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Freedom Starter Flexi-Bundle (Basic)

Basic hospital with flexible extras with a loyalty bonus
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Accident Protection - Treatment that is required as the result of an accident
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Loyalty benefit
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Emergency ambulance
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Save 15% - 40%* off dental treatments with smile.com.au

Hospital cover explained

Download hospital factsheet
Understanding what's covered

Restricted

Hospital treatment for physical rehabilitation for a patient related to surgery or illness.

Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.

Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

Exclusions

Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.

Hospital treatment for the investigation and treatment of the eyes and content of the eye sockets.

Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.

Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.

Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.

Hospital treatment for surgery for joint reconstructions.

Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.

Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.

Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.

Hospital treatment for the investigation and treatment of a hernia or appendicitis.

Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.

Hospital treatment for the investigation and treatment of the female reproductive system.

Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.

Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.

Hospital Treatment for pain management that does not require the insertion or surgical management of a device.

Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails.

Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.

Hospital treatment for the investigation and management of diabetes.

Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.

Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.

Hospital treatment for the investigation and treatment of blood and blood-related conditions.

Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.

Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity.

Hospital treatment for surgery to the teeth and gums.

Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon. Benefits are limited to only cover hospital accommodation and the cost of a prosthesis per the Prosthesis List, as laid out in the Private Health Insurance (Prosthesis) Rules. Medical services such as the anaesthetist or the surgeon’s account in respect to Podiatric Surgery are not covered under hospital products.

Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

Hospital treatment for surgery to remove a cataract and replace with an artificial lens.

Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.

Hospital treatment for dialysis treatment for chronic kidney failure.

Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.

Hospital treatment for fertility treatments or procedures.

Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.

Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.

Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.

Hospital treatment for the investigation of sleep patterns and anomalies.

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Hospital FAQs

A waiting period is the time between joining Frank and when you’re covered for a treatment or service. If you receive a service or treatment during a waiting period, you are not eligible to receive a benefit payable from us, regardless of when you submit the claim.
 
Hospital waiting periods apply to:
  • New members to health insurance
  • Members who transfer from another health fund who haven’t fully served the required waiting periods
  • New members that have had a gap in their hospital cover for more than 30 days
  • Current members that upgrade their cover for newly included services
 
Waiting Period – 0 days 
Accidents- bodily injuries resulting from accidents which occur after the date of joining or upgrading to a higher cover.
 
Waiting Period – 2 months
Rehabilitation, palliative care, psychiatric and non-pre-existing conditions.
 
Waiting Periods – 12 months
Pre-existing conditions.
An out of pocket cost is a fee charged by the specialist above the benefit that Medicare and Frank combined contribute towards an inpatient procedure.
 
Medicare will pay the first 75% of the Medicare Benefits Scheduled fee (MBS) and Frank will contribute at least 25% of the remaining amount.
 
The MBS fee is only a recommendation and private surgeons in Australia are able to charge what they deem appropriate for their services. If the fee they charge is greater than the set MBS fee, you will be required to pay the difference; this is called a ‘medical gap’ or an out-of-pocket cost.
We won't pay on any services that are:
 
  • Excluded on your level of cover
  • Received whilst you are within waiting periods
  • Treatment with unregistered providers
  • Claims for people not listed on the policy
  • Treatment outside of Australia
  • Any outpatient emergency department service fees (e.g. observation, x-rays, drugs and lab tests
  • Treatment that occurred outside of your policy being active
  • Any outpatient medical cost
To reduce medical out of pocket costs associated with medical procedures the Australian Health Service Alliance (AHSA) access gap scheme is an opt in billing scheme that provides higher benefits than the Government’s schedule fee (MBS) and limits the out-of-pocket costs for the procedure.
 
Specialists must be registered for Access Gap Cover (AGC) and choose to opt-in to the scheme for each procedure.
 
There are two scenarios for how you may be billed by your specialist when they use the AGC scheme:
 
No Gap - this is where there will be no gap from the specialist to pay following the procedure
Known Gap – this is where you will be charged a maximum gap of $500 per specialist, per admission to hospital or a maximum of $800 for obstetric services.
If you elect to be treated as private patient in a registered public hospital, we pay towards your stay up to the commonwealth default rate for shared room accommodation less any excess or co-payment outlined on your hospital product.
 
