(before any rebate, loading or discount)
Covers 2 adults (and no-one else)
Available in Northern Territory
Closed to new members
# 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 exempts you from the Medicare Levy Surcharge.
This policy does not provide accident cover or benefits for travel and accommodation (outside of hospital).
| Dental surgery | Joint reconstructions | Hospital psychiatric services |
| Gynaecology | Miscarriage and termination of pregnancy | Palliative care |
| Hernia and appendix | Tonsils, adenoids and grommets | Rehabilitation |
| Assisted reproductive services | Digestive system | Male reproductive system |
| Back, neck and spine | Ear, nose and throat | Pain management |
| Blood | Eye (not cataracts) | Pain management with device |
| Bone, joint and muscle | Gastrointestinal endoscopy | Plastic and reconstructive surgery (medically necessary) |
| Brain and nervous system | Heart and vascular system | Podiatric surgery (provided by a registered podiatric surgeon – limited benefits) |
| Breast surgery (medically necessary) | Implantation of hearing devices | Pregnancy and birth |
| Cataracts | Insulin pumps | Skin |
| Chemotherapy, radiotherapy and immunotherapy for cancer | Joint replacements | Sleep studies |
| Diabetes management (excluding insulin pumps) | Kidney and bladder | Weight loss surgery |
| Dialysis for chronic kidney failure | Lung and chest |
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.
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
Waiting periods:
This provider offers 'known gap' or 'no gap' cover for medical bills for this product.
The Medical Costs Finder lets you find out more about the cost of specialist medical services.
This health insurer does not operate a preferred provider scheme.
| Treatment | Waiting period (months) | Benefit limits (per 12 months unless otherwise stated) | Examples of maximum benefits |
|---|---|---|---|
| General dental | 2 | $700 per person (combined limit for general dental, endodontic, physiotherapy, chiropractic, acupuncture, remedial massage, chinese medicine, dietetics/dietary advice, exercise physiology & osteopathy) | Periodic oral examination - $26.60 Scale & clean - $54.20 Fluoride treatment - $16.10 |
| Endodontic | 12 | Filling of one root canal - $91.40 | |
| Optical | 6 | $150 per person | Single vision lenses & frames - 100% of charge |
| Physiotherapy | 2 | Combined limit - see General dental | Initial visit - $32.00 Subsequent visit - $32.00 |
| Chiropractic | 2 | Combined limit - see General dental | Initial visit - $28.00 Subsequent visit - $28.00 |
| Acupuncture | 2 | Combined limit - see General dental | Initial visit - $25.00 Subsequent visit - $25.00 |
| Remedial massage | 2 | Combined limit - see General dental | Initial visit - $22.00 Subsequent visit - $22.00 |
| Chinese medicine | 2 | Combined limit - see General dental | Initial visit - $25.00 Subsequent visit - $25.00 |
| Dietetics/dietary advice | 2 | Combined limit - see General dental | Initial visit - $25.00 Subsequent visit - $25.00 |
| Exercise physiology | 2 | Combined limit - see General dental | Initial visit - $22.00 Subsequent visit - $22.00 |
| Osteopathy | 2 | Combined limit - see General dental | Initial visit - $32.00 Subsequent visit - $32.00 |
| With the Freedom Saver Flexi-Bundle (basic+) you receive a $700 Freedom Limit to spend on your included extras, with a separate limit of $150 to spend on Optical. 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). | |||
| Blood glucose monitors | Non PBS pharmaceuticals | Psychology |
| Hearing aids | Orthodontic | Other treatments - check with your insurer |
| Major dental | Podiatry |
Excludes chiropractic x-rays. Remember, Frank is all online. For more information contact Frank on 1300 437 265 or visit www.frankhealthinsurance.com.au
In Northern Territory 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.
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.
The information contained in this Private Health Information Statement was provided by the insurer and is intended as general information. It may not take into account your particular circumstances. For information please contact the insurer.
For information on what is covered under each category, see https://www.privatehealth.gov.au/categories
Restricted categories partially cover your hospital costs as a private patient in a public hospital. You may incur significant expenses in a private room or private hospital.
These categories are not covered by this policy.