benefits for lots of procedures in a private hospital, but features some exclusions to keep your costs down.

What’s covered?

Better 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 or restriction for the cover.

  • Accidents
  • Colonoscopies
  • Accidents

    Excess

    $500

    Waiting Period

    1 day

    12 months for pre-existing conditions


    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.

    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.

  • 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 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.

  • 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 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.

    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 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 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 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
  • Palliative care
  • 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 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.

  • 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.

  • Rehabilitation
  • Emergency Ambulance
  • 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

  • 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 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.

  • 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.

What’s covered in a public hospital only?

Frank Better Hospital (no Co-Payment) provides benefits as a private patient in a public hospital only for the following services

  • Psychiatric
  • Psychiatric

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


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

    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 excluded?

Taking out Frank’s Better Hospital (no Co-Payment) cover won’t give you benefits as a private patient in a public hospital or private hospital for the following services.

  • Pregnancy
  • Reproductive services
  • Pregnancy

    Better Hospital (no Co-Payment) cover will not pay any benefits towards pregnancy services and treatment relating to childbirth or complications during pregnancy.

    If you’re looking for private hospital pregnancy and related services cover check out Frank’s Best Hospital.

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

  • Reproductive services

    Better Hospital (no Co-Payment) cover will not pay any benefits towards services provided in a hospital relating to egg retrieval and implantation.

    If you’re looking for private hospital pregnancy and related services cover check out Frank’s Best Hospital.

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

  • Weight loss surgery
  • Joint replacement
  • Weight loss surgery

    Weight loss surgery is a procedure designed to reduce the capacity of the stomach to treat obesity.

    Better Hospital (no Co-Payment) 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.

  • Joint replacement

    Joint (shoulder, knee, elbow and hip) replacement surgeries remove the damaged joint and replace it with an artificial joint.

    Better Hospital (no Co-Payment) cover will not pay benefits on joint replacement surgery.

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

  • Dialysis
  • Spinal surgery
  • Dialysis

    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.

    Better Hospital (no Co-Payment) cover will not pay benefits towards Dialysis.

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

  • Spinal surgery

    Better Hospital (no Co-Payment) cover will not pay any benefits towards Spinal surgeries.

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

  • Eye surgery
  • Cosmetic surgery
  • Eye Surgery

    Better Hospital (no Co-Payment) cover will not pay any benefits towards eye surgeries including cataract surgery, eye lens procedures and corneal transplants.

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

  • 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.

  • Insulin Pumps
  • Neurostimulators
  • Insulin Pumps

    Insulin pumps are an insulin delivering device that’s used by some people with diabetes.

    Better Hospital (no Co-Payment) cover will not pay benefits towards Insulin Pumps.

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

  • Neurostimulators

    Neurostimulators are surgically placed devices to treat chronic and debilitating pain and movement disorders.

    Better Hospital (no Co-Payment) cover will not pay benefits towards Neurostimulators.

    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.

Better Hospital (no Co-Payment) 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 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 $500 per year

Couple / Family $500 per person up to a maximum of $1,000 per policy

Under Frank's Better Hospital (no Co-payment), you'll be covered for a private room in a participating private hospital for services included within your cover.

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 Better Hospital (no Co-Payment) fact sheet for full product information including excesses, waiting periods and benefit limitation periods.

Information relating to this cover should be read and retained.

Better Hospital (no Co-Payment)

from
$ 24.95*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote