Basic Hospital with some private

from
$ 17.85*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote

If you like the idea of Frank’s Basic Hospital cover but want the option of private for some of the more common procedures that happen in life, check out Basic Hospital (Some Private).

What’s covered in a public hospital?

Basic Hospital (Some Private) provides benefits as a private patient in a public hospital for all procedures or services unless they are listed as an exclusion for the cover.

  • Accidents
  • Psychiatric
  • 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 hospital theatre surgery costs and shared room accommodation charges.

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

  • 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
  • Palliative care
  • 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

    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.

  • Pregnancy
  • Reproductive services
  • Pregnancy

    Excess

    $500

    Waiting Period

    12 months


    Pregnancy covers services and treatment relating to childbirth or complications during pregnancy.

    Frank will pay benefits towards public hospital delivery suite costs and shared room accommodation charges.

    Basic Hospital (Some Private) does not cover pregnancy, IVF or related services in a private hospital or accommodation in a single room. If you’re looking for private hospital pregnancy and related services cover check out Frank's Best Hospital.

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

  • Reproductive services

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Basic Hospital (Some Private) does not cover pregnancy, IVF or related services in a private hospital or accommodation in a single room. If you’re looking for private hospital pregnancy and related services cover check out Frank's Best Hospital.

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

  • Other Services
  • Other Services

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    As long as the service, procedure or surgical implant is covered by Medicare and isn’t excluded from this cover, Frank will pay benefits towards public hospital theatre surgery costs, shared room accommodation charges and surgical implants.

    For included surgical implants, Frank will pay benefits no higher than the no gap government prescribed benefit.

    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’s covered in a private hospital?

Basic Hospital (Some Private) provides benefits as a private patient in a private or public hospital for the following procedures.

  • Accidents
  • Appendix removal
  • Accidents

    Excess

    $500

    Waiting Period

    0 months

    12 months for pre-existing conditions


    Covers 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 hospital. 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.

  • Appendix removal

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    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 hospital. 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.

  • Colonoscopies
  • Dental surgery
  • Colonoscopies

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    A colonoscopy is a medical exam used to detect changes or abnormalities in the bowel.

    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 hospital. 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.

  • Dental surgery

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Dental surgery covers the removal of wisdom teeth or impacted teeth in hospital.

    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 hospital. 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.

  • Gastroscopies
  • Grommets in Ears
  • Gastroscopies

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    A gastroscopy is a medical exam used to check the upper digestive tract (oesophagus, stomach and duodenum) using an endoscope to view the lining of the organs.

    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 hospital. 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.

  • Grommets in Ears

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Grommets are tiny ventilation tubes that can be inserted into the ear drum to treat conditions that affect the middle ear.

    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 hospital. 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.

  • Hernia repair
  • Minor Gynaecological
  • Hernia repair

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Surgery to repair a hernia that bulges out of a weak spot in the abdominal wall.

    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 hospital. 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.

  • Minor Gynaecological

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    Minor Gynaecological services can include laparoscopy, hysteroscopy, dilatation & curettage (D&C) and some minor cervical procedures.

    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 hospital. Fixed benefits are payable in a non-participating private hospital.

    To confirm if your procedure is covered, check in with Frank with the proposed MBS item numbers from your doctor.

  • Tonsil & Adenoid removal
  • Tonsil & Adenoid removal

    Excess

    $500

    Waiting Period

    2 months

    12 months for pre-existing conditions


    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 hospital. 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 excluded?

Taking out Frank’s Basic Hospital cover (Some Private) won’t give you benefits as a private patient in a public hospital or private hospital for the following services.

  • Selected private hospital services
  • Weight loss surgery
  • Selected private hospital services

    With Basic Hospital (Some Private) cover, staying in a single room in a public hospital or any room in a private hospital for services that aren’t listed under ‘What’s covered in a Private Hospital’ will result in significant out-of-pocket expenses.

    If you do receive treatment in a private hospital for excluded services, under this cover Frank will pay the minimum benefit (also known as the Commonwealth default rate) which is the lowest amount that a health insurer is permitted to pay for a hospital admission that is included on the policy. The minimum benefit is the same amount that a public hospital would charge a private patient for a shared room.

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

  • Weight loss surgery

    Obesity related surgeries including Gastric Banding, Gastric Bypass, Laparoscopic ‘Tube’ or ‘Sleeve’ Gastrectomy and Gastric Balloon surgeries.

    Basic Hospital (Some Private) will not pay benefits towards weight loss surgery.

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

  • Dialysis
  • Insulin Pumps
  • Dialysis

    Dialysis replaces the function of the kidneys by removing waste products and excess fluids from the body and is used by people with kidney failure or disease.

    Basic Hospital (Some Private) will not pay benefits towards Dialysis.

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

  • Insulin Pumps

    Insulin pumps are an insulin delivering device that’s used by some people with diabetes.

    Basic Hospital (Some Private) will not pay benefits towards Insulin Pumps.

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

  • Cosmetic surgery
  • Cosmetic surgery

    Frank will not pay benefits on cosmetic surgery that isn’t medically necessary.

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

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.

A public hospital policy will cover you for treatment as a private patient in a public hospital. It’s important to remember that this policy won’t let you skip public hospital waiting lists and it won’t give you priority over public patients.

Frank’s Basic Hospital (Some Private) cover will only provide private hospital services and accommodation benefits for procedures listed under ‘What’s covered in a private hospital?’.

For services covered under ‘What’s covered in a public hospital?’ your costs are covered for shared room accommodation in a public hospital, but not for a single room in a public hospital, or any room in a private hospital.

With Basic Hospital (Some Private), staying in a single room in a public hospital or any room in a private hospital for services not listed under ‘What’s covered in a private hospital?’ will result in significant out-of-pocket expenses.

If you do receive treatment in a private hospital for services that are not covered in a private hospital Frank will pay the minimum benefit (also known as the Commonwealth default rate) which is the lowest amount that a health insurer is permitted to pay for a hospital admission that is included on the policy. The minimum benefit is the same amount that a public hospital would charge a private patient for a shared room.

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. This is called a waiting period.

Basic Hospital (Some Private) has the following waiting periods:

  • 1 day for hospital treatment as a result of an accident
  • 2 months for psychiatric, rehabilitation, palliative care and hospital services and procedures that are not pre-existing conditions
  • 12 months for pregnancy services and pre-existing conditions

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. 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. 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.

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 Basic Hospital (Some Private) fact sheet for full product information including excesses and waiting periods.

Information relating to this cover should be read and retained.

Basic Hospital with some private

from
$ 17.85*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote