- Frank + health.com.au
- How do I check my limits?
- Cover review
- Updating your details
- What am I covered for?
- Coronavirus FAQ's
- How we're supporting you during coronavirus
- The value of private health insurance in a pandemic
- Adding or removing people from your account
- Authorising another person on your cover
- Pre-existing conditions
- Suspending your cover
- Waiting periods explained
- Private health insurance reforms
- Gap in cover
- Ambulance explained
- Ante/Post Natal Services
- Dental Explained
- Extras limits explained
- Health Appliances
- Health Screening
- HICAPS & HealthPoint explained
- How does extras cover work?
- Natural Therapies
- Non PBS prescriptions
- Optical explained
- Set Benefits FAQ
- Telehealth Benefits
- Travel vaccines
- What is health maintenance?
- Emergency Department Fees
- Going to Hospital
- Hospital Added Costs
- Insulin Pumps
- IVF & assisted reproductive services
- LHC exemptions
- Public vs. Private
- Restrictions & Exclusions
- Understanding out of pockets
- What is an excess?
- What is LHC?
- What is the MBS?
- Where does Medicare fit in?
- Transcranial Magnetic Stimulation (TMS) Pilot
- Mental Health Waiver
- Entry Hospital
- Annual premium review
- Can I lock in my premium?
- I can’t use my cover like I used to...
- What if my cover is currently suspended?
- Where do my premiums go?
- Why does my premium change every year?
- Why does my premium change, if I rarely make claims?
- Why is my price change different to the national average percentage?
- 3 ways to save money on your health insurance.
Financial hardship policy
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.
Our customer service team can help to discuss suitable options for you and your situation.
If I want to suspend my cover because of financial stress, can I still make a claim?
As with any other type of suspension, you won’t be able to claim benefits while your cover is suspended.
I have a student dependent that has just come off my policy. What are the options for them if they can’t afford their own cover right now?
Student dependants who require their own cover but are unable to afford it at this time will still be able to take out their own cover. health.com.au can then apply a hardship suspension straight away. A minimum of one-day premium payment is required. We’ll also waive the minimum suspension period, so they’re able to reactivate at any time.
What if I have a pre-booked hospital admission or ongoing hospital treatment?
If you have a pre-booked hospital admission or ongoing hospital treatment, we’d recommend checking in with your doctor and hospital before your admission, to make sure you have the most up-to-date information.
Should I keep my cover?
If you’re wondering if it’s worthwhile keeping your private health insurance right now, we’ve broken down some options and things to keep in mind based on the type of cover you currently have.
Private hospital cover is complicated, and there’s more to it than just elective surgery. If you are able to, maintaining your private hospital cover is always a good idea, even at a time like this. Due to previous elective surgery caps, there may be a greater backlog in the public system.
Lifetime Health Cover (LHC) loading allows you to drop private hospital cover for a maximum of 1,094 days in your lifetime without incurring a LHC loading penalty. If you decide to suspend your hospital policy instead of cancel, your LHC loading won’t be impacted.
However, there can be tax implications to dropping private hospital cover. If you earn more than $90,000 (single) or $180,000 (family, couple) cancelling your private health insurance hospital cover could mean paying extra tax. It really depends on your individual circumstances, so getting some independent financial advice is always a good idea. An alternative option is to either suspend your cover or temporarily change to a lower cover to reduce your premium.
If this is something that might affect you, it’s always a good idea to seek independent financial advice. You can also read up on Australian Government Surcharges & Incentives to get a better understanding.
If paying your premium is just not an option at the moment, we understand. Get in touch with our customer service team and we’ll take a look at the best cover suspension option for you. Please note that you won’t be able to make any claims while your policy is suspended.
Extras limits are per calendar year and you have until Dec 31st to use your limits.
Cancelling extras cover now (not just suspending) means that you would need to re-serve waiting periods (ie Major Dental has a 12 month waiting period) should you decide to sign up for Extras cover again in the future with us or any other private health insurer (unless they specifically waive your waits).
Have you heard the word?
On 1 July 2021, health.com.au will join forces with Frank Health Insurance.
Learn more about the upcoming cover changes here.