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Rates are effective 1 April 2018. | All contribution quotes by this calculator are subject to variation and should be considered as indicative contribution rates. | Hospital Cover contributions are BASE TIER contributions and do not include any applicable Lifetime Health Cover loading. | All payments are only available via direct debit from a bank/ credit union account.| Frank does not issue payment notices or invoices.
If for any reason you’re not happy within 30 days of joining as a new member and you have not claimed we will cancel your membership and refund any premiums paid in full.
*For new members (if you have been a Frank Health Insurance member in the last 12 months, sorry you don’t qualify). 12 month waits, annual and sub limits apply. Offer ends 30 April, 2018.
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.
During your first 24 months of cover - after the standard hospital waiting periods have been served – Best Hospital and Best Hospital (no pregnancy) covers have benefit limitations on selected services.
This means that the benefits payable on these services are limited to the minimum shared room rate under the Private Health Insurance Act for private hospital admissions during the 24 month benefit limitation period.
Once the waiting period and benefit limitation period has been served you will have access to the benefits applicable on your level of cover.
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.