With the perks of private plus a wide range of extras services to help you stay on top of your health, the Essentials Bundle is a great option if you’re looking for hospital and extras cover.
The Essentials Bundle includes benefits for lots of procedures in a private hospital with some exclusions to keep your costs down and gives you 60% back on popular extras.
What hospital services are covered?
The Essentials Bundle provides benefits as a private patient in a private or public hospital for all hospital admissions unless they are listed as an exclusion for the cover.
What’s covered in a public hospital only?
Essentials Bundle provides benefits as a private patient in a public hospital only for the following services.
What hospital services are excluded?
Taking out Frank’s Essentials Bundle cover won’t give you benefits as a private patient in a public hospital or private hospital for the following services.
What extras services are covered?
Frank pays benefits towards services listed below. Benefits are calculated as 60% of the provider fee up to annual limits.
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. 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 $500 per year
- Couple / Family $500 per person up to a maximum of $1,000 per policy
Under Frank’s Essentials Bundle, you’ll be covered for a private room in a participating private hospital for services included under your cover.
For public hospitals, Frank will pay minimum benefits for a shared room only for the 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 as part of the Essentials Bundle hospital cover. 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.
With the Essentials Bundle, you get 60% back on included extras. Whatever the provider charges, Frank pays 60% back up to your annual limits. That means if you are charged $40 for a treatment your benefit will be $24 as long as you have served your waiting periods and have available limits.
Check the Essentials Bundle fact sheet for annual limit details on Extras services included as part of this cover.
Yes. Frank believes 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.
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.
The Essentials Bundle has the following waiting periods:
- 1 day for hospital treatment as a result of an accident
- 1 day for Ambulance subscription (VIC, SA, WA and NT only)
- 2 months for psychiatric, rehabilitation, palliative care and hospital treatments that are not pre-existing conditions
- 2 months for included extras (excluding Optical, Major Dental, Orthodontic, Podiatry Surgery and Orthotics services)
- 6 months for included Optical services
- 12 months for Major Dental, Orthodontic, Podiatry Surgery and Orthotics extras services or any hospital treatment for a pre-existing condition
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.
Refer to the Essentials Bundle fact sheet for full product information including excesses, waiting periods and benefit limitation periods.
Information relating to this cover should be read and retained.