Frank Health Insurance

Frank Freedom Starter Flexi-Bundle (Basic)

Name: Frank Freedom Starter Flexi-Bundle (Basic)
Brand: Frank Health Insurance
Price: 265.6 AUD

$265.60 / 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: Two adults (and no-one else).

Policy ID: GMH/J83/NKMZ20

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 on 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.

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

Chiropractic 2

$500 per person

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy & physiotherapy

Initial visit: $24
Subsequent visit: $24

Dietetics/dietary advice 2

$500 per person

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy & physiotherapy

Initial visit: $20
Subsequent visit: $20

Exercise physiology 2

$500 per person

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy & physiotherapy

Initial visit: $18
Subsequent visit: $18

General dental 2

$500 per person

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy & physiotherapy

Fluoride treatment: $16.1
Scale & clean: $54.2
Periodic oral examination: $26.6

Osteopathy 2

$500 per person

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy & physiotherapy

Initial visit: $24
Subsequent visit: $24

Physiotherapy 2

$500 per person

combined limit for chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy & physiotherapy

Initial visit: $24
Subsequent visit: $24

Chiropractic

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $24}

{Subsequent visit: $24}

Dietetics/dietary advice

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $20}

{Subsequent visit: $20}

Exercise physiology

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $18}

{Subsequent visit: $18}

General dental

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy & physiotherapy}

Examples of maximum benefits

{Fluoride treatment: $16.1}

{Scale & clean: $54.2}

{Periodic oral examination: $26.6}

Osteopathy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $24}

{Subsequent visit: $24}

Physiotherapy

Waiting period: 2 months

Benefit limits per 12 months unless otherwise stated

{$500 per person}

{combined limit for chiropractic, dietetics/dietary advice, exercise physiology, general dental, osteopathy & physiotherapy}

Examples of maximum benefits

{Initial visit: $24}

{Subsequent visit: $24}

With the Freedom Starter Flexi-Bundle (basic+) you receive a $500 Freedom Limit to spend on your included extras. In addition, Loyalty Benefit rewards you for staying with Frank by increasing your Freedom Limit for each full calendar year you serve (capped at 4 years).

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

Acupuncture

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Chinese medicine

Endodontic

Eye therapy (orthoptics)

Health management / Healthy lifestyle

Hearing aids

Home nursing

Major dental

Non PBS pharmaceuticals

Occupational therapy

Optical

Orthodontic

Orthotics (podiatric orthoses)

Podiatry

Psychology

Remedial massage

Speech therapy

Vaccinations

Other features of this general treatment cover: Excludes chiropractic x-rays. Remember, Frank is all online. For more information contact Frank on 1300 437 265 or visit www.frankhealthinsurance.com.au

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 Freedom Starter Flexi-Bundle (Basic)

$265.60 / 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/J83/NKMZ20

Frank Freedom Starter Flexi-Bundle (Basic)

Policy ID: GMH/J83/NKMZ20

Hospital Cover

Extras Cover

Ambulance cover

Insurer Details

Frank Health Insurance

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