Frank Health Insurance ☑️ (2025)

Frank Health Insurance Review

Frank Health Insurance offers 8 Health Insurance plans, including Basic Bundle, Bronze Plus Hospital, and Silver Hospital Plus, starting from 17.90 AUD per week up to 3,289 AUD per year.

Frank Health Insurance offers a Freedom Limit feature, allowing members flexibility to use their shared extras limit across multiple services. They also provide comprehensive accident protection coverage, ensuring immediate and specialized care for injuries caused by accidents.

🔎 Category	📌 Details
📈 Date Established	2009
📉 Headquartered	Geelong, Victoria, Australia
📊 Registration Number	Offered by GMHBA Limited (ABN 98 004 417 092)
👤 Average Number of Members	Approximately 100,000 members (under the GMHBA group)
👥 Number of Employees	200 - 500
🛡️ APRA-Regulated	✅Yes
💹 Most Recent Market Cap Reported	Not publicly listed
❤️ Average Customer Rating	4.2/5
⭐ Average Number of Reviews	800+ reviews
⚙️ Market Share	Frank is a smaller fund with under 5% market share in Australia
🔟 Number of Plans Offered	Multiple plans, including Basic, Bronze, Silver, and Gold Hospital, and Extras plans
🏆 Sponsorships	None reported
📲 Is a Mobile App Offered	Available on iOS and Android (features include making claims, viewing policy details)
↪️ Medical Claims Portal	Available via mobile app and member area
⏰ Customer Support Operating Hours	8:30 am – 5 pm AEDT, Monday to Friday
🔖 Information Hub and Blog	Includes a help center and FAQs
🏷️ Chronic Illness Benefits	Available for some chronic conditions under extras
🚨 Screening and Prevention Offered	✅Yes
🍼 Maternity Benefit	Covered under higher-level hospital plans (e.g., Silver and Gold)
💴 Health Insurance Premium Range (AUD)	From approximately $17.90 to $3,289.05 per year (varies based on plan)
🪫 Average Waiting Period	2 months for psychiatric, rehabilitation, and palliative care; 12 months for pre-existing conditions
🅰️ Is International Medical Cover Offered	None
🅱️ International Travel Benefit	None

Frank Health Insurance Plan Overview

The following health insurance plans offer a range of coverage options to suit different needs, from accident-focused coverage to comprehensive, high-coverage plans. With a variety of features such as emergency ambulance cover, joint reconstructions, and psychiatric care, each plan is designed for specific groups, including individuals, couples, families, and those with active lifestyles.

🔎 Plan	💴 Premium Range AUD (Min to Max, Weekly to Yearly)	🪫 Exclusions	❤️ Ideal For	↪️ Gap Cover Available	📌 Rebate Percentage	📍 Average Waiting Period	⭐ Key Features
🥇 Accident Boost Hospital (Basic)	$17.90 per week to $931.85 per year	Brain and nervous system treatments, Eye (not cataracts), Bone, joint, and muscle surgeries, Weight loss surgery, Cosmetic surgery, etc.	Singles, families, active individuals	✅Yes	Varies by income and age	0 days for accidents, 2 months for rehabilitation, psychiatric, and palliative care	Youth discount, emergency ambulance cover, financial support for accident-related treatments
🥈 Entry Hospital (Basic+)	$19.35 per week to $1,007.80 per year	Brain and nervous system treatments, Eye (not cataracts), Weight loss surgery, Plastic and reconstructive surgery, Pregnancy services, etc.	Budget-conscious individuals, couples, and young members	✅Yes	Varies by income and age	0 days for accidents, 2 months for psychiatric, rehabilitation, palliative care	Emergency ambulance coverage, joint reconstructions, inpatient dental surgeries, youth discount
🥉 Private Hospital (Bronze)	$22.45 per week to $1,169.30 per year	Pregnancy and birth services, Back, neck, and spine treatments, Dialysis, Cosmetic surgery, etc.	Families	✅Yes	Varies by income and age	0 days for accidents, 2 months for psychiatric, rehabilitation, and palliative care	Eye treatments (except cataracts), joint reconstructions, youth discount, cancer treatments
🏅 Bronze Plus Hospital (Bronze+)	$23.65 per week to $1,231.75 per year	Pregnancy and birth services, Cataract and joint replacements, Weight loss surgery, etc.	Couples, families, and active members	✅Yes	Varies by income and age	0 days for accidents, 2 months for psychiatric, rehabilitation, and palliative care	Bone and joint treatments, digestive system surgeries, gynaecology and emergency ambulance coverage
🎖️ Better Hospital (Bronze+)	$26.05 per week to $1,355.25 per year	Weight loss surgery, Cataracts, Plastic and reconstructive surgery, etc.	Families and couples	✅Yes	Varies by income and age	0 days for accidents, 2 months for other services except pre-existing conditions (12 months)	Comprehensive psychiatric and accident coverage, cancer treatments, rehabilitation, youth discount
🥇 Silver Hospital (Silver)	$29.70 per week to $1,544.75 per year	Cataracts, Joint replacements, Weight loss surgery, Dialysis, Cosmetic surgery, etc.	Families and individuals	✅Yes	Varies by income and age	0 days for accidents, 2 months for psychiatric, rehabilitation, and palliative care	Comprehensive brain and nervous system care, restricted psychiatric and rehabilitation benefits, youth discount
🥈 Max Hospital 750 (Silver+)	$42.80 per week to $2,225.55 per year	Weight loss surgery, Dialysis for chronic kidney failure, Cosmetic surgery, etc.	Those who need mid-tier comprehensive coverage	✅Yes	Varies by income and age	0 days for accidents, 2 months for psychiatric, rehabilitation, and palliative care	Full brain, nervous system, cardiovascular, and reproductive care, youth discount, maternity coverage
🥉 Gold Hospital (Gold)	$63.25 per week to $3,289.05 per year	Cosmetic surgery for non-medical purposes	High-coverage seekers, families, and individuals	✅Yes	Varies by income and age	0 days for accidents, 2 months for psychiatric, rehabilitation, and palliative care; 12 months for pregnancy services	Comprehensive maternity care, psychiatric and rehabilitation care, weight loss surgery, dialysis, and IVF coverage

