Freedom Starter Flexi-Bundle (Basic)

from
$ 19.70*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote

The Freedom Starter Flexi-Bundle (Basic) is perfect if you’re a healthy single or couple looking for low cost cover in case you’re in an accident.

Flexible extras to spend across a range of services and a Freedom Limit that increases every full calendar year up to 4 years. So the longer you’re with us, the more you can claim.

Freedom limit, flex it your way.

Because sometimes your needs might change a little, you have a $500 freedom limit to claim on your 7 included extras services.

And the longer you're with us, the more you can claim.

Get an extra $50 to claim on your freedom limit each full calendar year, with a maximum of $200 after 4 years of continual cover. Your loyalty benefit will be available on 1 January after you’ve completed one full membership year.

^ Loyalty benefit is available on 1 January after completing one full membership year. For example; Alex joins frank on 1 July 2021, she completes her first membership year on 1 July 2022. That means her limit will start increasing each year starting 1 January 2023.

What hospital services are covered?

Freedom Starter Flexi-Bundle (Basic) provides the minimum standard clinical categories required for a ‘basic’ rating.

  • Accidents
  • Emergency Ambulance
  • Accidents

    Excess

    $750

    Waiting Period

    0 days


    Covers accidental injuries sustained after joining Frank. For an accident to be covered, treatment must be sought through a Doctor or an Emergency Department within 48 hours of sustaining the injury and the hospital admission must occur within 90 days. The Doctor’s letter / hospital report must be supplied to Frank.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Emergency Ambulance

    Waiting Period

    0 days


    Covers emergency ambulance services by a recognised provider Australia wide. Does not include cover for non emergency ambulance transport i.e. from a hospital to your home or ambulance transfers between hospitals. Publicly funded ambulance services and State Government transport schemes are excluded (eg. TAS/ACT/NSW/QLD). Find out more about emergency ambulance services.

    Frank will pay benefits towards public or participating private hospital theatre surgery costs, plus shared or private room accommodation charges in a private hospital or shared room accomodation charges in a public hospital. Fixed benefits are payable in a non-participating private hospital.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

What’s covered in a public hospital only?

Freedom Starter Flexi-Bundle (Basic) provides benefits as a private patient in a public hospital only for the following services.

  • Hospital psychiatric services
  • Rehabilitation
  • Hospital psychiatric services

    Excess

    $750

    Waiting Period

    2 months


    Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.

    Staying in a single room in a public hospital or treatment in a private hospital will result in significant out of pocket expenses.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Rehabilitation

    Excess

    $750

    Waiting Period

    2 months


    Hospital treatment for physical rehabilitation for a patient related to surgery or illness.

    Staying in a single room in a public hospital or treatment in a private hospital will result in significant out of pocket expenses.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Palliative care
  • Palliative care

    Excess

    $750

    Waiting Period

    2 months


    Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.

    Staying in a single room in a public hospital or treatment in a private hospital will result in significant out of pocket expenses.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

What hospital services are excluded?

Taking out Freedom Starter Flexi-Bundle (Basic) cover won’t give you benefits as a private patient in a public hospital or private hospital for the following services.

  • Blood
  • Bone, joint and muscle
  • Blood

    Hospital treatment for the investigation and treatment of blood and blood-related conditions.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Blood.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Bone, joint and muscle

    Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards bone, joint and muscle.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Brain and nervous system
  • Breast surgery (medically necessary)
  • Brain and nervous system

    Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards brain and nervous system.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Breast surgery (medically necessary)

    Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Breast surgery (medically necessary).

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Kidney and bladder
  • Chemotherapy, radiotherapy and immunotherapy for cancer
  • Kidney and bladder

    Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Kidney and bladder.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Chemotherapy, radiotherapy and immunotherapy for cancer

    Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Chemotherapy, radiotherapy and immunotherapy for cancer.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Dental surgery
  • Diabetes management (excluding insulin pumps)
  • Dental surgery

    Hospital treatment for surgery to the teeth and gums.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards dental surgery.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Diabetes management (excluding insulin pumps)

    Hospital treatment for the investigation and management of diabetes.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Diabetes management (excluding insulin pumps).

