Frank Health Insurance

Frank Starter Bundle (Basic)

Name: Frank Starter Bundle (Basic)
Brand: Frank Health Insurance
Price: 156.3 AUD

$156.30 / month

(Before Rebate, Discount & Loading)

Available in NT

1300 209 428 Sponsor link

Go to site Sponsor link

You may be entitled to an Australian Government Rebate on the above premium. Your premium may also include a Lifetime Health Cover Loading, an Age-based Discount or an insurer discount. Check with your insurer for details.

This policy covers: Two adults (and no-one else).

Policy ID: GMH/J74/DHUE20

Source: Private Health Information Statement (PHIS)

Hospital Cover

This policy exempts you from the Medicare Levy Surcharge.
This policy provides accident cover - check with insurer for details.
This policy does not provide benefits for travel or accommodation outside of hospital.

Covered

Restricted Cover

Not Covered

This policy includes cover for

Hospital psychiatric services

Palliative care

Rehabilitation

This policy does not include cover for

Assisted reproductive services

Back, neck and spine

Blood

Bone, joint and muscle

Brain and nervous system

Breast surgery (medically necessary)

Cataracts

Chemotherapy, radiotherapy and immunotherapy for cancer

Dental surgery

Diabetes management (excluding insulin pumps)

Dialysis for chronic kidney failure

Digestive system

Ear, nose and throat

Eye (not cataracts)

Gastrointestinal endoscopy

Gynaecology

Heart and vascular system

Hernia and appendix

Implantation of hearing devices

Insulin pumps

Joint reconstructions

Joint replacements

Kidney and bladder

Lung and chest

Male reproductive system

Miscarriage and termination of pregnancy

Pain management

Pain management with device

Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon)

Pregnancy and birth

Skin

Sleep studies

Tonsils, adenoids and grommets

Weight loss surgery

The benefits paid for hospital treatment will depend on the type of cover you purchase and whether your fund has an agreement in place with the hospital in which you are treated. See ‘Agreement Hospitals’ on privatehealth.gov.au for which hospitals have arrangements with your insurer – https://privatehealth.gov.au/dynamic/agreementhospitals.

Under this policy, you may have to pay out-of-pocket costs above what you get from Medicare or your private health insurer. Before you go to hospital, you should ask your doctors, hospital and health insurer about any out-of-pocket costs that may apply to you.

The following payments may also apply for hospital admissions

Excess: You will have to pay an excess of $500 per admission. This is limited to a maximum of $500 per person and $1000 per policy per year.

Co-payments: No co-payments

The following waiting periods for hospital admissions apply to new or upgrading members Waiting periods:

2 months for palliative care, rehabilitation and hospital psychiatric treatments, even if pre-existing
12 months for other pre-existing conditions
2 months for all other treatments

Gap Cover

This provider offers 'known gap' or 'no gap' cover for medical bills for this product. The Medical Costs Finder (https://www.health.gov.au/resources/apps-and-tools/medical-costs-finder) lets you find out more about the cost of specialist medical services.

Other features of this hospital cover

This cover only provides full benefits for Accident related services only. Remember, Frank is all online. For more information contact Frank on 1300 437 265 or visit www.frankhealthinsurance.com.au

For further information about this policy see: http://frankhealthinsurance.com.au

Extras Cover

This health insurer does not operate a preferred provider scheme.

This policy includes General treatment (Extras) cover for

Treatment & waiting period (months)

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

Acupuncture 2

$300 per person

combined limit for acupuncture, remedial massage & other services

sub-limits apply

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Chiropractic 2

$300 per person

combined limit for chiropractic, osteopathy & other services

sub-limits apply

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Endodontic 12

$300 per person

combined limit for endodontic, major dental & orthodontic

sub-limits apply

Filling of one root canal: 60% of charge

Exercise physiology 2

$300 per person

combined limit for exercise physiology, physiotherapy & other services

Initial visit: 60% of charge
Subsequent visit: 60% of charge

General dental 2

$300 per person

sub-limits apply

Fluoride treatment: 60% of charge
Scale & clean: 60% of charge
Periodic oral examination: 60% of charge