Frank Health Insurance Plans – Features and Benefits

Frank Health Insurance is recognized for plans focusing on accident protection, essential services, and comprehensive hospital benefits.

One notable feature of Frank’s approach is including a youth discount on many of their plans, targeting members aged 18 to 29. Below is an in-depth breakdown of each plan, emphasizing its unique features, benefits, and exclusions.

Accident Boost Hospital (Basic)

The Accident Boost Hospital (Basic) plan is designed to offer fundamental accident-related health coverage at an affordable price point. This plan prioritises financial protection for hospital treatment stemming from accidents. Key features of the plan include:

Coverage for necessary hospital treatments arising from accidents.
Coverage for 50% of emergency department attendance fees, up to $200 per person annually.
Members aged 18 to 29 who begin a hospital or combined policy receive a discount.
Limited coverage for rehabilitation, psychiatric services, and palliative care.

Plan Details

🔎 Plan Component	📌 Details
📈 Premium Range	$17.90 per week to $931.85 per year (excess of $750)
📉 Excess Options	$750 for singles; $1,500 for couples & families
📊 Coverage	Accident treatment, rehabilitation (restricted), palliative care (restricted)
💹 Exclusions	Brain and nervous system treatments, eye surgeries, and more (details in document)
💱 Claims Process	Accident treatment claims require hospital admission within 90 days and an Accident Declaration form

Benefits for Different Groups

For Individuals

Single members benefit from accident coverage with a $750 excess and emergency fee support.

📌 Read more about the best single person health insurance plans

For Families

Comprehensive accident protection ensures family-wide coverage with a cap on expenses at $1,500 annually.

For Couples

Couples benefit from joint accident protection and financial predictability.

For Single Parents

Provides financial protection and emergency coverage tailored to single-parent needs.

Entry Hospital (Basic+)

The Entry Hospital (Basic+) plan offers a balanced combination of restricted and included services, providing flexibility for essential coverage needs.

Joint Reconstruction coverage includes surgery and recovery-related services.
Immediate access option for psychiatric services available after two months of restricted coverage.
Additional savings for young members.
Coverage for ambulance services within Australia.

Plan Details

🔎 Plan Component	📌 Details
📈 Premium Range	$19.35 per week to $1,007.80 per year (excess of $750)
📉 Excess Options	$750 for singles; $1,500 for couples & families
📊 Coverage	Rehabilitation (restricted), joint reconstructions, dental surgery, emergency ambulance
💹 Exclusions	Chemotherapy, plastic and reconstructive surgery, and more
💱 Claims Process	Claims must be supported by written informed financial consent

Benefits for Different Groups

For Individuals

Provides essential coverage with flexibility in psychiatric and emergency services.

For Families

Offers comprehensive family-wide protection and predictable costs.

For Couples

Tailored essential coverage with accident and emergency support.

For Single Parents

Financial stability through comprehensive accident and joint reconstruction coverage.

Private Hospital (Bronze)

The Private Hospital (Bronze) cover provides an extensive range of private hospital treatments with specific restrictions to maintain affordability.

