Frank Health Insurance

Compare health insurance options from Frank Health Fund and find something suitable for your situation

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. does not currently have access to this health insurance brand. You may wish to compare options available on the health insurance homepage.

Frank Health Insurance Cover Options

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.

Frank Health Insurance Levels of Cover

  • Basic Hospital. This entry-level option offers basic cover for a private patient in a public hospital, including cataract surgery, pregnancy, IVF, joint replacement and dental implants. As mentioned, this option is also available with some private hospital cover for common procedures (appendix removal, hernia repair etc.) if you’re willing to pay an extra fee.
  • Better Hospital. This mid-level option combines the benefits of private health cover without the pain of a premium price tag. Covering public hospital accommodation and a shared room in a private hospital (and partial coverage for a single room in a private hospital), and covers all medically necessary inpatient services except things like pregnancy, gastric banding and joint replacement.
  • Best Hospital. Best Hospital Cover from Frank Health Insurance offers comprehensive protection for members. It covers you for a private room in a private hospital and includes cover for cataract surgery, pregnancy, IVF, gastric banding and much more. A Best Hospital policy without any pregnancy cover is also available.
  • Some Extras. Choose between 50% and 80% back on common treatments like optical, dental, physio and physio.
  • Lots Extras. Choose between 50% and 80% back and take advantage of more generous benefit limits with this option. Cover is also included for things like podiatry, psychology and travel vaccinations.
PolicyBest Hospital (No Pregnancy)Best HospitalBetter HospitalBasic HospitalBasic Hospital With Some Private Cover
Option to add More Gap coveryesyesnonono
Admission excess per personSingles: $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 yearSingles: $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 accommodationyesyesyesyesyes
Private hospital accommodationyesyesyesnoSelect services only
Shared roomyesyesyesyesyes
Private roomyesyesCo-payment appliesnoSelect services only
Cataract surgeryyesyesnoyesyes
Pregnancy (obstetrics childbirth services)noyesnoyesyes
IVF and related servicesnoyesnoyesyes
Gastric banding and all obesity surgeries (for weight loss)yesyesnonono
Joint replacement (e.g. hip)yesyesnoyesyes
Renal dialysis (for kidney disorders - per treatment)yesyesnonono
Cosmetic surgery that isn't medically necessarynonononono
Dental implants (performed in hospital)yesyesnoyesyes
Best Doctorsyesyesyesyesyes
Remedy Support Servicesyesyesyesyesyes
SinglesSinglesSingles/Couples and Single Parents CoverSingles/Couples and Single Parents Cover
Annual Overall limitWaiting periodAnnual Overall limitWaiting period
Ambulance subscription (VIC, SA, WA and NT only)1 per year0 months1 per year0 months
- General dental$2,0002 months$2,000 per person $4,000 per policy2 months
- Major Dental$2,00012 months$2,000 per person $4,000 per policy12 months
- Orthodontic treatment$2,00012 months$2,000 per person $4,000 per policy12 months
Optical$2506 months$250 per person $500 per policy6 months
Physiotherapy/Hydrotherapy/Myotherapy (combined)$4002 months$400 per person $800 per policy2 months
Chiropractor/Osteopath (combined)$4002 months$400 per person $800 per policy2 months
Naturopathy, Homeopathy, Acupuncture and Remedial Massage (combined)$4002 months$400 per person $800 per policy2 months
Podiatry$4002 months$400 per person $800 per policy2 months
Psychology$4002 months$400 per person $800 per policy2 months
Travel vaccinations$1002 months$100 per person $200 per policy2 months
Antenatal and Postnatal classes$3502 months$350 per person2 months
PolicySingles CoverSingles CoverCouples/Family and Single ParentCouples/Family and Single Parent
ServiceAnnual Overall limitWaiting periodAnnual Overall limitWaiting period
Ambulance subscription (VIC, SA, WA and NT only)1 per year0 months1 per year0 months
- General dental$5002 months$500 per person $1,000 per policy2 months
- Major Dental$50012 months$500 per person $1,000 per policy12 months
- Orthodontic treatment$50012 months$500 per person $1,000 per policy6 months
Optical$1206 months$120 per person $240 per policy2 months
Physiotherapy / Hydrotherapy / Myotherapy / Chiropractor/Osteopath / Naturopathy / Homeopathy / Acupuncture and Remedial Massage (combined)$4002 months$400 per person $800 per policy2 months
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General Exclusions

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.


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How much does Frank Health Insurance Cost?

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.


Frank Health Insurance Excess

You may need to pay an excess when you are admitted to hospital – this is the price you pay to be allowed lower membership costs. Once you pay the excess, the hospital will bill Frank Health Insurance for the rest of your hospital costs.

All of Frank’s hospital cover options include an excess, and the maximum amount you’ll have to pay for a singles policy each year is $500. This figure rises to $1,000 for couples and families policies.

How to save on your Frank Health Insurance policy

  • Choose a higher excess. The higher the excess you pay when you make a claim, the lower the cost of your premiums.
  • Choose a lower level of cover. The higher the level of cover, the more you’ll have to pay to access its benefits and features.
  • Choose standalone cover. Hospital cover on its own will be much more affordable than combined hospital and extras cover – just make sure you know exactly what is included in cover.
  • Avoid extra premium costs. Signing up or cover in your 20s will mean you avoid an extra premium loading under the Lifetime Health Cover Scheme.


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Making a claim

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.

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An inpatient is someone who is admitted to hospital and then stays there overnight.

Benefits from online claims will be paid into your account within one to two business days.

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.

Your benefit limits reset at the start of each calendar year on January 1.

You can find this by logging into the Frank Health Insurance member area and clicking on ‘View my tax statement’.

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.

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.


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