Health Insurance Review

Our verdict: merged with Frank on 1 July 2021. Find out how both funds compare, what they offer and how many complaints they get.

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  • Frank is Australia's leading not-for-profit online health fund.
  • At around $13 a month, Frank Basic Extras policy is among the cheapest policies available on Finder.
  • It's all done online.


  • New customers won't be able to access policies.
  • Both Frank and have received more ombudsman complaints than its market share.

Good value policies

Since you can no longer get policies from, here are some good value Frank health insurance policies.

These are some of the best value hospital policies from Frank, including a Mid-tier Extras policy, a Basic Plus combined policy and a Bronze Plus policy.

*Quotes are based on a single individual with less than $90,000 income, $750 excess and living in Sydney. health insurance: Our verdict is a not-for-profit fund that's recently merged with Frank. Both are relatively new, online-only funds known for their affordable health insurance policies.

Frank is good if:

  • You want extras cover with flexible limits.
  • You want a not-for-profit insurer that gives its profits back to its members.

Frank is not great if:

  • You want cover for everything – they don't offer Gold policies.
  • You don't want an online-only insurer.

Review by our insurance writer Gary Hunter

Compare all policies from

Use this free tool to compare policies from Frank, who now owns

What types of health insurance does offer?

Hospital icon

Hospital Coverage recently merged with Frank health insurance. Here are Frank's hospital policies:

  • Entry Hospital (Basic+)
  • Basic Hospital 500 (Basic+)
  • Basic Hospital Plus (Basic+)
  • Private Hospital (Bronze)
  • Better Hospital (Bronze+)
  • Silver Hospital (Silver)
  • Max Hospital (Silver+)
  • Top Hospital (Silver+)

Extras icon

Extras coverage recently merged with Frank health insurance. Here are Frank's extras policies:

  • Basic Extras
  • Easy Extras
  • Simple Extras
  • Some Extras
  • Everyday Extras
  • More Extras
  • Lots Extras

Clipboard icon

Combined coverage recently merged with Frank health insurance. Below are Frank's dedicated combined policies, but you can also mix and match any combination of hospital and extras policies.

  • The Essentials Bundle (Silver)
  • Freedom Starter Flexi-Bundle (Basic)
  • Freedom Saver Flexi-Bundle (Basic+) health insurance complaints

We looked at the 2020 ombudsman health insurance complaints. Here's how stacked up:

  • had one of the largest complaints ratio according to the 2020 ombudsman complaints
  • Frank, which has merged with, is underwritten by GMHBA which has a slightly better complaints ratio, but it's still one of the lowest on this list.

This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. is eighteenth overall in this ranking, while Frank/GMHBA is sixteenth overall. The weighting ensures that funds are compared fairly; larger funds serve more customers so can potentially get more complaints. frequently asked questions

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2 Responses

    Default Gravatar
    philomenaMarch 14, 2017

    what is the list of services you provide for extras claims?

      Avatarfinder Customer Care
      ZubairMarch 15, 2017Staff

      Hi Philomena,

      Thank you for your question.

      You have contacted, a comparison and information service and not actually To check the extra benefit services Please enter your details into the quote comparison tool on the top of the page and for the detailed list of extra services you should consult the’s policy brochure.

      All the best,

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