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Tonsils, adenoids and grommets
  • Digestive system
  • Tonsils, adenoids and grommets

    Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Tonsils, adenoids and grommets.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Digestive system

    Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Digestive system.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Ear, nose and throat
  • Eye (not cataracts)
  • Ear, nose and throat

    Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Ear, nose and throat.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Eye (not cataracts)

    Hospital treatment for the investigation and treatment of the eyes and content of the eye sockets.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Eye (not cataracts).

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Gastrointestinal endoscopy
  • Gynaecology
  • Gastrointestinal endoscopy

    Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Gastrointestinal endoscopy.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Gynaecology

    Hospital treatment for the investigation and treatment of the female reproductive system.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Gynaecology.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Heart and vascular system
  • Hernia and appendix
  • Heart and vascular system

    Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Heart and vascular system.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Hernia and appendix

    Hospital treatment for the investigation and treatment of a hernia or appendicitis.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Hernia and appendix.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Skin
  • Implantation of hearing devices
  • Skin

    Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Skin.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Implantation of hearing devices

    Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Implantation of hearing devices.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Lung and chest
  • Joint reconstructions
  • Lung and chest

    Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Lung and chest.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Joint reconstructions

    Hospital treatment for surgery for joint reconstructions.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Joint reconstructions.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Male reproductive system
  • Miscarriage and termination of pregnancy
  • Male reproductive system

    Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Male reproductive system.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Miscarriage and termination of pregnancy

    Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Miscarriage and termination of pregnancy.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Pain management
  • Plastic and reconstructive surgery (medically necessary)
  • Pain management

    Hospital treatment for pain management that does not require the insertion or surgical management of a device.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Pain management.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Plastic and reconstructive surgery (medically necessary)

    Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Plastic and reconstructive surgery (medically necessary).

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Podiatric surgery (provided by an accredited podiatric surgeon)
  • Back, neck and spine
  • Podiatric surgery (provided by an accredited podiatric surgeon)

    Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Podiatric surgery (provided by an accredited podiatric surgeon).

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Back, neck and spine

    Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Back, neck and spine.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Pregnancy and birth
  • Assisted reproductive services
  • Pregnancy and birth

    Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Pregnancy and birth.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Assisted reproductive services

    Hospital treatment for fertility treatments or procedures.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Assisted reproductive services.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Weight loss surgery
  • Joint replacement
  • Weight loss surgery

    Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards weight loss surgery.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Joint replacement

    Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Joint replacement.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Dialysis for chronic kidney failure
  • Insulin pumps
  • Dialysis for chronic kidney failure

    Hospital treatment for dialysis treatment for chronic kidney failure.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Dialysis for chronic kidney failure.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Insulin pumps

    Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Insulin pumps.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Cataracts
  • Pain management with device
  • Cataracts

    Hospital treatment for surgery to remove a cataract and replace with an artificial lens.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Cataracts.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Pain management with device

    Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Pain management with device.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

  • Sleep studies
  • Sleep studies

    Hospital treatment for the investigation of sleep patterns and anomalies.

    Freedom Starter Flexi-Bundle (Basic) cover will not pay benefits towards Sleep studies.

    Before receiving any treatment, check in with Frank for a quote so that you understand what you’re covered for.

What extras services are covered?

Sometimes your needs might change a little. $500 shared limit to use across 7 included services.

  • General & Preventative Dental
  • Physiotherapy
  • General & Preventative Dental

    Waiting Period

    2 months


    Includes dental treatments like check-ups, cleaning and fluoride treatments, x-rays, fillings and basic extractions.


    Annual limit

    Dental rules apply. View Frank's Dental treatment rules here.

    General & Preventative Dental shares an annual limit with Physiotheraphy, Group Physiotherapy, Chiropractic, Osteopathy, Exercise Physiology and Dietetics services.

    $500 per person

  • Physiotherapy

    Waiting Period

    2 months


    Physiotherapy is concerned with the assessment, diagnosis, and treatment of disease and disability through physical means.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Physiotheraphy shares an annual limit with General & Preventative Dental, Group Physiotherapy, Chiropractic, Osteopathy, Exercise Physiology and Dietetics services.

