What is Hospital Cover?

Hospital cover is exactly what it sounds like: insurance that helps to cover your costs in hospital. With hospital cover you’re covered for things like treatment, accommodation and nursing care.

How much of your expenses are paid depends on your level of cover, the procedure or care given, and the hospital you choose to stay in.

Hospital cover doesn't cover you for services received outside of a hospital like a visit to your GP, dentist or new glasses. Things like x-rays, where you aren't admitted as an inpatient to hospital (even if they're done in a hospital building) also aren’t covered.

What Hospital Cover is best for me?

Before taking out hospital cover, work out exactly why you want it. Are you looking for entry level cover and happy to exclude services to keep the price down or do you want peace of mind knowing that you’re covered for whatever life might throw at you?

Frank has a range of hospital covers across different price levels. If one cover is cheaper than another, it’s because it excludes treatments or services that cost more than others. Always check the exclusion list on a product and decide how important the treatment or service is to you.

Compare Frank hospital covers below


Service or treatment type is covered in a private hospital or in a public hospital as a private patient

Service or treatment type is partially covered

Service or treatment type is excluded

Additional important product information

Basic Hospital 500 (Basic+)
More info
Entry Hospital (Basic+)
More info
Basic Hospital Plus
More info
Private Hospital (Bronze)
More info
Better Hospital
More info
Silver Hospital
More info
Max Hospital 750 (Silver+)
More info
Top Hospital (Silver+)
More info
Hospital expenses covered
Public hospital accommodation
Private hospital accommodation
Shared room
Private room
Doctors' expenses covered
All medically necessary inpatient services are covered unless listed as an exclusion below
Hospital psychiatric services
Palliative care
Eye ( not cataracts)
Ear, nose and throat
Tonsils, adenoids and grommets
Bone, joint and muscle
Joint reconstructions
Kidney and bladder
Male reproductive system
Digestive system
Hernia and appendix
Gastrointestinal endoscopy
Miscarriage and termination of pregnancy
Chemotherapy, radiotherapy and immunotherapy for cancer
Breast surgery (medically necessary)
Pain management
Heart and vascular system
Lung and chest
Back, neck and spine (including spinal fusion)
Plastic and reconstructive surgery (medically necessary)
Dental surgery
Podiatric surgery (by an accredited iodiatric surgeon)
Implantation of hearing devices
Joint replacements
Dialysis for chronic kidney disease
Pregnancy, birth and neonates
Assisted reproductive services
Weight loss surgery
Insulin pumps
Pain Management with Device
Sleep studies

Do I have to pay an excess?

Yes. If you are admitted to hospital, you will have to pay an excess directly to the hospital upon admission. An excess helps with the cost of your admission and by having an excess, the amount you pay for your cover is lower.

This amount will vary based on the cover you select.

Can I get more information about fees?

Of course. There is more information about hospital fees, doctors’ fees, gap and all the nitty gritty if you’re admitted to hospital. Find out more about fees and how they work here.

Will I have to wait before I claim?

Yes, particularly if you’re new to health insurance. With our covers (and most other health insurers) you have to wait a specific amount of time between signing up and making your first claim. This is called a waiting period.

The following table shows the waiting periods that apply.

Frank's Hospital cover waiting periods
12 months Pregnancy and pre-existing conditions (except psychiatric, rehab or palliative care)
2 months Psychiatric, rehab or palliative care and any other hospital treatment
1 day Accidents

Find out more about waiting periods.

Are there services Frank won’t pay on?

Yes there are. It might make us sound mean, but if you have a read, you'll see they're fair. Read the full list of things Frank won’t pay on.


The cover information on this page should be read and retained.