Full benefits for procedures like tonsils, adenoids, and grommets.
Psychiatric Coverage Waiver available for immediate access to restricted psychiatric services.
Discounts for younger members starting combined or hospital plans.

Plan Details

🔎 Plan Component	📌 Details
📈 Premium Range	$22.45 per week to $1,169.30 per year (excess of $750)
📉 Excess Options	$750 for singles; $1,500 for couples & families
📊 Coverage	Brain and nervous system treatments, joint reconstructions, palliative care (restricted)
💹 Exclusions	Dental surgery, pregnancy and birth, weight loss surgery
💱 Claims Process	Accident-related claims require documentation within 48 hours and an Accident Declaration form

Benefits for Different Groups

For Individuals

It covers essential services like brain and nervous system treatments.

For Families

Protects families with accident coverage and essential emergency services.

For Couples

Financial predictability with comprehensive joint coverage.

For Single Parents

Offers flexibility in psychiatric and emergency services.

Bronze Plus Hospital (Bronze+)

The Bronze Plus Hospital (Bronze+) cover offers mid-level private hospital services, focusing on essential treatments while maintaining affordability. The plan includes several key coverage options alongside restricted services.

Coverage for hospital services related to Lung and Chest treatments.
Includes medical fees and hospital accommodation for inpatient dental and podiatric procedures.
Available discounts for younger members starting their hospital or combined plans.

Plan Details

🔎 Plan Component	📌 Details
📈 Premium Range	$23.65 per week to $1,231.75 per year (excess of $750)
📉 Excess Options	$750 for singles; $1,500 for couples & families
📊 Coverage	Bone, joint, and muscle treatments, digestive and gastrointestinal endoscopies, dental surgery
💹 Exclusions	Weight loss surgery, plastic surgery, assisted reproductive services
💱 Claims Process	Includes obtaining informed financial consent for all out-of-pocket expenses

Benefits for Different Groups

For Individuals

Comprehensive accident coverage and flexibility with youth discounts.

For Families

Provides essential hospital treatments and support for surgical needs.

For Couples

This plan is tailored for couples seeking essential coverage with predictable costs.

For Single Parents

Financial stability and coverage for essential services.

Better Hospital (Bronze+)

The Better Hospital (Bronze+) plan provides extended coverage for hospital services with flexibility in restricted areas to maintain affordability.

Includes joint reconstructions and essential orthopedic procedures.
Supports eligible heart and vascular conditions.
Additional savings for younger members aged 18 to 29.

Plan Details

🔎 Plan Component	📌 Details
📈 Premium Range	$26.05 per week to $1,355.25 per year (excess of $750)
📉 Excess Options	$750 for singles; $1,500 for couples & families
📊 Coverage	Brain and nervous system treatments, cardiovascular support, pain management
💹 Exclusions	Weight loss surgery, back, neck, and spine treatments, sleep studies
💱 Claims Process	Requires informed financial consent for all planned medical services

Benefits for Different Groups

For Individuals

Tailored coverage for essential services like bone and muscle treatments.

For Families

Comprehensive coverage for a broad range of necessary treatments.

For Couples

Predictable healthcare costs through affordable excess options.

For Single Parents

Comprehensive protection with flexibility in restricted services.

Silver Hospital (Silver)

The Silver Hospital (Silver) cover offers a mid-tier level of comprehensive private hospital services. It focuses on essential medical treatments while offering flexibility in restricted areas.

Comprehensive coverage for eligible cancer treatments.
Reconstructive post-medical procedures.
Youth discount for members aged 18 to 29.

Plan Details

🔎 Plan Component	📌 Details
📈 Premium Range	$29.70 per week to $1,544.75 per year (excess of $750)
📉 Excess Options	$750 for singles; $1,500 for couples & families
📊 Coverage	Digestive system treatments, ear, nose, and throat surgeries, blood treatments
💹 Exclusions	Cataracts, pregnancy and birth, and assisted reproductive services
💱 Claims Process	Informed financial consent for all out-of-pocket expenses

Benefits for Different Groups

For Individuals

Comprehensive hospital coverage for brain and nervous system procedures.

For Families

Covers essential medical treatments and supports comprehensive family needs.

For Couples

Financial stability with broad hospital benefits.

For Single Parents

Flexible options for psychiatric services and comprehensive access to key medical treatments.

Max Hospital 750 (Silver+)

The Max Hospital 750 (Silver+) cover is a mid-tier plan designed to provide broad hospital coverage with restricted services in certain areas to maintain affordability.

Covers eligible in-hospital sleep studies and medical hearing device procedures.
Offers savings for young members entering their hospital plans.
Covers key procedures like joint replacements and cataracts.

