Have your membership card on hand when you arrange admission to hospital, visit a participating provider or when you call Frank with any questions. Find an up to date list of participating private hospitals here, however it is subject to change without notice. You can claim the rebate as a reduction to your premiums, as a tax rebate when you lodge your annual tax return or as a direct payment from the Government through any Medicare office. We know times aren’t so simple right now, but your health and wellbeing is a top priority for us. The policy holder who is the person responsible for the management of your private health insurance membership or a person authorised to provide us with information on your behalf in order to provide you with private health insurance cover and pay you benefits. We provide such third party content and links as a courtesy to Users (and subject to the terms set out above under the heading Copyright). If your service provider does not have an electronic terminal, you will need to pay your account with your service provider in full and then claim online with Frank. Dental procedures carried out and charged direct to the member/dependant by a dental mechanic, other than an advanced dental technician. Why are you increasing premiums when people are still facing hardship due to COVID-19? By typing “yes” I acknowledge and declare that: By typing “Yes” I make a claim for services provided and I declare that: Frank Health Insurance is a business of GMHBA Limited. We will use reasonable efforts to remove any such Material from our Site should you notify us by email here. Services/treatment rendered more than 12 months prior to the date of claiming. For example, if Frank’s full benefit for a hospital stay was $5,000 and your excess is $500 the benefit will be adjusted to $4,500. We'll let you know what they are when the Government decides. The frequency with which a person needs extras or hospital treatment. The Australian Government Rebate on Private Health Insurance is available to those who have full Medicare eligibility and earn under $140, 000 for singles and $280,000 for families/couples or single parents. Photocopies/facsimiles of accounts and/or receipts cannot be accepted. For treatment that was covered under the old policy but at a lower level, the member is entitled to the lower benefits on their old cover during the waiting period. Frank is straight talking, online and provides low cost health insurance. Members should make and rely on their own enquiries and seek any assurance or warranties directly from the provider of the service or product. Meet legislative requirements relating to private health insurers . The status of the member’s membership will be assessed with any outstanding claims being honoured and any premiums shall be refunded. Before you join or transfer your health insurance to Frank we recommend you read Frank’s Fund Rules. Maximum of one examination or consultation item per visit. Where a member is transferring from another product or from another health insurer, waiting periods for hospital treatment that was not covered under the old policy are: Where a member is transferring from another product or from another health insurer, waiting periods for extras that were not covered under the old policy are: The above waiting periods also apply to previously uninsured members. A range of dental procedures when provided on the same day e.g. This is the only way that Frank can communicate with you, and acceptance of this is a condition of membership. If you have a pre-booked hospital admission or ongoing hospital treatment, we would recommend to regularly check in with your doctor and hospital before your admission for the most up-to-date information. We also introduced telehealth benefits for a wide range of extras services for members with extras cover to ensure services can still be utilised. Hospital claims - are paid from Frank direct to the hospital. It’s part of not-for-profit insurer GMHBA. Your operating system and the browser you used. However, if you choose not to provide us with personal information, we may not be able to provide you with the services you require. These changes are needed to make sure the fund and our products are sustainable, and we can keep paying claims. Does my health insurance policy cover coronavirus? These savings are in addition to your existing Frank dental benefits. A letter of denial is required. We may also collect information from third parties such as: We may also collect information from our website such as: This information is collected for statistical and administrative purposes, and to improve web based services. the health care account has been incompletely, incorrectly or inappropriately itemised. The discount is only available on selected products but is available to new and existing policy holders. When you use our website or ask for general information, we may deal with you without requiring you to provide personal information. Talk to Frank from 8am-6pm, Mon- Fri. www.frankhealthinsurance.com.au The most you'll pay for excess each calendar year varies based on your level of cover. For further details please refer to the ‘. This Site should not be relied upon in any way. The easiest way for you to claim the rebate is to complete the application form for the Australian Government Rebate on Private Health Insurance during the application process with Frank. Frank uses the terms ‘member’, 'spouse/partner' and ‘dependant’ to define the people covered by a membership. Benefits are payable when billed by a specialist dentist. a filling on a tooth that has been removed. We do not control the Material posted by other Users and as such do not guarantee the accuracy, integrity or quality of such Material. The copyright in this Site, including, without limitation, in all documents, files, text, images, graphics, devices and code contained in it and in this Site's general "look and feel" is owned, controlled or licensed by or to us. In this privacy statement, a reference to personal information includes sensitive and health information. Telehealth consultations are safe, effective and give members continuity of care from the safety of their homes. As much as having a detailed legal page goes against our simple nature, you need to know exactly what you’re signing up to when taking out health insurance. flu/pneumonia. The hospital expenses, theatre, etc. These agreements