Frank health insurance review

Hospital coverage

• Basic Hospital 500 (basic+). This is a public hospital policy that provides benefits as a private patient in a public hospital for all procedures or services except insulin pumps, weight loss surgery and dialysis for chronic kidney failure. Ideal for fit, young and healthy people.
• Basic Hospital Plus (Basic+). This policy provides benefits as a private patient in a public hospital for a range of procedures as well as some benefits as a private patient in a private hospital.
• Private Hospital (Bronze). The first Bronze policy, this policy provides affordable cover in a private hospital for some of the more basic treatments.
• Better Hospital (Bronze+). Like Bronze – cover includes the 18 clinical categories required for a Bronze rating – as well as things like medically necessary plastic and reconstructive surgery.
• Silver Hospital (Silver). Get some of the perks of private health care without a premium price tag. Silver hospital gives you access to a range of hospital treatments while excluding some such as pregnancy and sleep studies, to help keep costs down.
• Max Hospital (Silver+). If you want peace of mind, this policy gives you a great balance of value and comprehensive cover. With no pregnancy cover, it's ideal if you are a completed family or don't plan to have children.
• Top Hospital (Silver+). The most comprehensive option, this product covers the 26 clinical categories required for a Silver rating as well as birth and pregnancy services, helping towards things like theatre surgery costs as well as shared or private room accommodation charges in a private hospital.

Extras coverage

• Simple Extras. From $6.40 per week, simple extras gives you the same amount back in your pocket every time you visit, up to your annual limits. Plus, you can get 100% back on optical up to your annual limit.
• Some Extras. From $7.35 per week, Some Extras covers popular extras like dental, optical and the occasional alternative therapy with your choice of either 50% or 80% back.
• Everyday Extras. From $9.90 per week, Everyday Extras covers the basics as well as services like health maintenance. You can also choose your own provider and get the same amount back each visit, up to annual limits.
• More Extras. From $13.50 per week, More Extras gives you access to services including health maintenance benefits, orthodontics, podiatry and more. You can also choose your own provider and get the same amount back each visit, up to annual limits.
• Lots Extras. From $13.70 per week, Lots Extras gives you head to toe coverage – ideal for those who like to take good care of themselves. It also comes with your choice of either 50% or 80% back.

Combined coverage

• The Essentials Bundle (Silver). Packed into 1 convenient package, this bundle gives you a range of extras services to help keep yourself fit and healthy, as well as all the hospital services you get with a Silver rated service. It also includes benefits for several procedures in a private hospital, gives you 60% back on popular extras and has some exclusions to help you keep costs down.
• Freedom Starter Flexi-Bundle (Basic). This budget option policy costs around $20 a week and covers you for accidents only in a private hospital. It also comes with emergency ambulance transportation and you have the freedom to spend on the extras you like, including general and preventative dental, chiro, physio and dietetics. The longer you hold a policy, the more you get.
• Freedom Saver Flexi-Bundle (Basic+). Another budget offering from Frank, this one comes with a few hospital treatments including tonsils, adenoids and grommets, joint reconstructions, hernia and appendix, gynaecology and miscarriage, termination of pregnancy and dental surgery. You also get plenty of extras including 100% back on optical with its own limit.