    $500 per person

  • Chiropractic
  • Osteopathy
  • Chiropractic

    Waiting Period

    2 months


    Chiropractic care uses manual treatments (including spinal manipulations – termed ‘adjustments’) to treat disorders of the musculoskeletal system.

    Benefits will only be paid for one consultation and/or treatment per provider per day. Excludes chiropractic X-rays.


    Annual limit

    Chiropractic shares an annual limit with General & Preventative Dental, Group Physiotherapy, Physiotheraphy, Osteopathy, Exercise Physiology and Dietetics services.

    $500 per person

    Excludes Chiropractic X-rays.

  • Osteopathy

    Waiting Period

    2 months


    Osteopathy is a holistic system of medicine that emphasises the inter-relationship of the body's nerves, muscles, bones and organs, and uses a ‘whole body’ approach to treatment.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Osteopathy shares an annual limit with General & Preventative Dental, Group Physiotherapy, Physiotheraphy, Chiropractic, Exercise Physiology and Dietetics services.

    $500 per person

  • Exercise Physiology
  • Dietetics
  • Exercise Physiology

    Waiting Period

    2 months


    Exercise Physiology can assist with the prevention and management of chronic diseases and injuries through exercise.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Exercise Physiology shares an annual limit with General & Preventative Dental, Group Physiotherapy,Physiotheraphy, Chiropractic, Osteopathy and Dietetics services.

    $500 per person

  • Dietetics

    Waiting Period

    2 months


    Dietetics looks at the science of nutritional planning and preparation of foods.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Dietetics shares an annual limit with General & Preventative Dental, Group Physiotherapy,Physiotheraphy, Chiropractic, Osteopathy and Exercise Physiology services.

    $500 per person

What is the loyalty benefit?

The longer you’re with us, the more you can claim. Get an extra $50 to spend on your freedom limit each full calendar year, with a maximum of $200 after 4 years of continual cover. That means your loyalty benefit will be available on 1 January after you’ve completed one full membership year.

Can I get more information?

Frank has a lot more information about the specifics of cover. Find out more about hospital fees, doctor’s fees, gap and all the nitty gritty here.

Yes. If you are admitted to hospital you will have to pay an excess. The most you will have to pay in excess per year is:

  • Single $750 per year
  • Couple $1500 per policy per year (if more than one person is hospitalised).

Under Frank’s Freedom Starter Flexi-Bundle (Basic), you’ll only be covered for a private room in a participating private hospital for injuries resulting from an accident.

For public hospitals, Frank will pay minimum benefits for a shared room only for the services included under your cover.

Always get written financial consent for any hospital admission.

With Freedom Starter Flexi-Bundle (Basic), regardless of your provider, you get the same amount back per visit, up to your annual limits. See your fact sheet below for a list of benefits per service.

Check the Freedom Starter Flexi-Bundle (Basic) fact sheet for annual limit details on Extras services included as part of this cover.

Yes. Frank believes in freedom of choice, so we pay the same benefits to any registered provider. This means you can use your regular dentist or physio and still claim.

Yes, on most services you will have to serve a waiting period if you’re new to health insurance. With Frank (and most health insurers) you have to wait a specific amount of time between signing up and making your first claim.

The Freedom Starter Flexi-Bundle (Basic) has the following waiting periods:

  • 0 days for hospital treatment as a result of an accident (accident must occur after joining) or for emergency ambulance transport
  • 2 months for psychiatric, rehabilitation and palliative care
  • 2 months for included extras

Find out more about waiting periods here.

The good news is that waiting periods may not apply if you’re coming to Frank from another fund. Find out more about switching to Frank here.

Yes there are. This might make us sound mean but if you have a read, you'll see they're fair. If you’re interested, check out the list of things Frank won’t pay on here.

Important

Refer to the Freedom Starter Flexi-Bundle (Basic) fact sheet for full product information including excesses, waiting periods and benefit limitation periods.

Information relating to this cover should be read and retained.

Freedom Starter Flexi-Bundle (Basic)

from
$ 19.70*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote