Frank Health Insurance is a brand of GMHBA, a not-for-profit health fund, and was established in 2009 to provide simple and easy to understand private health insurance for Aussies. It now provides cover for overseas visitors as well; that is, non-Australian citizens and residents who are coming to Australia on the 482 or 485 visa.
As part of your visa requirements, you'll need to have adequate health care in place. Frank's Overseas Visitor Health Cover (OVHC) meets those requirements and sends you your visa compliance letter as soon as you purchase a policy.
To make comparing overseas health insurance even easier, we developed the Finder Score. Factors like price, hospital cover, extras cover, emergency travel, and more are weighted and scaled across 50+ policies from 15+ providers to produce a score out of 10. The higher the score, the more competitive the policy.
Because you're not an Australian citizen or resident – and you are not eligible for reciprocal health care – you won't be entitled to use Australia's public healthcare system, Medicare. As a result, most visas require you to have some form of health insurance to help cover the costs of your medical care in Australia.
Frank's OVHC is specifically tailored to non-Australian residents and meets Department of Home Affairs requirements. It pays a benefit towards inpatient (hospital) services, meaning it will pay a percentage of your hospital bills. This includes:
Even if you are eligible for Medicare with reciprocal health care, having OVHC means you won't have to wait on public hospital waiting lists and you will also have the choice of your own doctor.
You can apply for Frank's OVHC online. A policy will cover you for a year and the application takes around 10 minutes to complete. In order to get your compliance letter straight away, which you need for your visa application, you'll need to make your first payment in advance.
Frank's Minimum Working Visa policy covers visitors coming to Australia on a 482 Skills in Demand Visa (formerly Temporary Skill Shortage) or a 485 Temporary Graduate Visa. Once you purchase a policy, you will have satisfied the 8501 condition of the Department of Home Affairs' working visa requirements.
Frank Health Insurance offers several Overseas Visitor Health Cover policies for working visa holders, including Frank Minimum Working Visa, which provides you with basic hospital cover in Australia. You can take out this policy for one or two people. Some of the services included in this policy are:
For a full breakdown of what's included, make sure you read the product disclosure statement (PDS).
It's worth noting that GP and extras services are not covered. However, you can get extras cover with Frank as well. Extras, sometimes called ancillary services, gives you access to medical care commonly done outside of hospital like dental, optical and physiotherapy.
When you purchase a policy, it doesn't mean you can claim straight away. There are usually waiting periods for specific services. For Frank's Minimum Working Visa, this includes:
If you already have a policy with another health fund and are looking to move to Frank, you probably won't have to re-serve waiting periods.
In most cases, the hospital will electronically bill Frank, though sometimes it is done by mail. After Frank receives the hospital account, it will pay your benefit to the hospital. There might be situations when the hospital does not do electronic billing. If this happens and the doctor gives you a bill, pay it, then fill out a claim form from Frank and email both the bill and the form to Frank. If you paid the account, Frank will reimburse you. Alternatively, it will pay the doctor directly.
Before receiving treatment, be sure to contact Frank for a quote beforehand. This ensures you know exactly how much you're covered for.
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