Below are just some examples of what Frank covers. As long as the procedure isn’t excluded from this cover, Frank will pay benefits towards any inpatient service
An accident is defined as an unexpected or unintentional event resulting in bodily injury that requires urgent and immediate treatment as an inpatient in a hospital. For an accident to be covered, treatment must be sought through a doctor or an Emergency.
Surgical repair and treatment of a hernia or surgery to remove an inflamed appendix.
Surgery or keyhole surgery performed to examine and inspect the inside of a joint, to diagnose a problem in a joint and sometimes treat damage of the joint.
Generally a day procedure to view and inspect inside the large bowel (the colon) via the insertion of a flexible tube into the anus, to help diagnose and sometimes treat conditions such as gut related problems (abdominal pain), bowel disease, identify and remove polyps in the lining of the colon.
Procedure to view and inspect the upper digestive tract, the oesophagus, the stomach and duodenum (small intestine), to treat conditions such as bleeding ulcers, widen or narrow the oesophagus or to remove a foreign body.
Joint reconstructions to repair ligament tears, remove loose tissue and to treat other damage.
Surgery to replace a joint with a prosthesis by replacing all or part of the joint or joint resurface.
Surgery to treat conditions of the female reproductive system, including major surgery such as hysterectomy, prolapse and ovarian surgery.
Pharmaceuticals provided in hospital only. Limited benefits apply to high cost drugs.
Surgeries related to the treatment of heart and blood vessels, which includes cardiac surgery and coronary care.
Treatment to assist or replace the function of the kidneys by ensuring the appropriate balance of chemicals in the blood. It can include both haemodialysis and peritoneal dialysis.
Therapy to assist in recovery following a major health related event, such as a joint replacement or heart attack.
Cancer is a group of diseases typically characterised by abnormal cell growth. Treatments can be chemotherapy, radiation, or procedures.
Surgical procedure to remove cataract from the eye and implant an artificial lens.
Surgical treatment of conditions affecting the foot, ankle and related lower extremity structures by accredited and qualified specialists podiatrists.
Surgery for medically necessary reasons, such as to treat a physical deformity as a result of an accident, infection or congenital conditions (present since birth).
Covers emergency ambulance services by, or under an arrangement with, a State or Territory Ambulance Service Australia wide. Does not include cover for non-emergency ambulance transport, i.e. transfers between hospitals that are not medically necessary.
Frank will pay benefits up to a maximum of $5,000 per person for funeral coats within Australia, for either a burial or cremation.
Benefit will be paid up to $10,000 per membership for the repatriation of a living or deceased member back to their country of origin in the event of terminal illness, life altering injury or death.
These are services which are limited to a minimum (default) benefit as set by the Australian Government for accommodation as a private patient in a shared room of a public hospital. This benefit is not sufficient to cover the cost of a private room in a public hospital or any room in a private hospital. If you are admitted to a private hospital for treatment that is restricted by your policy, large out of pocket expenses will apply.
Services and treatment provided in hospital that deal with the care of women during pregnancy, childbirth and following delivery, includes delivery of the baby and complications of pregnancy.
Diagnosis and treatment of a wide range of mental health conditions.
Health care that offers support for people with a life-limiting illness, with the aim of providing comfort and to relieve pain and distress for people who are dying.
Cover for consultations with a GP (General Practitioner) or Medical Specialist outside of hospital.
Treatment provided to an admitted patient in hospital to assist with becoming pregnant, also includes the retrieval and implantation of eggs and collection of semen.
Surgery to transplant an organ or bone marrow from one body to another.
Cosmetic surgeries that medicare do not contribute to, or that are not medically necessary to occur such a tummy tucks, nose jobs.
Please note we do not pay for elective cosmetic surgery.
Services and treatment which are covered by compensation and damages provisions of any kind are not claimable.
Arranging a procedure in advance to arriving into Australia will not be covered.
Any treatment rendered outside Australia will not be covered.
Prostheses include a range of non-surgically implanted prostheses (eg. wigs)