Starter Bundle

from
$ 16.70*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote

The Starter Bundle is perfect if you’re healthy and are looking for low cost private hospital cover for accident only. With the added benefit of 60% back on popular extras, this is a cover made to use.

What hospital services are covered?

The Starter Bundle provides benefits as a private patient in a private or public hospital for accidents only.

  • Accidents
  • Accidents

    Excess

    $500

    Waiting Period

    1 day


    Cover for accidental injuries sustained after joining Frank (joint investigations & reconstructions are covered if they are required as a result of an accident). For an accident to be covered, treatment must be sought through a Doctor or an Emergency Department within 48 hours of sustaining the injury. The Doctor’s letter/hospital report must be supplied to Frank

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospitals. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

What’s covered in a public hospital only?

Starter Bundle provides benefits as a private patient in a public hospital only for the following services.

  • Psychiatric
  • Rehabilitation
  • Psychiatric

    Excess

    $500

    Waiting Period

    2 months


    Psychiatric services cover the in hospital treatment of a mental illness or addiction.

    Staying in a single room in a public hospital or treatment in a private hospital will result in significant out of pocket expenses.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Rehabilitation

    Excess

    $500

    Waiting Period

    2 months


    Rehabilitation aims to maximise recovery and restore independence after illness or injury through intensive physical therapy and exercise programs.

    Frank will pay accommodation charges in a shared room in a public hospital.

    Staying in a single room in a public hospital or treatment in a private hospital will result in significant out of pocket expenses.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Palliative care
  • Palliative care

    Excess

    $500

    Waiting Period

    2 months


    Palliative care is designed to relieve pain and suffering of patients with life threatening illnesses.

    Frank will pay benefits towards public hospital treatment and shared room accommodation charges.

    Staying in a single room in a public hospital or treatment in a private hospital will result in significant out of pocket expenses.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

What hospital services are excluded?

Taking out Frank’s Starter Bundle will not cover you for any hospital admissions unless it is relating to injuries as a result of an accident, psychiatric care, rehabilitation or palliative care.

What extras services are covered?

Frank pays benefits towards services listed below. Benefits are calculated as a 60% of the provider fee up to annual limits.

  • General Dental
  • Major Dental
  • General & Preventative Dental

    Waiting Period

    2 months


    Includes dental treatments like check-ups, cleaning and fluoride treatments, x-rays, fillings and basic extractions.


    Annual limit

    $300 per person

    Dental rules apply. Refer to Starter Bundle fact sheet for full product information.

  • Major Dental

    Waiting Period

    12 months


    Major Dental includes treatment for things like more complicated fillings, extractions, crowns, bridgework, dental implants, root canal treatment, indirect restorations, occlusal therapy and orthodontic treatment.

    Excludes dentures.


    Annual limit

    $300 per person

    Dental rules apply. Refer to Starter Bundle fact sheet for full product information.

  • Orthodontic
  • Travel Vaccinations
  • Orthodontic

    Waiting Period

    12 months


    Orthodontic treatment includes braces or a plate. Orthodontic treatment has an annual limit, a treatment limit and a lifetime limit.

    Because orthodontic benefits can be a little confusing, we have some more information that explains how they work here.


    Annual limit

    $300 per person

    Dental rules apply. Refer to Starter Bundle fact sheet for full product information.

  • Travel Vaccinations

    Waiting Period

    2 months


    Benefits are payable for selected travel vaccinations administered by a doctor or at a vaccine clinic if you have a pharmacy receipt, doctor's account or vaccine clinic account. Find out what travel vaccinations are covered here.

    A sub limit of $50 per travel vaccination applies.


    Annual limit

    $100 per person

  • Chiropractic
  • Osteopathy
  • Chiropractic

    Waiting Period

    2 months


    Chiropractic care uses manual treatments (including spinal manipulations – termed ‘adjustments’) to treat disorders of the musculoskeletal system.

    Benefits will only be paid for one consultation and/or treatment per provider per day.

    A sublimit of 1 per year applies to Chiropractic X-rays.


    Annual limit

    Chiropractic shares an annual limit with Osteopathy services.

