Get a $100 Prepaid Visa Gift Card when you join on combined cover by October 31**For new members only – has not been a Frank member in the last 12 months. Available on combined cover only. Must pay first month to receive $100 Visa gift card. Not available in conjunction with any other offer. Gift card will be issued after 30 business days upon receipt of first month’s premium and sent to the postal address at time of join. If the cover is cancelled within 30 days of joining, you will not be eligible for this offer. Ends October 31 2019. Card issued by Heritage Bank Limited ABN 32 087 652 024 AFSL 240984 Australian Credit Licence 240984
If you want peace of mind, Max Hospital (silver+) gives you a great balance of value and cover.
Max Hospital (silver+) 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.
What’s covered in a public hospital only?
Max Hospital (silver+) provides benefits as a private patient in a public hospital only for the following services.
What hospital services are excluded?
Taking out Frank’s Max Hospital (silver+) cover won’t give you 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. This is called a waiting period.
Max Hospital (silver+) 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 Max Hospital (silver+), 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.
Refer to the Max Hospital (Silver+) fact sheet for full product information including excesses and waiting periods.
Information relating to this cover should be read and retained.