What are Freedom Flexi Bundles?

Our freedom hospital and extras bundles (Freedom Flexi-Bundle) gives singles and couples one flexible limit to claim on your included extras each year. Now that’s freedom.

Plus, the longer you’re with us, the more you can claim.

For example, our Saver bundle gives you an extra $100 to claim on your freedom limit each full calendar year, with a maximum of $400 after 4 years of continual cover.

Flexi loyalty benefits included

Freedom Starter Flexi-Bundle (Basic)

Basic hospital with flexible extras with a loyalty bonus
$ 22.00
per week
Select
  • Covered for accidents only in a private hospital
  • Freedom limit to spend on extras how you want and grows the longer you stay with us
  • Emergency Ambulance Cover
Full details
Flexi loyalty benefits included

Freedom Saver Flexi Bundle (Basic+)

Hospital cover for some essentials plus flexible extras with a loyalty bonus and separate limit for Optical
$ 26.15
per week
Select
  • Covered for selected treatments in a private hospital
  • Freedom limit to spend on extras how you want and grows the longer you stay with us
  • 100% back on Optical with its own limit
  • Emergency Ambulance Cover
Full details

* The price shown is per week and applies to a Single, aged 30, living in VIC. It excludes LHC loading and includes a Base Tier Government Rebate

Extras services (when included on cover)
All extras benefits except as specified below.
Waiting Period: 2 Months
Optical, home and domestic aids and medical aids.
Waiting Period: 6 months
Major dental services (including full & partial dentures, orthodontics, crown & bridgework, endodontic services such as root canal, gold fillings, indirect restorations, surgical extractions of a tooth/teeth including wisdom teeth).
Waiting Period: 12 Months
Health appliances including nebuliser pump, blood glucose monitor, pressure garments, sleep apnoea monitor, extremity pump, hearing aids, orthopaedic appliances (GMHBA approved), prostheses (GMHBA approved non-surgical), tens monitor, podiatry surgical procedures and orthotic appliances (foot).
Waiting Period: 12 Months
Hospital services (when included on cover)
Accidents - bodily injuries resulting from accidents which occur after the date of joining GMHBA or upgrading to a higher cover.
Waiting Period: No
Obstetrics and maternity.
Waiting Period: 12 months
Pre-existing ailment, illness or condition (other than psychiatric, rehabilitation and palliative care).
Waiting Period: 12 months
Any other benefit for hospital (or hospital substitution) treatment.
Waiting Period: 2 months

A pre-existing condition is one where signs or symptoms of your ailment, illness or condition, in the opinion of a medical practitioner appointed by GMHBA (not your own doctor), existed at any time during the six months preceding the day on which you purchased your hospital insurance or upgraded to a higher level of hospital cover and/or benefit entitlement.

A special waiting period applies to obtain benefits for hospital treatment for new members who have pre-existing conditions. The waiting period also applies to existing members who have recently upgraded their level of hospital cover. If the ailment, illness or condition is considered pre-existing:

New members
New members must wait 12 months for any hospital benefits (other than psychiatric, rehabilitation and palliative care).

Existing members (transferring or upgrading)
Members transferring/upgrading to a higher hospital cover must wait 12 months to get the higher hospital benefits (other than psychiatric, rehabilitation and palliative care).

Existing members (with at least 12 months membership)
Existing members with at least 12 months membership in total across their old and new cover are entitled to the lower benefits on their old cover.

Silver Hospital cover provides the same single room coverage as Gold Hospital, but co-payments of $100 per day up to a maximum of $700 per admission apply. Co-payments are not the same as hospital excess. Please note: Some private hospitals only have single rooms and co-payments will apply.

Co-payments do not apply.

Do I have to use a specific provider?

No. We believe in freedom of choice, so we pay the same benefits to any registered provider. This means you can use your regular dentist, optometrist or physio and still claim.

Will I have to wait before I claim?

Yes, particularly if you’re new to health insurance. With our covers (and most other 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.

Waiting periods may not apply if you are switching from another fund. Check the Starter Bundle page for waiting periods.

Are there services Frank won’t pay on?

Yes there are. It might make us sound mean, but if you have a read, you’ll see they’re fair. Read the full list of things Frank won’t pay on.

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