As a private patient in a public hospital, you may have a choice of doctor however you cannot avoid public hospital queues. The length of a public hospital queue is determined by the hospital and is not influenced by Frank.
 
Choosing to be a private patient in a public hospital could result in out-of-pocket medical claim costs. You will receive informed financial consent for any hospital admission.

Extras cover explained

Download extras factsheet
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$500 to spend on your choice of general dental, physio, group physio, chiro, osteo, exercise physiology and dietetics
Understanding what's covered

Inclusions

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

* General & Preventative Dental Annual limit is shared with Chiropractic, Physiotherapy, Osteopathy, Exercise Physiology and Dietetics

Sub-limits and treatment limits apply. View Frank's Dental treatment rules here

Annual limit:
$500* per person

• 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 on products which cover Chiropractic X-rays.

* Chiropractic Annual limit is shared with Physiotherapy, Osteopathy, Exercise Physiology, Dietetics and General / Preventative Dental. Excludes Chiropratic X-rays.

Benefit:
$24 per visit

Annual limit:
$500* per person

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.

* Osteopathy Annual limit is shared with Physiotherapy, Exercise Physiology, Chiropractic, Dietetics and General / Preventative Dental

Benefit:
$24 per visit

Annual limit:
$500* per person

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.

* Physiotherapy Annual limit is shared with Osteopathy, Exercise Physiology, Chiropractic, Dietetics and General / Preventative Dental

Benefit:
$24 per visit

Benefit for Group Physiotherapy:
$12 per visit

Annual limit:
$500* per person

Exercise Physiology can assist with 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.

* Exercise Physiology Annual limit is shared with Physiotherapy, Osteopathy, Chiropractic, Dietetics and General / Preventative Dental

Benefit:
$18 per visit

Annual limit:
$500* per person

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

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

* Dietetics Annual limit is shared with Physiotherapy, Osteopathy, Exercise Physiology, Chiropractic and General / Preventative Dental

Benefit:
$20 per visit

Annual limit:
$500* per person

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Extras FAQs

A waiting period is the time between joining Frank and when you're covered for a treatment or service, if included in your cover.

Extras waiting periods apply to:

New members to health insurance, existing members who have upgraded their cover or anyone who has transfered to Frank from a previous fund and:

  • Still have waiting periods to finish serving
  • Joined on a higher level of cover and haven't served waits on any new services or increased benefit limits
  • Had a gap in their extras cover for more than 30 days

Waiting periods for extras services are as follows:

Waiting Period: 2 months
Any services that are not specified below.

Waiting Period: 6 months
Optical

Waiting Period: 12 Months -
Major dental services including full & partial dentures, orthodontics, crown & bridgework, endodontic services such as root canal, gold fillings, indirect restorations, surgical extractions of a tooth/teeth (including wisdom teeth).

Waiting Period: 12 Months - Health appliances

Don’t go with someone you don’t know. It’s your health so we let you choose your own provider. For members to claim with Frank, providers must hold active accreditation, be operating in a private practice and considered an Australian Provider.

We've partnered with smile.com.au to make dental care more affordable and accessible for our members across Australia. This means lower out of pocket costs for all dental treatment, as smile.com.au dentists will reduce their fees by at least 15%.

With more than 2,500 approved dentists in the smile.com.au network, chances are there is one near you.

An extras policy can have different types of limits:
 
  • Person limit – The total amount you can claim on a service within a year.
  • Membership limit – The maximum amount a membership can claim in a calendar year.
  • Sub-limit – The total amount you can claim on a particular service or treatment within the overall annual limit.
  • Lifetime limit – The maximum amount a person can claim a service during the entire lifetime of a membership.
  • Multi-year limit – The maximum amount you can claim, every few years.

We work on a calendar year so your limits run from January–December and reset on 1 January each year.

With set benefits gives you the same amount back per visit, regardless of how much your provider charges you.

With percentage back we pay the % back that is included on your cover up to your annual limits.

Disclaimer

Rates are effective 1 April 2024. | All contribution quotes by this calculator are subject to variation and should therefore be considered indicative contribution rates. | All prices include the Australian Government Rebate on Private Health Insurance as per selected income level and do not include any applicable Lifetime Health Cover loading. | All payments are only available via direct debit from a bank/ credit union account.| Frank does not issue payment notices or invoices.