Freedom Starter Flexi-Bundle (Basic)
Get extras cover and save 15% - 40%* off dental treatments with smile.com.au
*Savings may vary between dentists. It is recommended that members obtain a quote prior to treatment.
Freedom Starter Flexi-Bundle (Basic)
Freedom Starter Flexi-Bundle (Basic)
The Freedom Starter Flexi-Bundle (Basic) is perfect if you’re a healthy single or couple looking for low cost cover in case you’re in an accident.
Flexible extras to spend across a range of services and a Freedom Limit that increases every full calendar year up to 4 years. So the longer you’re with us, the more you can claim.
Freedom limit, flex it your way.
Because sometimes your needs might change a little, you have a $500 freedom limit to claim on your 7 included extras services.
And the longer you're with us, the more you can claim.
Get an extra $50 to claim on your freedom limit each full calendar year, with a maximum of $200 after 4 years of continual cover. Your loyalty benefit will be available on 1 January after you’ve completed one full membership year.
What hospital services are covered?
Freedom Starter Flexi-Bundle (Basic) provides the minimum standard clinical categories required for a ‘basic’ rating.
What’s covered in a public hospital only?
Freedom Starter Flexi-Bundle (Basic) provides benefits as a private patient in a public hospital only for the following services.
What hospital services are excluded?
Taking out Freedom Starter Flexi-Bundle (Basic) 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?
Sometimes your needs might change a little. $500 shared limit to use across 7 included services.
What is the loyalty benefit?
The longer you’re with us, the more you can claim. Get an extra $50 to spend on your freedom limit each full calendar year, with a maximum of $200 after 4 years of continual cover. That means your loyalty benefit will be available on 1 January after you’ve completed one full membership year.
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 $750 per year
- Couple $1500 per policy per year (if more than one person is hospitalised).
Under Frank’s Freedom Starter Flexi-Bundle (Basic), you’ll only be covered for a private room in a participating private hospital for injuries resulting from an accident.
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.
With Freedom Starter Flexi-Bundle (Basic), regardless of your provider, you get the same amount back per visit, up to your annual limits. See your fact sheet below for a list of benefits per service.
Check the Freedom Starter Flexi-Bundle (Basic) 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 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 Freedom Starter Flexi-Bundle (Basic) has the following waiting periods:
- 0 days for hospital treatment as a result of an accident (accident must occur after joining) or for emergency ambulance transport
- 2 months for psychiatric, rehabilitation and palliative care
- 2 months for included extras
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 Freedom Starter Flexi-Bundle (Basic) fact sheet for full product information including excesses, waiting periods and benefit limitation periods.
Information relating to this cover should be read and retained.
Freedom Starter Flexi-Bundle (Basic)
Freedom limit, flex it your way
Because sometimes your needs might change a little, you have a $500 freedom limit to claim on your 7 included extras services.
And the longer you're with us, the more you can claim.
Get an extra $50 to claim on your freedom limit each full calendar year, with a maximum of $200 after 4 years of continual cover.
Freedom limit, flex it your way
Because sometimes your needs might change a little, you have a $700 freedom limit to claim on your 11 included extras services.
Plus an additional Optical limit. You can claim 100% back on optical up to your $150 annual limit.
And the longer you're with us, the more you can claim.
Get an extra $100 to claim on your freedom limit (excludes optical) each full calendar year, with a maximum of $400 after 4 years of continual cover. Your loyalty benefit will be available on 1 January after you've completed one full membership year.
