Compare simple and affordable health insurance from Frank Health Insurance.
Private health insurance is designed to give you the freedom of choice when it comes to managing your own wellbeing and also reduce the financial impact of medical expenses. Frank Health Insurance was established in 2009 and is owned by GMHBA, a company established in Geelong more than 75 years ago.
Frank prides itself on offering simple and uncomplicated policies to take the confusion out of health cover, and it provides a wealth of policy options to cover a wide selection of medical services and treatments.
What policies are available from Frank Health Insurance?
In terms of hospital cover, Frank Health Insurance offers three options to its members: Basic Hospital, Better Hospital and Best Hospital. As their names suggest, these options offer varying levels of benefits from essential cover right through to comprehensive protection. The Basic Hospital option is also available with some private cover, while there’s also a no-pregnancy-cover option for Best Hospital Cover.
These hospital cover options can be taken out as standalone cover or paired with Some Extras or Lots Extras Cover. Some Extras offers basic cover for things like dental, optical and physio, while Lots Extras covers a wider range of treatments and increased benefit limits.
| Policy | Best Hospital (No Pregnancy) | Best Hospital | Better Hospital | Basic Hospital | Basic Hospital With Some Private Cover |
|---|---|---|---|---|---|
| Option to add More Gap cover | yes | yes | no | no | no |
| Admission excess per person | Singles: $500 per year Couples & families: $500 per person up to $1,000 per family, per year | Singles: $500 per year Couples & families: $500 per person up to $1,000 per family, per year | Singles: $500 per year Couples & families: $500 per person up to $1,000 per family, per year | Singles: $500 per year Couples & families: $500 per person up to $1,000 per family, per year | Singles: $500 per year Couples & families: $500 per person up to $1,000 per family, per year |
| Public hospital accommodation | yes | yes | yes | yes | yes |
| Private hospital accommodation | yes | yes | yes | no | Select services only |
| Shared room | yes | yes | yes | yes | yes |
| Private room | yes | yes | Co-payment applies | no | Select services only |
| Cataract surgery | yes | yes | no | yes | yes |
| Pregnancy (obstetrics childbirth services) | no | yes | no | yes | yes |
| IVF and related services | no | yes | no | yes | yes |
| Gastric banding and all obesity surgeries (for weight loss) | yes | yes | no | no | no |
| Joint replacement (e.g. hip) | yes | yes | no | yes | yes |
| Renal dialysis (for kidney disorders - per treatment) | yes | yes | no | no | no |
| Cosmetic surgery that isn't medically necessary | no | no | no | no | no |
| Dental implants (performed in hospital) | yes | yes | no | yes | yes |
| Best Doctors | yes | yes | yes | yes | yes |
| Remedy Support Services | yes | yes | yes | yes | yes |
| Policy | Annual Overall limit | Waiting period |
|---|---|---|
| Service | ||
| Ambulance subscription (VIC, SA, WA and NT only) | 1 per year | 0 months |
| General dental | $2,000 | 2 months |
| Major Dental | $2,000 | 12 months |
| Orthodontic treatment | $2,000 | 12 months |
| Optical | $250 | 6 months |
| Physiotherapy/Hydrotherapy/Myotherapy (combined) | $400 | 2 months |
| Chiropractor/Osteopath (combined) | $400 | 2 months |
| Naturopathy, Homeopathy, Acupuncture and Remedial Massage (combined) | $400 | 2 months |
| Podiatry | $400 | 2 months |
| Psychology | $400 | 2 months |
| Travel vaccinations | $100 | 2 months |
| Antenatal and Postnatal classes | $350 | 2 months |
| Policy | Singles Cover | Singles Cover |
|---|---|---|
| Service | Annual Overall limit | Waiting period |
| Ambulance subscription (VIC, SA, WA and NT only) | 1 per year | 0 months |
| General dental | $500 | 2 months |
| Major Dental | $500 | 12 months |
| Orthodontic treatment | $500 | 12 months |
| Optical | $120 | 6 months |
| Physiotherapy / Hydrotherapy / Myotherapy / Chiropractor/Osteopath / Naturopathy / Homeopathy / Acupuncture and Remedial Massage (combined) | $400 | 2 months |
What can't you claim on your private health insurance with Frank?
Your Frank Health Insurance claim will not be paid if:
- You can claim damages or compensation from someone else.
- It is for a treatment you can get for free from the government.
- It is for treatment you received more than one year ago.
- It is for services not covered by your membership.
- Your membership is suspended.
- It is for hired medical equipment, for example crutches.
- It is for treatment provided by someone who is related to you or who is your business partner.
- It is for treatment received overseas.
- It is for drugs you purchase from a chemist.
- You are not treated by someone working in a private practice for a registered hospital or another organisation recognised by Frank.
- It is for more than you were charged for a treatment.
How is Frank Health Insurance going to cost you?
The following factors will affect the cost of your Frank Health Insurance premium:
- The level of cover you select. Basic hospital and extras cover will always be more affordable that comprehensive cover.
- If you combine cover. Combining hospital and extras cover into one policy will cost you more than if you take out just hospital cover.
- The amount of people you insure. Policies are available for singles, couples and families.
- How old you are. If you’re 31 or older, you will have to pay an additional premium under the government’s Lifetime Health Cover scheme.
- Your income. The amount you earn each year has an impact on your eligibility for a private health insurance rebate. These range from 10% to 40%
- Your excess. Choosing a higher excess means you can pay lower premiums.
How do you claim on your cover with Frank?
If your health care 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.
If this option is not available, however, you’ll need to lodge the claim online through the member area of the Frank Health Insurance website. Alternatively, you can also download, print and complete a claim form and then return it to Frank.
Back to topStill have questions? FAQ about health cover from Frank
What is an ‘inpatient’?
An inpatient is someone who is admitted to hospital and then stays there overnight.
How long does it take to receive money from online claims?
Benefits from online claims will be paid into your account within one to two business days.
Which providers can I see under my extras cover?
As Frank Health Insurance doesn’t have a list of preferred providers, you can visit any provider that is registered, works in a practice and isn’t related to you.
When do my benefit limits reset?
Your benefit limits reset at the start of each calendar year on January 1.
Where can I find my private health insurance tax statement?
You can find this by logging into the Frank Health Insurance member area and clicking on ‘View my tax statement’.
Is there an option for overseas visitors?
People in Australia on a temporary visitor’s visa are eligible for Frank Overseas Visitor Health Cover. This offers basic, affordable cover for things like public and private hospital treatment, emergency ambulance, in-hospital specialist services and medical repatriation. Contact Frank Health Insurance for more details.
Are there any additional benefits?
Frank Health Insurance customers can also take advantage of the following range of benefits:
- A cash bonus when you refer a friend to Frank.
- A range of exclusive offers and deals on ski holidays to Mt Buller
- A range of ever-changing special offers, for example waived waiting periods on certain covers.
