If you want to be covered for the works to give total piece of mind, Best Hospital is Frank’s top cover.
Best Hospital provides benefits as a private patient in a private or public hospital for all procedures or services unless they are listed as an exclusion for the cover.
What if I don’t need cover for pregnancy?
Because we know you don’t want to pay for things you don’t need, with Frank Best Hospital you can choose to exclude pregnancy and reproductive services if you’re not looking to grow a family.
If you aren’t planning on having a baby or are happy to use the public system (as a public patient) excluding these services will reduce your premium.
Taking out Frank’s Best Hospital cover won’t give you benefits as a private patient in a public hospital or private hospital for the following services.
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, 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.
Best Hospital has the following waiting periods:
- 1 day for hospital treatment as a result of an accident
- 2 months for psychiatric, rehabilitation, palliative care and included hospital services and procedures that are not pre-existing conditions
- 12 months for pregnancy services and pre-existing conditions
For psychiatric and dialysis services and weight loss surgeries, there is a 24 month period where Frank will pay benefits at a lower rate. This is called a benefit limitation period.
Find out more about waiting periods and benefit limitation 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
Under Frank's Best Hospital, you'll be covered for a private room in a participating private hospital for services included within your cover.
For public hospitals, Frank will pay the minimum benefits for a shared room only for 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. 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.
Information relating to this cover should be read and retained.