Finder makes money from featured partners, but editorial opinions are our own.

Frank health insurance review

Frank has some low-cost policies with strong benefits, but might not work for anyone who wants a physical branch or phone line.

4.2 ★★★★★ (84 reviews) Write a review

Our verdict

Pros

  • At around $14 a month, Frank's Basic Extras policy is among the cheapest health insurers available.
  • Extras members can save 15% - 40% off dental treatments with smile.com.au.
  • Frank's Entry Hospital Plus policy came in third place for the basic category in the 2024 Finder Health Insurance Awards.

Cons

  • Frank is fully online so if you'd prefer a physical branch or phone line, it might not be for you.
  • GMHBA, Frank's parent company, doesn't have the strongest track record or complaints.
  • Frank's Gold Hospital cover is around $274 a month, but Medibank and hif are both cheaper.

Frank health insurance

Frank has a range of health insurance policies available. To help find the best health insurance for your needs, be sure to compare many options.

Name Product Treatments Price Apply Hide Compare
Frank Health Insurance logo
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • Eye excluding cataracts
  • Pain management
  • Gynaecology
  • Lung and chest
$79.88
per month
Go to Site
All treatments
Frank Entry Hospital (Basic+)
Basic Plus$750 excess
Frank Health Insurance logo
  • 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
Go to Site
All treatments
Frank Health Insurance logo
  • 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
Go to Site
All treatments
Frank Health Insurance logo
  • 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
Go to Site
All treatments
Frank Better Hospital (Bronze+)
Bronze Plus$750 excess
Frank Health Insurance logo
  • 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
Go to Site
All treatments
Frank Health Insurance logo
  • 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
Go to Site
All treatments
Frank Max Hospital 750 (Silver+)
Silver Plus$750 excess
Frank Health Insurance logo
  • 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
Go to Site
All treatments
Frank Gold Hospital
Gold$750 excess
Frank Health Insurance logo
  • Cataracts
  • Joint replacements
  • Palliative care
  • Pregnancy and birth
  • Sleep studies
  • Weight loss surgery
  • Rehabilitation
  • Insulin pumps
  • +30 other treatments covered
$247.02
per month
Go to Site
All treatments
loading
Name Product Treatments Price Apply Hide Compare
Frank Basic Extras
Extras cover
Frank Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +2 other treatments covered
$14.48
per month
Go to Site
All treatments
Frank Easy Extras
Extras cover
Frank Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +3 other treatments covered
$21.34
per month
Go to Site
All treatments
Frank Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +3 other treatments covered
$27.10
per month
Go to Site
All treatments
Frank Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$35.40
per month
Go to Site
All treatments
Frank Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$43.12
per month
Go to Site
All treatments
Frank Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +6 other treatments covered
$47.61
per month
Go to Site
All treatments
Frank More Extras
Extras cover
Frank Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +8 other treatments covered
$59.33
per month
Go to Site
All treatments
Frank Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +7 other treatments covered
$65.67
per month
Go to Site
All treatments
Frank Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +7 other treatments covered
$110.07
per month
Go to Site
All treatments
loading
Name Product Treatments Price Apply Hide Compare
Frank Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
$94.39
per month
Go to Site
All treatments
Frank Health Insurance logo
Hospital
  • Rehabilitation
  • Joint reconstructions
  • Dental surgery
  • Hernia and appendix
  • +3 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +6 other treatments covered
$109.85
per month
Go to Site
All treatments
loading

How to make a claim

If you're claiming for extras services

Swipe your membership card at the provider (as long as it has a HICAPS machine) and pay the gap if there is any remaining balance on the bill. I

If the provider doesn't have a HICAPS machine, pay the bill in full, keep your receipt, then submit a claim via the app or online member area.

If you're claiming for hospital services

You'll have to pay your excess amount directly to the hospital. Then, the hospital bills Frank for the remainder. In some cases, hospitals charge more than the amount covered by Frank, and you'll have to pay the difference, on top of your excess. This is called the gap amount.
For medical services within a hospital, your doctor or specialist may bill Frank and Medicare directly, and then they will send you a bill or any out-of-pocket expenses.

If the doctor sends you the entire bill, you will need to submit the claim through Medicare using 'two-way' claiming for Frank and Medicare to pay benefits.

If you need any help, you can email frank@frankhealthinsurance.com.au

Complaints info

Frank is owned by GMHBA, which has a reasonable track record for complaints. GMHBA has 2.2% of market share but only accounted for 1.9% of all complaints received by the Commonwealth Ombudsman's Office. However, it did account for 2.7% of all complaints investigated by the Office.

Sign-up deals with Frank health insurance for July 2024

Name Product

Get up to 12 weeks free

Ends 15 July 2024

Plus, skip 2 & 6 months waits on extras when joining combined cover by 15 July. T&Cs apply.

loading

Why you can trust Finder's health insurance experts

freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
expert adviceYou save time. We spend 100s of hours researching health insurance so you can sort the gold from the junk faster.
independentYou can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.

FAQs

Nicola Middlemiss's headshot
Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 238 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance

More guides on Finder

  • Is health insurance tax deductible?

    What is the LHC loading, the MLS and the Private Health Rebate? These terms could make the difference between whether or not you can afford your private health premiums in the future.

  • Australian Unity health insurance review

    Looking for health cover but aren't sure which policy is best? This article looks at Australian Unity's health insurance options and helps you decide whether any of its policies are what you need.

  • 2024 Health Insurance Statistics

    We looked at the statistics to see whether Australians really are ditching their private health insurance.

  • NT Health Insurance

    Read our guide to health insurance and health funds specific to residents of the Northern Territory.

  • Health Insurance South Australia

    Read our guide to health insurance for people living in South Australia.

  • Health Insurance Tasmania

    Guide to finding health insurance for those living in Tasmania.

  • Health Insurance Victoria

    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.

  • Health Insurance Queensland

    Start your search today to find a Queensland health fund that offers value for money and the cover you need.

  • NSW Health Insurance

    Guide to travel insurance for residents of New South Wales.

  • Health Insurance WA

    Check out our list of the most popular health funds in WA and see how private health cover costs in WA compare with  the rest of the country.

Go to site