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*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
The price shown excludes any LHC loading
|Extras services (when included on cover)|
|Ambulance subscription||1 day|
|All included extras services (except for Optical, Major Dental, Orthodontic, Podiatry surgery and Orthotics)||2 months|
|Major Dental, Orthodontic, Podiatry surgery and Orthotics||12 months|
|Hospital services (when included on cover)|
|Accidents - bodily injuries resulting from accidents which occur after the date of joining Frank or upgrading to a higher cover.
Waiting Period: 0 days (accidents must occur after joining)
|Psychiatric, Rehab, Palliative care and any other benefit for hospital (or hospital substitution) treatment.
Waiting Period: 2 months
|Pregnancy and pre-existing conditions (except psychiatric, rehab or palliative care)
Waiting Period: 12 months
|Benefit Limitation Periods apply to gastric banding and all obesity surgeries, psychiatric or renal dialysis (that means you’re covered but for public hospital benefits in a shared room after your other waiting periods have been served).
Waiting Period: 24 months
Pre-existing conditions are classed as any ailment, illness or condition with any signs or symptoms in the 6 months before signing up for hospital cover or upgrading existing cover.
If you need to go into hospital in the first 12 months of taking out or upgrading hospital cover, then Frank will need to check whether you’re being treated for something that was evident before you joined.
Pre-existing conditions are determined on the basis of symptoms, not necessarily diagnoses. We’ll send some paperwork for both your doctor and treating specialist to complete. The paperwork tells us about the condition being treated and when the symptoms first became obvious. If they started before you signed up with us it means your condition will be called ‘pre-existing’ even if you hadn’t been diagnosed yet.
A 12 month waiting period applies for hospital treatment for new members who have pre-existing conditions. The waiting period also applies for existing members who upgrade their level of hospital cover if the condition is considered pre-existing. The pre-existing condition rule does not apply for Psychiatric, Rehab and Palliative care services.
Better Hospital cover provides the same single room coverage as Best Hospital (for included services), but a co-payment of $100 per day up to a maximum of $700 per admission applies. Co-payments are not the same as hospital excess. Some private hospitals only have single rooms and co-payments will automatically apply.
Co-payments do not apply.