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This information is important.
Please read and retain for future reference.
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.
*For new members who have not been a member during the last 12 months, joining on combined hospital and extras cover, paying by direct debit. Must pay first month to receive offer. Other waits (including hospital waits), annual and sub limits apply. Extras claims made with a previous fund count towards annual limits. Not available with any other offer or Frank OVHC. Offer ends 2 December 2024.
| Extras services (when included on cover) | |
|---|---|
| Service | Waiting period |
| Ambulance subscription | 1 day |
| All included extras services (except for Optical, Major Dental, Orthodontic, Podiatry surgery and Orthotics) | 2 months |
| Optical | 6 months |
| Major Dental, Orthodontic, Podiatry surgery and Orthotics | 12 months |
| Hospital services (when included on cover) |
|---|
| Accidents - bodily injuries resulting from accidents which occur after the date of joining Frank or upgrading to a higher cover. Waiting Period: 0 days (accidents must occur after joining) |
| Psychiatric, Rehab, Palliative care and any other benefit for hospital (or hospital substitution) treatment. Waiting Period: 2 months |
| Pregnancy and pre-existing conditions (except psychiatric, rehab or palliative care) Waiting Period: 12 months |
Pre-existing conditions are classed as any ailment, illness or condition with any signs or symptoms in the 6 months before signing up for hospital cover or upgrading existing cover.
If you need to go into hospital in the first 12 months of taking out or upgrading hospital cover, then Frank will need to check whether you're being treated for something that was evident before you joined.
Pre-existing conditions are determined on the basis of symptoms, not necessarily diagnoses. We'll send some paperwork for both your doctor and treating specialist to complete. The paperwork tells us about the condition being treated and when the symptoms first became obvious. If they started before you signed up with us it means your condition will be called ‘pre-existing’ even if you hadn't been diagnosed yet.
A 12 month waiting period applies for hospital treatment for new members who have pre-existing conditions. The waiting period also applies for existing members who upgrade their level of hospital cover if the condition is considered pre-existing. The pre-existing condition rule does not apply for Psychiatric, Rehab and Palliative care services.
Better Hospital cover provides the same single room coverage as Best Hospital (for included services), but a co-payment of $100 per day up to a maximum of $700 per admission applies. Co-payments are not the same as hospital excess. Some private hospitals only have single rooms and co-payments will automatically apply.
Co-payments do not apply.
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.
