Covering the whole family
Why do I need family cover?
You don’t ever wish a hospital trip on your partner or kids, but you do want peace of mind protection against any type of illness or accident if it knocks at your door. On top of Hospital Cover, you can help you stay on top of your family’s health by treating and preventing medical conditions through extras services.
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Emergency ambulance
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Plastic and reconstructive surgery (medically necessary)
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Heart & vascular system
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$500 to claim on dental - sublimits apply
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$400 combined limit to claim on physio
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Up to $120 back on optical
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Emergency ambulance
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Plastic and reconstructive surgery (medically necessary)
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Heart & vascular system
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$500 to claim on dental - sublimits apply
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$400 combined limit to claim on physio
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Up to $120 back on optical
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Emergency ambulance
-
Plastic and reconstructive surgery (medically necessary)
-
Heart & vascular system
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$2000 to claim on dental - sublimits apply
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Up to $250 back on optical
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$400 combined limit to claim on physio
* The price shown is per week and applies to a Family, aged 30, living in VIC. It excludes LHC loading and includes a Base Tier Government Rebate
| Extras services (when included on cover) |
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| All extras benefits except as specified below. Waiting Period: 2 Months |
| Optical, home and domestic aids and medical aids. Waiting Period: 6 months |
| Major dental services (including full & partial dentures, orthodontics, crown & bridgework, endodontic services such as root canal, gold fillings, indirect restorations, surgical extractions of a tooth/teeth including wisdom teeth). Waiting Period: 12 Months |
| Health appliances including nebuliser pump, blood glucose monitor, pressure garments, sleep apnoea monitor, extremity pump, hearing aids, orthopaedic appliances (GMHBA approved), prostheses (GMHBA approved non-surgical), tens monitor, podiatry surgical procedures and orthotic appliances (foot). Waiting Period: 12 Months |
| Hospital services (when included on cover) |
|---|
| Accidents - bodily injuries resulting from accidents which occur after the date of joining GMHBA or upgrading to a higher cover. Waiting Period: No |
| Obstetrics and maternity. Waiting Period: 12 months |
| Pre-existing ailment, illness or condition (other than psychiatric, rehabilitation and palliative care). Waiting Period: 12 months |
| Any other benefit for hospital (or hospital substitution) treatment. Waiting Period: 2 months |
A pre-existing condition is one where signs or symptoms of your ailment, illness or condition, in the opinion of a medical practitioner appointed by GMHBA (not your own doctor), existed at any time during the six months preceding the day on which you purchased your hospital insurance or upgraded to a higher level of hospital cover and/or benefit entitlement.
A special waiting period applies to obtain benefits for hospital treatment for new members who have pre-existing conditions. The waiting period also applies to existing members who have recently upgraded their level of hospital cover. If the ailment, illness or condition is considered pre-existing:
New members
New members must wait 12 months for any hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (transferring or upgrading)
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).
Existing members (with at least 12 months membership)
Existing members with at least 12 months membership in total across their old and new cover are entitled to the lower benefits on their old cover.
Silver Hospital cover provides the same single room coverage as Gold Hospital, but co-payments of $100 per day up to a maximum of $700 per admission apply. Co-payments are not the same as hospital excess. Please note: Some private hospitals only have single rooms and co-payments will apply.
Co-payments do not apply.
What Frank cover is best for me?
Silver Hospital (Silver) is great for young families who aren't planning on upping the kid count or who use the public system for pregnancy.
Silver Hospital (Silver) includes hospital cover lots of services but excludes things that might not be important to a young family like obstetrics, IVF, weight loss surgery and joint replacements to help keep the costs down.
Silver Hospital (Silver) choose the extras that will suit your family, between set benefits or percentage back covers. With 60% back and per person limits, the Essentials Bundle is great value for your young family.
Check out Frank’s options for young families.
If you are looking for cover that helps you plan for pregnancy, check out Frank’s Gold Hospital (Gold).
6 weeks free + skip 2 & 6 month waits on extras* when joining on combined cover by 8 December.
*For new members who have not been a member during the last 12 months, joining on combined hospital and extras cover, paying by direct debit. Must pay first month to receive offer. Other waits (including hospital waits), annual and sub limits apply. Extras claims made with a previous fund count towards annual limits. Offer only available via Frank website or phone joins. Not available with any other offer or Frank OVHC. Offer ends 8th December 2025.
