Frank Health Insurance

Frank Essentials Bundle (Silver)

Name: Frank Essentials Bundle (Silver)
Brand: Frank Health Insurance
Price: 460.6 AUD

$460.60 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

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: One adult & dependants (2 or more people, only one of whom is an adult).

Children (0 - 17), non-classified* dependant (18 - 20) and students (21 - 24), as well as persons with a disability who qualify as a child, non-classified* dependant and student in these age ranges. *Non-classified dependant: Dependant from the age of 18 to 20

Policy ID: GMH/J75/NHVZ1D

Source: Private Health Information Statement (PHIS)

Hospital Cover

This policy exempts you from the Medicare Levy Surcharge.
This policy does not provide accident cover.
This policy does not provide benefits for travel or accommodation outside of hospital.

Covered

Restricted Cover

Not Covered

This policy includes cover for

Back, neck and spine

Blood

Bone, joint and muscle

Brain and nervous system

Breast surgery (medically necessary)

Chemotherapy, radiotherapy and immunotherapy for cancer

Dental surgery

Diabetes management (excluding insulin pumps)

Digestive system

Ear, nose and throat

Eye (not cataracts)

Gastrointestinal endoscopy

Gynaecology

Heart and vascular system

Hernia and appendix

Hospital psychiatric services

Implantation of hearing devices

Joint reconstructions

Kidney and bladder

Lung and chest

Male reproductive system

Miscarriage and termination of pregnancy

Pain management

Palliative care

Plastic and reconstructive surgery (medically necessary)

Podiatric surgery (provided by a registered podiatric surgeon)

Rehabilitation

Skin

Tonsils, adenoids and grommets

This policy does not include cover for

Assisted reproductive services

Cataracts

Dialysis for chronic kidney failure

Insulin pumps

Joint replacements

Pain management with device

Pregnancy and birth

Sleep studies

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 $750 per admission. This is limited to a maximum of $750 per person and $1500 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

Excess for dependents will apply as from 01/02/2020. Remember, Frank is all online. For more information contact Frank on 1300 437 265 or visit www.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

$400 per person up to $800 per policy

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 up to $600 per policy

combined limit for chiropractic, osteopathy & other services

sub-limits apply

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

Dietetics/dietary advice 2

$200 per person up to $400 per policy

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

Endodontic 12

$600 per person up to $1,200 per policy

combined limit for endodontic, general dental, major dental & other services

sub-limits apply

Filling of one root canal: 60% of charge

Exercise physiology 2

$300 per person up to $600 per policy

combined limit for exercise physiology, physiotherapy & other services

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

General dental 2

$600 per person up to $1,200 per policy

combined limit for endodontic, general dental, major dental & other services

sub-limits apply

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

Major dental 12

$600 per person up to $1,200 per policy

combined limit for endodontic, general dental, major dental & other services

sub-limits apply

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

Non PBS pharmaceuticals* 2

$300 per person up to $50 per service up to $600 per policy

combined limit for non pbs pharmaceuticals & vaccinations

sub-limits apply

Per eligible prescription: 60% of charge

Optical 6

$250 per person

Multi-focal lenses & frames: 60% of charge
Single vision lenses & frames: 60% of charge

Orthodontic 12

$500 per person

$1,700 lifetime limit

sub-limits apply

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

Orthotics (podiatric orthoses) 12

$200 per person up to $400 per policy

Orthotics supply & fit: 60% of charge

Osteopathy 2

$300 per person up to $600 per policy

combined limit for chiropractic, osteopathy & other services

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

Physiotherapy 2

$300 per person up to $600 per policy

combined limit for exercise physiology, physiotherapy & other services

sub-limits apply

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

Podiatry 2

$200 per person up to $400 per policy

sub-limits apply

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

Psychology 2

$200 per person up to $400 per policy

sub-limits apply

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

Remedial massage 2

$400 per person up to $800 per policy

combined limit for acupuncture, remedial massage & other services

sub-limits apply

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

Speech therapy 2

$200 per person up to $400 per policy

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

Vaccinations 2

$300 per person up to $50 per service up to $600 per policy

combined limit for non pbs pharmaceuticals & vaccinations

Per service: 60% of charge

Acupuncture

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$400 per person up to $800 per policy}

{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 up to $600 per policy}

{combined limit for chiropractic, osteopathy & other services}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

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

{$600 per person up to $1,200 per policy}

{combined limit for endodontic, general dental, major dental & other services}

{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 up to $600 per policy}

{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

{$600 per person up to $1,200 per policy}

{combined limit for endodontic, general dental, major dental & other services}

{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

{$600 per person up to $1,200 per policy}

{combined limit for endodontic, general dental, major dental & other services}

{sub-limits apply}

Examples of maximum benefits

{Surgical tooth extraction: 60% of charge}

{Full crown veneered: 60% of charge}

Non PBS pharmaceuticals*

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $50 per service up to $600 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

{sub-limits apply}

Examples of maximum benefits

{Per eligible prescription: 60% of charge}

Optical

Waiting period: 6 months

Benefit limits per 12 months unless otherwise stated

{$250 per person}

Examples of maximum benefits

{Multi-focal lenses & frames: 60% of charge}

{Single vision lenses & frames: 60% of charge}

Orthodontic

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{$1,700 lifetime limit}

{sub-limits apply}

Examples of maximum benefits

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

Orthotics (podiatric orthoses)

Waiting period: 12 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

Examples of maximum benefits

{Orthotics supply & fit: 60% of charge}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $600 per policy}

{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 up to $600 per policy}

{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}

Podiatry

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

{sub-limits apply}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Psychology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

{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

{$400 per person up to $800 per policy}

{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}

Speech therapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$200 per person up to $400 per policy}

Examples of maximum benefits

{Initial visit: 60% of charge}

{Subsequent visit: 60% of charge}

Vaccinations

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$300 per person up to $50 per service up to $600 per policy}

{combined limit for non pbs pharmaceuticals & vaccinations}

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

Eye therapy (orthoptics)

Health management / Healthy lifestyle

Hearing aids

Home nursing

Occupational therapy

Other features of this general treatment cover: Update your details and check your cover when it suits you. Lodge claims, change cover and read messages from Frank in your secure online member area.

Ambulance cover

In NSW & ACT 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: If you are a resident of NSW or ACT take out any hospital cover, you are automatically covered for emergency transportation within NSW. Ambulance NSW is a Levy Based Scheme which is why it operates under your hospital cover. If an ambulance is called, you will receive a bill. If you have a hospital product with us, you can send this bill on to us, and we’ll let the NSW/ACT Ambulance service know you’re covered.

Insurer Details

Frank Health Insurance

Frank Essentials Bundle (Silver)

$460.60 / month

(Before Rebate, Discount & Loading)

Available in NSW & ACT

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/J75/NHVZ1D

Frank Essentials Bundle (Silver)

Policy ID: GMH/J75/NHVZ1D

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

Frank Health Insurance

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