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Frank Health Insurance
Frank Health Insurance
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Frank Basic Hospital & Frank Lots Extras 50%

N.I.B. Health Funds Limited
N.I.B. Health Funds Limited
$ 238 .75 /month
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Frank Health Insurance
Frank Health Insurance
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FIT Health Insurance
FIT Health Insurance
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CUA Health Limited
CUA Health Limited
$ 256 .35 /month
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Private Hospital 65% + Extras

Hospital Cover

Excess Per Admission
Excess Per Person (per year)
Excess Per Policy (per year)
Excess Waiver
Co-payment

Accommodation

Ambulance

Waiting Period

?

Waiting Period
Benefit Limitation Period

?

Waiting Period
Benefit Limitation Period

?

Waiting Period
Benefit Limitation Period

?

Waiting Period
Benefit Limitation Period

?

Waiting Period
Benefit Limitation Period

?

Waiting Period
Benefit Limitation Period

?

Waiting Period
Benefit Limitation Period

?

Waiting Period
Benefit Limitation Period

?

Waiting Period
Benefit Limitation Period

?

Waiting Period
Benefit Limitation Period

?

Waiting Period
Benefit Limitation Period

?

Waiting Period
Benefit Limitation Period

?

Waiting Period
Benefit Limitation Period

?

Waiting Period
Benefit Limitation Period

Pre Existing Waiting Period

Gap Cover

Other Restrictions

500
500
1000
None
None
Public
No

None

Covered

2 months

None

Covered

2 months

None

Covered

12 months

None

Covered

2 months

None

NotCovered

-

None

NotCovered

-

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

12 months
Yes
None
250
-
1000
None
None
Private
Full

1 day

Restricted

2 months

None

NotCovered

-

None

NotCovered

-

None

NotCovered

-

None

NotCovered

-

None

NotCovered

-

None

Restricted

2 months

None

Restricted

2 months

None

Restricted

2 months

None

Restricted

2 months

None

Restricted

2 months

None

NotCovered

-

None

NotCovered

-

None

NotCovered

-

None

12 months
Yes
None
500
500
1000
None
Limited
Private
No

None

Covered

2 months

None

NotCovered

-

None

NotCovered

-

None

NotCovered

-

None

NotCovered

-

None

NotCovered

-

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Limited

2 months

24 months

Covered

2 months

None

NotCovered

-

None

NotCovered

-

None

NotCovered

-

None

12 months
Yes
None
500
500
1000
None
None
Public
Full

None

Covered

2 months

None

NotCovered

-

None

NotCovered

-

None

NotCovered

-

None

NotCovered

-

None

NotCovered

-

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

NotCovered

-

None

NotCovered

-

None

NotCovered

-

None

12 months
Yes
None
-
-
-
None
None
Private 65%
Full

None

Covered

2 months

None

Covered

2 months

None

Covered

12 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

Covered

2 months

None

12 months
Yes
None

Extras Cover

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Periodic oral examination
Scale & clean
Fluoride treatment
Surgical tooth extraction

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Surgical tooth extraction
Full crown veneered

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Filling of one root canal

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Braces for upper & lower teeth, including removal plus fitting of retainer

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Per eligible prescription

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Initial visit
Subsequent visit

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Initial visit
Subsequent visit

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Initial visit
Subsequent visit

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Initial visit
Subsequent visit

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Initial visit
Subsequent visit

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Initial visit
Subsequent visit

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Initial visit
Subsequent visit

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Per hearing aid

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Per monitor

?

Waiting Period
Combined limit with:
Per Person
Per Service
Per Policy
Sub Limits?
Annual Limit?
Lifetime Limit
Service Limit
Single vision lenses & frames
Multi-focal lenses & frames

Ambulance

General Dental

2 months
4 services
2000
-
4000
-
Yes
-
50%
50%
50%
-

Major Dental

12 months
4 services
2000
-
4000
-
Yes
-
50%
$300

Endodontic (tooth extraction)

12 months
4 services
2000
-
4000
-
Yes
-
50%

Orthodontic (braces)

12 months
4 services
2000
-
4000
-
Yes
-
$450

Pharmaceuticals not covered by Medicare

2 months
Non Pbs
100
50
200
-
Yes
-
50%

Physiotherapy

2 months
Physiotherapy
400
-
800
-
Yes
-
50%
50%

Chiropractic

2 months
Chiropractic
400
-
800
-
Yes
-
50%
50%

Podiatry

2 months
Podiatry
400
-
800
-
Yes
-
50%
50%

Psychology

2 months
Psychology
400
-
800
-
Yes
-
50%
50%

Acupuncture

2 months
3 services
400
-
800
-
Yes
-
50%
50%

Natural Therapies (eg. Naturopathy, Homeopathy, Chinese Medicine)

2 months
3 services
400
-
800
-
Yes
-
50%
50%

Massage

2 months
3 services
400
-
800
-
Yes
-
50%
50%

Hearing Aids

None
-
-
-
-
-
-
-
-

Glucose Monitor

None
-
-
-
-
-
-
-
-

Optical

6 months
Optical
250
-
500
-
Yes
-
50%
50%
No

General Dental

2 months
4 services
500
-
2000
-
Yes
-
50%
50%
50%
-

Major Dental

12 months
4 services
500
-
2000
-
Yes
-
50%
50%

Endodontic (tooth extraction)