aim to maximise your cover and minimise your out of pockets. Playing next. Telehealth benefits are available for a wide range of services for members with extras cover. However, you acknowledge and agree that even if you have terminated your Online Portal Rights, you will continue to be bound by these Terms of Use for as long as you continue to use our Site. Conduct customer surveys including satisfaction and net promoter surveys. Webmail is contained within the Member area and is accessible only with your Member Number (which is on the back of your member card) and password. We're now focusing on providing more targeted financial relief to those who are still experiencing hardship. During elective surgery restrictions, health funds have continued to cover vital surgery, mental health treatments, telehealth and allied health services. (i) the level of cover and/or benefit entitlement is upgraded or increased; (ii) any hospital or extras service was not covered by the previous insurer and/or; (iii) the waiting periods have not been completed. Can you postpone the 1 October premium increases for those experiencing hardship? The information on this Site may not always be complete and up to date. You will need to present your membership card upon admission, and you will not need to contact Frank in most cases. See our contact page for details. (a) notify us immediately upon becoming aware of any unauthorised disclosure or use of your username and/or password; and. Frank’s old man, GMHBA, has been in the insurance business since 1934 and today is one of Australia’s most trusted health funds.Frank isn’t into wasting reams of paper. Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube. professional services are provided to the provider or members of the provider’s family or to a provider’s business partner’s family members or any other people not independent from the practice. Details of all claims paid on your behalf can be viewed in your online member area. 12 months - major dental, podiatric surgery and orthotics (where offered in the cover). The surcharge is in addition to the normal 2% Medicare Levy. Similarly, correspondence issued by Frank will be addressed to the member and it is the member’s responsibility to notify Frank of any change of address by maintaining the address records in the member area. Additions to a membership (unless the addition/s has already served all waiting periods with Frank or another insurer) except newborns and adopted and permanent foster children where the family membership has been in existence for at least 2 months, and where the addition/s has already served all waiting periods with Frank or another insurer. Foot orthotics unless they are custom made and provided by a registered podiatrist. How does the premium increase affect me if I’ve already made payments in advance? You will need to keep your receipt for 2 years and send to Frank if requested during an audit in this time. All personal information submitted to us through the Site will be dealt with in accordance with the terms of our Privacy Statement for Members which can be accessed above. In the event of any member or person named on the member’s membership is convicted in a court of law of assault or similar offence against a staff member related to that staff member’s performance of their duties, has obtained or attempted to obtain an improper advantage, for themselves or for any other member or is convicted in a court of law of fraud against Frank, the Board may in its discretion, declare the member’s membership void. Your previous health fund to cancel your membership and request a transfer certificate. Restrictions Benefits may not be paid or may be paid at a lower level where: You can suspend your Frank cover for periods of overseas travel provided you: You’ll be required to resume your suspended cover within 2 months of returning to Australia and premiums must be paid from the date of re-entry. For example, we may collect information when you: obtain a quote from us, make an application for health insurance, submit a health insurance claim, make an appointment, complete forms, provide information to us during a visit to one of our health related practices, purchasing of goods, have customer interactions with us where we record system notes and voice recordings of telephone conversations or if you use our webchat function. People who do not have full Medicare eligibility should contact Frank on 1300 4 FRANK (37265) to discuss appropriate health insurance arrangements. If you’re currently on a singles membership and would like your baby to be covered by Frank, you will need to upgrade to a single parent or family membership from the date your baby is born. Overpayments can be made by Frank to a member, either through an error in completing a claim, or an error in processing a claim. The premiums returned on the Quick Quote are quoted at base rates. These rules will continue to apply as normal, including for coronavirus. It is your obligation to ensure that your details stored in your online portal are kept up to date. By using our Site you understand and agree that you may be exposed to Material posted by other Users that may be offensive, indecent or objectionable. surgery is performed in hospital by a registered podiatrist/podiatric surgeon. All members pay the same premium for the same policy and insurers cannot discriminate against members based on health status, claims history or age. Is my new 1 October premium the same amount that was meant to originally come in to effect on 1 April? These terms and conditions are governed by and must be construed according to the law applying in Victoria. The opinions expressed by Users on the Site reflect solely the opinions of the individuals who submitted such opinions, and do not reflect our opinions. If your membership is terminated, then premiums received in advance for coverage beyond the termination date will be refunded. You acknowledge and accept that by using this Site, you agree to be bound by these Terms of Use as updated by us from time to time, whether you are a 'Visitor' (which means that you simply browse our Site) or a 'Member' (which means that you have joined our health fund). the claim is for cosmetic surgery. you are admitted to hospital and you choose to be treated as a private patient; and. If you joined after this date and are aged 31 or over, and therefore have a CAE of over 30, you’ll