- 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.
Suspending your cover
Things happen. We understand there are circumstances in which you might need to suspend your cover. Never fear. We’re here to help. Just be aware that we can only apply suspensions from the date of contact at the earliest; so we can’t backdate suspensions if you forget to contact us.
Your cover with health.com.au may be suspended for one of two reasons:
- Financial hardship
- Overseas travel
Below explains how each type of suspension works.
Financial hardship suspension
When times are tough, we may be able to assist you with a financial hardship suspension of your cover. This’ll give you a break from premium payment while you get back on track. When you are in a position to resume payment, we’ll reactivate your cover and honour your waiting periods served prior to the suspension.
In order to be eligible for financial hardship suspension you must:
- Hold an active cover with health.com.au for a minimum of 3 months.
- Be unemployed and receiving JobSeeker payments.
With a financial hardship suspension, we can apply this on your cover for a minimum of three months, up to a maximum of 6 months with a lifetime limit of 18 months. You must wait a minimum of 6 months before you can suspend your cover again for this type of suspension.
Overseas travel suspension
We can suspend your cover while you are overseas to give you a break from paying premiums while you’re unable to use your cover. As soon as you return home, we’ll activate your cover and honour any waiting periods served.
In order to be eligible for overseas travel suspension, you must:
- Hold an active cover with health.com.au for a minimum of 3 months
- Be staying overseas for a minimum of two 2 months
We will apply your suspension from your departure date (or the date of contact if you have already left Australia). We can apply a suspension on your cover for a minimum of 2 months, up to a lifetime maximum of 5 years. You must wait a minimum of 6 months before you can suspend your cover again for this type of suspension.
When you return home, you’ll need to drop us a line with a copy of your boarding pass or travel documents clearly showing your return date back into Australia and we’ll activate your cover from that date so that you can resume claiming. You must do this within 30 days of arriving back in Australia.
It’s very important that you do this within 30 days of returning to Australia; otherwise, your waiting periods will not remain honoured, and your cover will have to start fresh upon the day that you contact us again.
*Important note about the Medicare Levy Surcharge: You are not exempt from the Medicare Levy Surcharge while your cover is suspended. If you think this may affect you, please view the above link and/or contact us for further information.
Have you heard the word?
On 1 July 2021, health.com.au will join forces with Frank Health Insurance.
Learn more about the change and what it means for you here.