Since October 2009, Frank Health Insurance offers Australians simple health insurance solutions that not only offer great value but are easy to understand. With the backing on GMHBA, a trusted not-for-profit health insurer who has been in the game since 1934, Australians can rely on Frank for cutting-edge insurance solutions.
The health fund’s entire business model is online, which means no more lining up in branches during your lunch break and no more wasted paper. By saving on overheads, members can enjoy great-value policies with a range of features, including:
Frank provides hospital, extras or combined cover, as well as Overseas Visitor Health Cover (OVHC) and ambulance cover.
Frank’s hospital policies range from basic to more comprehensive levels of cover to suit a range of needs and budgets. A lower-level policy can cover your admission as a private patient and some basic hospital treatments, which typically have certain restrictions. A higher level of cover will provide benefits towards expensive services, like joint replacement and obstetrics.
To find out more about what Frank’s policies cover, read the Product Disclosure Statement (PDS). This will outline full information on benefits under each cover option, as well as any restrictions and exclusions.
Otherwise known as ancillary cover, Frank’s extras policies provide cover for treatments that aren’t usually covered, or subsidised, by Medicare. These include dental, optical, physio, chiro and more.
Frank’s extras policies work on a percentage-back system. So, whatever the provider charges you for an eligible service, Frank will pay the percentage back that is included on your cover up to your annual limits.
For example, if you’re charged $60 for a treatment, you’ll receive $30 back if you’ve taken out extras with 50% back, or $48 on extras with 80% back, provided you have not exceeded your annual limit.
In some states and territories, ambulance costs are covered by the local government, whilst in other places, it’s recommended you take out a subscription to cover the cost of all ambulance transport.
As such, if your ambulance costs aren’t already covered by your state or territory government, you can claim the cost of your ambulance subscription with some of Frank’s cover options.
Other policy options will include cover for emergency ambulance cover throughout Australia without the additional subscription being required.
Frank offers pre-packaged cover that includes both hospital and extras benefits.
Those planning to move to Australia on a temporary visitor’s visa may need to take out health insurance to satisfy their visa requirements. Frank offers OVHC Insurance designed for those who are applying for, or are on, a:
Visitors can also take out an extras policy.
N.B. Always read every policy’s Product Disclosure Statement (PDS) for information on waiting periods, features, benefits, terms and conditions before deciding to purchase.
Frank provides the following claiming options for extras benefits:
For hospital claims, the hospital usually sends the bill to Frank for payment.
Yes, Frank has a 24/7 online service that allows members to check extras limits, submit claims, update their details or download their tax statement. You can also make a payment with VISA or Mastercard through this member’s portal as well.
Frank understands health insurance is confusing. That’s why they ditch complex industry jargon and talk straight to their customers with clear, affordable policies. Frank goes a little further to serve their members by also offering a range of services, like exclusive discounts and loyalty rewards.
Are you looking to switch to Frank Health Insurance? Or perhaps you’d like to compare Frank’s products to policy options from other great Australian brands? Whatever your needs, our comparison service helps you find great-value cover.