Major dental 12

$300 per person

combined limit for endodontic, major dental & orthodontic

sub-limits apply

Surgical tooth extraction: 60% of charge
Full crown veneered: 60% of charge

Orthodontic 12

$300 per person

$1,100 lifetime limit

combined limit for endodontic, major dental & orthodontic

sub-limits apply

Braces for upper & lower teeth, including removal plus fitting of retainer: 60% of charge

Osteopathy 2

$300 per person

combined limit for chiropractic, osteopathy & other services

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Physiotherapy 2

$300 per person

combined limit for exercise physiology, physiotherapy & other services

sub-limits apply

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Remedial massage 2

$300 per person

combined limit for acupuncture, remedial massage & other services

sub-limits apply

Initial visit: 60% of charge
Subsequent visit: 60% of charge

Vaccinations 0

$100 per person up to $50 per service

Per service: 60% of charge

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for acupuncture, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for chiropractic, osteopathy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Endodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for endodontic, major dental & orthodontic}

{sub-limits apply}

Examples of maximum benefits

{Filling of one root canal: 60% of charge}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for exercise physiology, physiotherapy & other services}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

General dental

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{sub-limits apply}

Examples of maximum benefits

{Fluoride treatment: 60% of charge}

{Scale & clean: 60% of charge}

{Periodic oral examination: 60% of charge}

Major dental

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for endodontic, major dental & orthodontic}

{sub-limits apply}

Examples of maximum benefits

{Surgical tooth extraction: 60% of charge}

{Full crown veneered: 60% of charge}

Orthodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{$1,100 lifetime limit}

{combined limit for endodontic, major dental & orthodontic}

{sub-limits apply}

Examples of maximum benefits

{Braces for upper & lower teeth, including removal plus fitting of retainer: 60% of charge}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for chiropractic, osteopathy & other services}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for exercise physiology, physiotherapy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Remedial massage

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person}

{combined limit for acupuncture, remedial massage & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Vaccinations

Waiting period: 0 month

Benefit limits per 12 months unless otherwise stated

{$100 per person up to $50 per service}

Examples of maximum benefits

{Per service: 60% of charge}

This policy does not include General treatment (Extras) cover for

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Chinese medicine

Dietetics/dietary advice

Eye therapy (orthoptics)

Health management / Healthy lifestyle

Hearing aids

Home nursing

Non PBS pharmaceuticals

Occupational therapy

Optical

Orthotics (podiatric orthoses)

Podiatry

Psychology

Speech therapy

Other features of this general treatment cover: Includes hydrotherapy, myotherapy & dietetics. Remember, Frank is all online. For more information contact Frank on 1300 437 265 or visit www.frankhealthinsurance.com.au

For further information about this policy see: http://frankhealthinsurance.com.au

Ambulance cover

In NT this policy provides:

Emergency: Unlimited with no waiting period.

Call-out fees: Will be paid for each attendance, including emergency treatment without transport to hospital.

Other features of this ambulance cover: Benefits for emergency transportations are available on hospital and selected eligible extras covers. To avoid unexpected out of pockets, we strongly recommend taking out a subscription to be covered Australia wide, regardless of your health insurance. If you have eligible extras cover, provide us with the subscription receipt to receive a benefit up to 100% of the subscription cost.

For further information about this policy see: http://frankhealthinsurance.com.au

Insurer Details

Frank Health Insurance

Frank Starter Bundle (Basic)

$156.30 / month

(Before Rebate, Discount & Loading)

Available in NT

1300 209 428 Sponsor link

Go to site Sponsor link

Frank Health Insurance

https://www.frankhealthinsurance.com.au

frank@frankhealthinsurance.com.au

1300 209 428

Disclaimer: This document is not a Private Health Information Statement (PHIS), and it is not intended to replace that document. The details contained in the healthslips.com.au Policy Information was provided by the insurer to the Australian Government. It is intended as general information. It may not take into account your circumstances. For further information contact the insurer. Information used is Licensed from the Commonwealth of Australia under a Creative Commons 3.0 licence.Private Health Information Statement is available from the Private Health Insurance Ombudsman website at https://privatehealth.gov.au/dynamic/Premium/PHIS/GMH/J74/DHUE20

Frank Starter Bundle (Basic)

Policy ID: GMH/J74/DHUE20

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

Frank Health Insurance

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