pay a 2% loading for each year your CAE is above 30 to a maximum loading of 70%. Make sure you allow for this time frame when you agree to a hospital admission date. Where the matter is complex we will attempt to finalise within a month. By submitting, posting or uploading Material you represent and warrant that you have rights to and are legally entitled to post that material on the internet. Except for the limited permission set out above, nothing on this Site should be construed as granting any other right or licence. Since the start of the pandemic, Frank has put members first and has provided a significant member support package to help our members throughout the pandemic. Account/s which have been altered in any way will not be accepted. An acceptable transfer certificate and claims history must be received by Frank. No (3) Award Winner 2020; CUA Health. The pre-existing condition rule still applies even if your ailment, illness or condition was not diagnosed prior to joining the hospital cover. Write to us. Confused…? members transferring/upgrading to a higher hospital cover must wait 12 months to get the higher hospital benefits (other than psychiatric, rehabilitation and palliative care). new members must wait 12 months for any hospital benefits (other than psychiatric, rehabilitation and palliative care). The aim of the MSRC is to listen to you and to provide decisions that are fair and equitable for all our members. We reserve the right to change any part of this Site or these Terms of Use at any time without notice. (b) be liable for any loss or damage resulting from such unauthorised use or disclosure. Provide you with the opportunity to participate in fitness groups and/or attend health seminars and community health events. 018 - Written report (not elsewhere included). We understand some of our members may be experiencing financial hardship as a result of the COVID-19 pandemic. If you require further clarification about the decision made at the MSRC, please email us at, A single person - without dependent children - with a taxable income (including any reportable fringe benefits of $1,000 or more) greater than $90,000. Your baby will not incur waiting periods. If you are not the policy holder of your health insurance membership, Frank Health Insurance may also disclose your personal information to the policy holder as part of administering the membership and paying benefits. You are authorised to copy and print extracts or documents from this Site (except for any third party owned content which has been identified as such) for your non-commercial use only or to use such extracts or documents as permitted by the Copyright Act 1968 (Cth), provided any such copy, print or other use retains all copyright or other proprietary notices and any disclaimer contained within them. Frank West Insurance Services has specialized in providing affordable health insurance solutions to individuals, families and businesses since 1982. In these terms, "you" or "your" refers to GMHBA Limited, and "I" or "my" refers to you as the Policy Holder. Check with us on 1300 4 FRANK (37265) before confirming your hospital admission. We need about 5 working days to make the pre-existing condition assessment, subject to the timely receipt of information from your treating medical practitioner/s. To the extent permitted by law, we and any party involved in creating, producing or delivering this Site will not, in any circumstance, be liable for any damages, loss (whether direct or consequential), costs or expenses of any kind arising out of, or referable to, the completeness, timeliness, currency, suitability or accuracy of anything on this Site, or the inability to use this Site, whether caused by our negligence or otherwise. Benefits are only payable on itemised and original account/s. Answer any queries you may have in relation to our private health insurance products and health and wellness related services. The refund will be paid into the same account or card that was used to Debit. GMHBA Limited includes all health insurance businesses including our brands – GMHBA Health Insurance, Frank Health Insurance (includes Frank Overseas Visitor Health Cover), and health related businesses (GMHBA Eye Care, Dental Care and Care Coordination Service) and wholly controlled entities (health.com.au). the service/s is subject to a waiting period or other limit which has not been served/met. the claim is for additional medical gap benefits, where the medical service is rendered by a medical practitioner employed full-time in the public sector. In partnership with Kieser, Frank members with extras cover will have access to telehealth and face-to-face physiotherapy with no out of pocket costs up to your … Frank reserves the right to refuse admission to membership of any level of health insurance. Your use of this Site is governed by these Terms of Use, as updated by us from time to time. Assess your suitability for, enrol you in and administer health and wellness related services such as chronic disease management programs, health management programs and coaching programs. I confirm that I have the authority to act on behalf of the individual(s) named in this online application and I have brought your. We understand that the information that you entrust to us is private and confidential. Sensitive information collected by Frank Health Insurance includes information about your health or medical history. With Frank, health insurance is no longer confusing, complicated or filled with jargon. Frank understands that paperwork is time-consuming, tedious, and bad for trees. Benefits, payable under a hospital or extras cover shall not exceed the fees and/or charges raised for any treatment and/or services covered for benefits under the relevant cover, after taking into account benefits paid from any other source. Frank Health Insurance - Good News. You can talk to a representative by calling 1300 516 450 or emailing. 