Gold Hospital (Gold)
Gold Hospital
Gold Hospital
If you want to be covered for the works to give peace of mind, Gold Hospital is Frank's top cover.
What’s covered?
Gold Hospital provides cover for private and public hospital in-patient medical expenses.
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Accidents
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Sleep Studies
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Accidents
Excess
$750
Waiting Period
0 days
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.
Please note restrictions and exclusions on your cover still apply.
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 accommodation 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.
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Sleep studies
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation of sleep patterns and anomalies.
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.
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Blood
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Bone, joint and muscle
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Blood
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of blood and blood-related conditions.
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.
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Bone, joint and muscle
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.
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.
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Brain and nervous system
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Breast surgery (medically necessary)
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Brain and nervous system
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.
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.
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Breast surgery (medically necessary)
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.
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.
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Kidney and bladder
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Chemotherapy, radiotherapy and immunotherapy for cancer
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Kidney and bladder
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.
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.
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Chemotherapy, radiotherapy and immunotherapy for cancer
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.
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.
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Dental surgery
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Diabetes management (excluding insulin pumps)
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Dental surgery
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for surgery to the teeth and gums.
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.
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Diabetes management (excluding insulin pumps)
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and management of diabetes.
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.
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Tonsils, adenoids and grommets
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Digestive system
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Tonsils, adenoids and grommets
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
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.
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Digestive system
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and 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.
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Ear, nose and throat
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Eye (not cataracts)
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Ear, nose and throat
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.
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.
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Eye (not cataracts)
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of the eyes and content of the eye sockets.
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.
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Gastrointestinal endoscopy
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Gynaecology
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Gastrointestinal endoscopy
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.
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.
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Gynaecology
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of the female reproductive system.
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.
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Heart and vascular system
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Hernia and appendix
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Heart and vascular system
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.
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.
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Hernia and appendix
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of a hernia or appendicitis.
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.
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Skin
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Implantation of hearing devices
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Skin
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails.
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.
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Implantation of hearing devices
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.
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.
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Lung and chest
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Joint reconstructions
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Lung and chest
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.
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.
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Joint reconstructions
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for surgery for joint reconstructions.
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.
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Male reproductive system
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Miscarriage and termination of pregnancy
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Male reproductive system
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.
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.
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Miscarriage and termination of pregnancy
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
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.
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Pain management
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Plastic and reconstructive surgery (medically necessary)
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Pain management
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for pain management that does not require the insertion or surgical management of a device.
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.
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Plastic and reconstructive surgery (medically necessary)
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity.
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.
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Podiatric surgery* (provided by an accredited podiatric surgeon)
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Emergency Ambulance
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Podiatric surgery (provided by an accredited podiatric surgeon)
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
*Hospital accommodation and prothesis costs only
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.
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.
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Emergency Ambulance
Excess
$750
Waiting Period
0 days
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. Publicly funded ambulance services and State Government transport schemes are excluded (eg. TAS/ACT/NSW/QLD). Find out more about emergency ambulance services.
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.
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Hospital psychiatric services
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Rehabilitation
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Hospital psychiatric services
Excess
$750
Waiting Period
2 months
Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.
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.
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Rehabilitation
Excess
$750
Waiting Period
2 months
Hospital treatment for physical rehabilitation for a patient related to surgery or illness.
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.
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Palliative care
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Joint replacement
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Palliative care
Excess
$750
Waiting Period
2 months
Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.
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.
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Joint replacement
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.
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 accommodation 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.
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Pregnancy and birth
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Assisted reproductive services
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Pregnancy and birth
Excess
$750
Waiting Period
12 months
Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.
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.
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Assisted reproductive services
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for fertility treatments or 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.
Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.
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Dialysis for chronic kidney failure
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Cataracts
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Dialysis for chronic kidney failure
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for dialysis treatment for chronic kidney failure.
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.
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Cataracts
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
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.
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Weight loss surgery
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Insulin pump
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Weight loss surgery
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.
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.
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Insulin pumps
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
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.
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Back, neck and spine
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Back, neck and spine
Excess
$750
Waiting Period
2 months
12 months for pre-existing conditions
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.
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.
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.
Gold Hospital 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 included 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 $1500 per policy
Under Frank's Gold 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 Access Gap Cover through our partnership with The Australian Health Service Alliance (AHSA).
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.
Find out more about Access 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 Gold Hospital fact sheet for full product information including excesses and waiting periods.
Gold Hospital
Freedom limit, flex it your way
Because sometimes your needs might change a little, you have a $500 freedom limit to claim on your 7 included extras services.
And the longer you're with us, the more you can claim.
Get an extra $50 to claim on your freedom limit each full calendar year, with a maximum of $200 after 4 years of continual cover.
Freedom limit, flex it your way
Because sometimes your needs might change a little, you have a $700 freedom limit to claim on your 11 included extras services.
Plus an additional Optical limit. You can claim 100% back on optical up to your $150 annual limit.
And the longer you're with us, the more you can claim.
Get an extra $100 to claim on your freedom limit (excludes optical) each full calendar year, with a maximum of $400 after 4 years of continual cover. Your loyalty benefit will be available on 1 January after you've completed one full membership year.
