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.
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.
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
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.
Frank Health Insurance was a big winner in the 2025 Finder Awards.
Congratulations, Frank Health Insurance!
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