    $300 per person

  • Osteopathy

    Waiting Period

    2 months


    Osteopathy is a holistic system of medicine that emphasises the inter-relationship of the body's nerves, muscles, bones and organs, and uses a ‘whole body’ approach to treatment.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Osteopathy shares an annual limit with Chiropractic services.

    $300 per person

  • Physiotherapy
  • Hydrotherapy
  • Physiotherapy

    Waiting Period

    2 months


    Physiotherapy is concerned with the assessment, diagnosis, and treatment of disease and disability through physical means.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Physiotherapy shares an annual limit with Hydrotherapy, Myotherapy and Exercise Physiology services.

    $300 per person

  • Hydrotherapy

    Waiting Period

    2 months


    Hydrotherapy uses specialist exercises that take place in a warm water pool to heal injuries and aid in rehabilitation.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Hydrotherapy shares an annual limit with Physiotherapy, Myotherapy and Exercise Physiology services.

    $300 per person

  • Myotherapy
  • Exercise Physiology
  • Myotherapy

    Waiting Period

    2 months


    Myotherapy is muscle therapy used to relieve pain based on applying pressure at trigger points throughout the body. Myotherapy treatments focus on muscular injury prevention and rehabilitation.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Myotheraphy shares an annual limit with Physiotherapy, Hydrotherapy and Exercise Physiology services.

    $300 per person

  • Exercise Physiology

    Waiting Period

    2 months


    Exercise Physiology can assist with the the prevention and management of chronic diseases and injuries through exercise.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Exercise Physiology shares an annual limit with Physiotherapy, Myotherapy and Hydrotherapy services.

    $300 per person

  • Naturopathy
  • Homeopathy
  • Naturopathy

    Waiting Period

    2 months


    Naturopathy is a method of treating disease using food, exercise, heat and other natural methods that assist the natural healing process.

    Benefits will only be paid for one consultation and/or treatment per provider per day. You cannot claim on any herbs, supplements or pills prescribed by the provider, only consultations.


    Annual limit

    Naturopathy shares an annual limit with Homeopathy, Acupuncture and Remedial Massage services.

    $300 per person

  • Homeopathy

    Waiting Period

    2 months


    Homeopathy is an alternative medicine which treats conditions using heavily diluted natural substances that in larger amounts would produce symptoms of the condition.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Homeopathy shares an annual limit with Naturopathy, Acupuncture and Remedial Massage services.

    $300 per person

  • Acupuncture
  • Remedial Massage
  • Acupuncture

    Waiting Period

    2 months


    Acupuncture is a broad term covering techniques for inserting and manipulating thin needles into specific points on the body in order to restore health and wellbeing.

    Benefits will only be paid for one consultation and/or treatment per provider per day. You cannot claim on any herbs, supplements or pills prescribed by the provider, only consultations.


    Annual limit

    Acupuncture shares an annual limit with Naturopathy, Homeopathy and Remedial Massage services.

    $300 per person

  • Remedial Massage

    Waiting Period

    2 months


    Remedial Massage is a combination of massage techniques used to treat injuries of the muscles, tendons, ligaments or connective tissues.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Remedial Massage shares an annual limit with Naturopathy, Homeopathy and Acupuncture services.

    $300 per person

  • Dietetics
  • Ambulance Subscription
  • Dietetics

    Waiting Period

    2 Months


    Dietetics looks at the science of nutritional planning and preparation of foods.

    Benefits only be paid for one consultation and/or treatment with a dietician per day.

    Annual limit

    $200 per person

  • Ambulance Subscription

    Waiting Period

    1 day


    VIC, SA, WA and NT residents can claim the full cost of one ambulance subscription per year. Ambulance is covered differently in each state. To make sure you know exactly how it's covered in your state, check out more info here.

    Annual limit

    1 subscription per policy

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

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 Starter 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 Starter 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 Starter 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 and palliative care
  • 2 months for included extras (excluding Major Dental and Orthodontic)
  • 12 months for Major Dental and Orthodontic 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.

Yes there are. This might make us sound mean but if you have a read, you'll see they're fair. If you’re interested, check out the list of things Frank won’t pay on here.

Important

Refer to the Starter 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.

Starter Bundle

from
$ 16.70*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote