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Pros
Frank's Freedom Flexi-Bundle comes with one flexible limit so you have more freedom to claim on your included extras – only a handful of other insurers let you do this.
It's Australia's leading not-for-profitonline-only health fund.
At around $13 a month, Frank Basic Extras policy is among the cheapest policies available on Finder.
Cons
It's all done online – Frank doesn't have any physical stores.
Frank's parent company, GMHBA, received more ombudsman complaints than its market share, more than funds including nib, Bupa and HBF.
Good value Frank policies
These are some great value hospital policies from Frank, including a mid-tier extras policy, a Basic Plus combined policy and a Bronze Plus policy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Frank Health Insurance ranked in third place in the 2023 Customer Satisfaction Awards, gaining an overall score of 4.09/5. 79% of customers surveyed said they would recommend Frank Health Insurance. No one scored higher than Frank when it came to value for money.
Compare prices from 30+ Aussie funds in under 30 seconds.
Frank health insurance complaints
We looked at the 2022 Ombudsman health insurance complaints. Here's how Frank health insurance (which is part of GMHBA) stacked up:
GMHBA's complaints numbers aren't the best. Among Australia's 19 biggest insurers, it had the 13th largest complaint ratio.
While GMHBA had a higher proportion of complaints than its market share, this may not fully represent Frank's customers. For instance, Frank has a high rating on Productreview.com.
This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. Frank is joint thirteenth overall in this ranking. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints.
Why you can trust Finder's health insurance experts
We're free
Our health insurance engine is completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare nearly every health fund in Australia on the site (and find a better deal).
We're here to help
Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
Frank frequently asked questions
Yes, Frank health insurance is a not-for-profit health fund. In fact, Frank is Australia's leading online-only not-for-profit fund.
Yes. If you're planning on visiting or studying in Australia, it's often the case that you need health insurance as part of your visa requirements. Frank's Overseas Visitor Health Insurance (OVHC) is tailored to people applying for or on the 482 Temporary Skill Shortage Visa or 485 Temporary Graduate Visa.
If your healthcare provider offers on-the-spot electronic claiming, all you have to do is swipe your Frank membership card when the time comes to pay your bill. Any benefits you receive will be instantly deducted from the overall cost of your bill. However, if this option is not available you'll need to lodge the claim online through the member area of the Frank website. Alternatively, you can download, print and complete a claim form and return it to Frank.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
Finder is giving away a $200 Mastercard gift card to one Finder member who writes a review that is verified and published on productreview.com.au between 27 November 2023 and 01 January 2024.
Finder is giving away a $250.00 Mastercard Gift Card on the first Monday of each month to one lucky member who checked their credit score in the prior month.
If you’re looking for private health insurance in Victoria, compare the most popular health funds in your state and how much it costs to take out cover.
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finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
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