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Frank health insurance review

Our verdict: Frank health insurance is good if you want affordable cover with some handy extras perks.

4.2 ★★★★★ (84 reviews) Write a review

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-profit online-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.


*Quotes are based on a single individual with less than $93,000 income, $750 excess and living in Sydney.

Frank health insurance: Our verdict

Frank is a modern, transparent insurance company with a clear and easy-to-understand website. It has been around for over 10 years now.

Frank is good if:

  • You want extras cover that gives you more freedom to make claims on what you want.
  • You want an insurer that gives its profits back to its members – Frank is not-for-profit.

Frank is not great if:

  • You aren't comfortable with buying your policy online.
  • You'd prefer to go with one of the higher-placed providers when it comes to complaints

Review by our insurance and innovations editor Gary Ross Hunter

Sign-up deals with Frank health insurance for April 2024

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What types of health insurance does Frank offer?

Name Product Treatments Price Apply Hide Compare
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
$94.39
per month
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +3 other treatments covered
Extras
  • General Dental
  • Major Dental
  • Optical
  • Hearing aids
  • +5 other treatments covered
$109.85
per month
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Name Product Treatments Price Apply Hide Compare
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$79.88
per month
Frank Entry Hospital (Basic+)
Basic Plus$750 excess
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
  • +5 other treatments covered
$82.48
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +14 other treatments covered
$93.71
per month
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +14 other treatments covered
$95.14
per month
Frank Better Hospital (Bronze+)
Bronze Plus$750 excess
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • Dental surgery
  • Eye excluding cataracts
  • Cancer
  • Lung and chest
  • +17 other treatments covered
$107.28
per month
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +22 other treatments covered
$117.08
per month
Frank Max Hospital 750 (Silver+)
Silver Plus$750 excess
  • Lung and chest
  • Back neck and spine
  • Cataracts
  • Joint replacements
  • Blood
  • Dental surgery
  • Palliative care
  • Pregnancy and birth
  • +24 other treatments covered
$169.10
per month
Frank Gold Hospital
Gold$750 excess
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$247.02
per month
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Name Product Treatments Price Apply Hide Compare
Frank Basic Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$14.48
per month
Frank Easy Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$21.34
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$27.10
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$35.40
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$43.12
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$47.61
per month
Frank More Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +5 other treatments covered
$59.33
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$65.67
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +4 other treatments covered
$110.07
per month
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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.

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