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Frank Health Insurance

Frank Simple Essentials 60 Bundle 750 (Basic+)

$360.70 / month

(Before Rebate, Discount & Loading)

Available in SA

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).

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.

Policy ID: GMH/J85/SLAG20 Source: Private Health Information Statement (PHIS)

Hospital Cover

Covered

Restricted Cover

Not Covered

This policy includes cover for

Dental surgery

Hernia and appendix

Hospital psychiatric services

Joint reconstructions

Palliative care

Rehabilitation

Tonsils, adenoids and grommets

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

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

Implantation of hearing devices

Insulin pumps

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

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

For more information contact Frank on 1300 437 265 or visit www.frankhealthinsurance.com.au

This health insurer does not operate a preferred provider scheme.

Policy ID: GMH/J85/SLAG20 Source: Private Health Information Statement (PHIS)

Extras Cover

This policy includes General treatment (Extras) cover for

Note, for treatments marked with * : Vaccinations must be a private Schedule 4 or Schedule 8 and dispensed via a provider in private practice. Benefit after deduction of the PBS co‐payment.

Treatment & waiting period (months)

Benefit limits per 12 months unless otherwise stated

Examples of maximum benefits

Chiropractic

$350 per person

combined limit for chiropractic, osteopathy & physiotherapy

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

Endodontic

$500 per person

combined limit for endodontic, general dental, major dental & orthodontic

Filling of one root canal: 60% of charge

General dental

$500 per person

combined limit for endodontic, general dental, major dental & orthodontic

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

Major dental

$500 per person

combined limit for endodontic, general dental, major dental & orthodontic

Full crown veneered: 60% of charge

Optical

$250 per person

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

Orthodontic

$500 per person

combined limit for endodontic, general dental, major dental & orthodontic

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

Osteopathy

$350 per person

combined limit for chiropractic, osteopathy & physiotherapy

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

Physiotherapy

$350 per person

combined limit for chiropractic, osteopathy & physiotherapy

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

Vaccinations*

$100 per person

Per service: 60% of charge

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

Acupuncture

Ante-natal/Post-natal classes

Audiology

Blood glucose monitors

Chinese medicine

Dietetics/dietary advice

Exercise physiology

Eye therapy (orthoptics)

Health management / Healthy lifestyle

Hearing aids

Home nursing

Non PBS pharmaceuticals

Occupational therapy

Orthotics (podiatric orthoses)

Podiatry

Psychology

Remedial massage

Speech therapy

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.

Ambulance cover

In SA 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.

Insurer Details

Frank Health Insurance

Frank Simple Essentials 60 Bundle 750 (Basic+)

$360.70 / month

(Before Rebate, Discount & Loading)

Available in SA

Call now 1300 209 428 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/J85/SLAG20