7.6K likes. Information about your computer or web device. Latest review: A very pleasant experience as an older lady in completing a necessary update on our policy which was resolved in a very … The fully itemised health care account/s, and the original receipt/s. In particular (but without limitation), we do not accept any liability arising out of any allegation that use or other exploitation of any third party owned content (whether published on this Site or any other website) infringes the intellectual property rights of any person or any liability arising out of the use of or reliance on any information or opinion contained on or in, or an omission from, such third party website or content. Please refer to your product information for further details. Frank hospital covers are designed for people who have full Medicare eligibility. Indirect restorations are a type of filling that is made outside of the mouth by using a plaster cast model of your tooth. As the coronavirus (COVID-19) situation continues to unfold, we want to reassure you that the team at Frank is here to support you. Services/treatment which is not covered by your membership and/or is rendered while the membership is in arrears or is suspended. In this privacy statement ‘personal information’ means information or an opinion about an identified individual or an individual who is reasonably identifiable, whether the information or opinion is true or not, and whether the information or opinion is recorded in a material form or not. Please contact Frank to check what you’re going to get back before having treatment or going into hospital. We do not disclose information outside of Australia unless we take steps as are reasonable in the circumstances to ensure that the overseas recipient will not breach the Australian Privacy Principles set out in the Privacy Act 1988 (Cth) in relation to the information. Other health services such as your health service provider, private health insurance provider and Medicare for our health related businesses, Intermediaries who provide private health insurance information and services on behalf of Frank Health Insurance and. Dental procedures where a limit on the number you can have has been exceeded. To make a complaint, contact the Commonwealth Ombudsman at www.ombudsman.gov.au. Please note that your Certified Age of Entry (CAE), for the purposes of calculating Lifetime Health Cover (LHC) loading, may be affected by periods of absence of 3 years or longer. An important part of this relationship is our commitment to protecting the personal information entrusted to us by our members. 1. A member can be liable to Frank for unpaid premiums and for overpayments. These payments have been locked in at your pre-1 October rate. 2 months - any other benefit for hospital treatment. Frank Health Insurance (Health Insurance): 4.2 out of 5 stars from 507 genuine reviews on Australia's largest opinion site ProductReview.com.au. If you’re still experiencing financial hardship due to COVID-19, you may be eligible to suspend your membership, with the ability to reactivate your cover at any time you need. Resolve any legal and/or commercial complaints or issues including in relation to compensation recovery. If there is an unexpected rejection of your claim at the point of service, your provider should contact Frank on 1300 4 FRANK (37265) to clarify the issue at the time of the service taking place. transfer to any equivalent or lower level of cover within 30 days of your membership ceasing with your previous health insurer. We have added wording to hospital eligibility checks to confirm coverage for all of our members with hospital cover so the hospitals are aware that you will be covered. An excess is the fee you pay in return for lower premiums. (i) the Material that you post, provide or transmit on or through the Site; (ii) any Material that you transmit to other Users; and, (a) any breach of these Terms of Use by you; or, (b) to the extent permitted by law, your use of this Site;or. While we endeavour to have the most up-to-date information, it is our recommendation that you always confirm with the health … We recommended that you review our privacy statement or privacy policy from time to time. What is Frank Health Insurance? Manage our ongoing relationship with you. Conduct marketing, research and analysis. For treatment that was covered under the old policy, at the same or higher level than the new policy, waiting periods are no longer than the balance of any unexpired waiting periods for the benefit that applied to the person under the policy. Personal information collected by Frank Health Insurance includes your name, date of birth, address and contact details and may also include your bank account or credit card details. From this date, anyone who joins a hospital cover of a registered health fund will be given a Certified Age at Entry (CAE) status - which represents their age when they first joined a hospital cover after the 1st of July 2000. This is the member area for Frank Health Insurance Members. Frank Health Insurance is brought to you by GMHBA Limited, proud to be a compliant member of the Private Health Insurance Code of Conduct. We’ll keep this page updated with new information as the situation evolves. Extras Claims - When you have Frank extras cover you can use your Frank membership card to claim electronically on-the-spot when this facility is available at your health care provider. Services/treatment rendered by a practitioner not in private practice and/or not recognised by bodies approved by Frank. It is also important that the information you provide is true and correct. Further information about how you may seek to access and/or correct your personal information held by Frank Health Insurance can be found in our Privacy Policy (which you can access as described in the ‘How to access our Privacy Policy’ section). Follow. With social distancing measures in place, it’s important that our members can receive the treatment they need at this time. A family - including a couple and single parent - with a combined taxable income (including any reportable fringe benefits of $1,000 or more) greater than $180,000 (increasing by $1,500 per dependent child, after the first child). Waiving the minimum suspension period so you can reactivate at any time you need. Dental procedures unless tooth identification numbers (ID) are supplied by the provider. cosmetic surgery. From 1 April 2019, insurers can offer a discounted premium on hospital cover of 2% each year you are aged under 30 from when you first purchase hospital insurance. The only test is whether or not, in the 6 months prior to joining your current hospital cover signs and symptoms: A special waiting period applies to obtain benefits for hospital treatment for new members who have pre-existing conditions.

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