12 months
4 services
500
-
2000
-
Yes
-
50%

Orthodontic (braces)

12 months
4 services
500
-
2000
-
Yes
-
50%

Pharmaceuticals not covered by Medicare

2 months
Non Pbs
100
-
400
-
Yes
-
50%

Physiotherapy

2 months
2 services
300
-
1200
-
Yes
-
50%
50%

Chiropractic

2 months
2 services
300
-
1200
-
Yes
-
50%
50%

Podiatry

2 months
4 services
200
-
800
-
Yes
-
50%
50%

Psychology

None
-
-
-
-
-
-
-
-
-

Acupuncture

2 months
4 services
200
-
800
-
Yes
-
50%
50%

Natural Therapies (eg. Naturopathy, Homeopathy, Chinese Medicine)

2 months
4 services
200
-
800
-
Yes
-
50%
50%

Massage

2 months
4 services
200
-
800
-
Yes
-
50%
50%

Hearing Aids

None
-
-
-
-
-
-
-
-

Glucose Monitor

None
-
-
-
-
-
-
-
-

Optical

6 months
Optical
220
-
880
-
Yes
-
50%
50%
See Above

General Dental

2 months
4 services
500
-
1000
-
Yes
-
50%
50%
50%
-

Major Dental

12 months
4 services
500
-
1000
-
Yes
-
50%
$225

Endodontic (tooth extraction)

12 months
4 services
500
-
1000
-
Yes
-
50%

Orthodontic (braces)

12 months
4 services
500
-
1000
-
Yes
-
$300

Pharmaceuticals not covered by Medicare

None
-
-
-
-
-
-
-
-

Physiotherapy

2 months
5 services
400
-
800
-
Yes
-
50%
50%

Chiropractic

2 months
5 services
400
-
800
-
Yes
-
50%
50%

Podiatry

None
-
-
-
-
-
-
-
-
-

Psychology

None
-
-
-
-
-
-
-
-
-

Acupuncture

2 months
5 services
400
-
800
-
Yes
-
50%
50%

Natural Therapies (eg. Naturopathy, Homeopathy, Chinese Medicine)

2 months
5 services
400
-
800
-
Yes
-
50%
50%

Massage

2 months
5 services
400
-
800
-
Yes
-
50%
50%

Hearing Aids

None
-
-
-
-
-
-
-
-

Glucose Monitor

None
-
-
-
-
-
-
-
-

Optical

6 months
Optical
120
-
240
-
Yes
-
50%
50%
No

General Dental

2 months
4 services
1000
-
-
-
Yes
-
$39
$84
$31
-

Major Dental

12 months
4 services
1000
-
-
-
Yes
-
$83
$225

Endodontic (tooth extraction)

12 months
4 services
1000
-
-
-
Yes
-
$60

Orthodontic (braces)

12 months
4 services
1000
-
-
-
Yes
-
$300

Pharmaceuticals not covered by Medicare

None
-
-
-
-
-
-
-
-

Physiotherapy

2 months
Physiotherapy
400
-
800
-
Yes
-
50%
50%

Chiropractic

2 months
3 services
400
-
800
-
Yes
-
50%
50%

Podiatry

2 months
3 services
400
-
800
-
Yes
-
50%
50%

Psychology

2 months
Psychology
200
-
400
-
Yes
-
50%
50%

Acupuncture

2 months
2 services
200
-
400
-
Yes
-
50%
50%

Natural Therapies (eg. Naturopathy, Homeopathy, Chinese Medicine)

2 months
2 services
200
-
400
-
Yes
-
50%
50%

Massage

2 months
3 services
400
-
800
-
Yes
-
50%
50%

Hearing Aids

None
-
-
-
-
-
-
-
-

Glucose Monitor

None
-
-
-
-
-
-
-
-

Optical

6 months
Optical
250
-
500
-
Yes
-
50%
50%
No

General Dental

2 months
3 services
1000
-
-
-
Yes
-
$26
$52
$18
$124

Major Dental

12 months
3 services
1000
-
-
-
Yes
-
-
$760

Endodontic (tooth extraction)

12 months
3 services
1000
-
-
-
Yes
-
$140

Orthodontic (braces)

12 months
Orthodontic
400
-
-
-
Yes
1500
-
100%

Pharmaceuticals not covered by Medicare

2 months
Non Pbs
300
-
-
-
Yes
-
$25

Physiotherapy

2 months
Physiotherapy
440
-
-
-
Yes
-
$34
$29

Chiropractic

2 months
4 services
250
-
500
-
Yes
-
$33
$23

Podiatry

2 months
2 services
250
-
-
-
Yes
-
$31
$25

Psychology

2 months
2 services
250
-
-
-
Yes
-
$67
$53

Acupuncture

2 months
4 services
250
-
500
-
Yes
-
$33
$23

Natural Therapies (eg. Naturopathy, Homeopathy, Chinese Medicine)

2 months
4 services
250
-
500
-
Yes
-
$33
$23

Massage

2 months
4 services
250
-
500
-
Yes
-
$23
$23

Hearing Aids

12 months
Hearing Aids
-
500
-
-
Yes
2 every 3 years
$500

Glucose Monitor

12 months
Glucose Monitor
400
-
-
-
Yes
1 every 3 years
60%

Optical

6 months
Optical
200
-
-
-
Yes
-
100%
100%
Full

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