Plan Details

🔎 Plan Component	📌 Details
📈 Premium Range	$42.80 per week to $2,225.55 per year (excess of $750)
📉 Excess Options	$750 for singles; $1,500 for couples and families
📊 Coverage	Heart and vascular support, back, neck, and spine treatments, sleep studies
💹 Exclusions	Assisted reproductive services, cosmetic surgery, and pain management with devices
💱 Claims Process	Accident-related claims must include documentation within 48 hours

Benefits for Different Groups

For Individuals

Comprehensive protection for essential brain and spine procedures.

For Families

Broad coverage with key surgical procedures and cardiovascular support.

For Couples

Financial predictability with broad and essential hospital coverage.

For Single Parents

Comprehensive care for hospital services and accident coverage.

Gold Hospital (Gold)

The Gold Hospital (Gold) cover by Frank Health Insurance is the top-tier plan providing an extensive range of hospital services. This plan minimises restrictions while offering full access to essential and specialised services.

Comprehensive support for maternity and birthing services.
Provides coverage for eligible fertility treatments.
Covers weight loss procedures and ongoing dialysis needs.

Plan Details

🔎 Plan Component	📌 Details
📈 Premium Range	$63.25 per week to $3,289.05 per year (excess of $750)
📉 Excess Options	$750 for singles; $1,500 for couples and families
📊 Coverage	Pregnancy and birth, dialysis, and brain and nervous system procedures
💹 Exclusions	None for essential hospital services
💱 Claims Process	Members are encouraged to obtain informed financial consent for all planned services

Benefits for Different Groups

For Individuals

Comprehensive hospital protection with access to essential and specialised services.

For Families

Offers full family coverage, including maternity services and reconstructive surgery.

For Couples

Comprehensive joint coverage for essential and specialised procedures.

For Single Parents

All-inclusive coverage for family planning, childbirth, and specialised medical care.

User Reviews

🥇 Flexibility and Freedom of Choice

I value Frank’s flexibility since it gives me the freedom to pick my doctors and hospitals. Being able to keep my chosen healthcare contacts is a big deal to me, thus, this independence is significant. – Alex

🥈 A Great Deal for Families

For my family, Frank was the first choice due to the excellent deal they provided. They give individualized plans that work for us, and their attitude is less stuffy than that of competing insurance companies. – Sarah

🥉 Great Hospital Cover, But Room for Improvement

I was pleasantly surprised to see that Frank’s service was just as good as, if not better than, my prior health insurance. When it comes to lengthy operations, their hospital cover is of great value, and I enjoy it. Despite my gratitude for the fee freeze during the pandemic, I would have preferred more leeway in allocating funds for supplemental expenses. – Michael

Frank Health Insurance vs NIB Health Insurance vs HBF Health Insurance – A Comparison

🔎 Provider	🥇 Frank Health Insurance	🥈 NIB Health Insurance	🥉 HBF Health Insurance
📌 Years in Operation	15 years	Over 70 years	83 years
👥 Average Number of Members	±100,000 members under GMHBA Group	Over 1.7 million members	Over 1 million
🛡️ APRA Regulation	✅Yes	✅Yes	✅Yes
👤 Number of Employees	200 - 500	Approximately 1,500 employees	Not specified
📉 Market Share	Frank is a smaller fund with under 5% market share in Australia	9.6% of the Australian private health insurance market	7.82%
📈 Market Coverage	Australia-wide coverage	Australia-wide coverage	Nationwide
📊 Customer Rating	4.2/5	Average of 4.8 out of 5	4.1 stars
💹 Number of reviews	800+	1,000+ reviews	Approximately 6,500
📲 Mobile App	✅Yes	✅Yes	✅Yes
💴 Premium Range (AUD)	From approximately $17.90 to $3,289.05 (varies based on plan)	From $3.34 per week to $3,067.69 per year, depending on the plan and coverage options	$14.96 per week to $2,685.16 per year
✈️ International Travel Benefit	None	Comprehensive international travel insurance is available	Limited suspension options available
⭐ Market Capitalisation	Not applicable	AUD 2.90 billion	Not applicable (not-for-profit)
❤️ Unique Features	Not-for-profit, GMHBA-backed, AHSA Access Gap Cover, Telehealth, 100% optical benefit, Predictable premium pricing, Comprehensive hospital plans, Online-first approach, Simple claims process	GreenPass membership, partnership with Priceline for branded hospital and ancillary cover, sponsorship of notable sports teams, comprehensive mobile app support	Reinvestment into member benefits, flexible plans

Advantages of Using Frank Health Insurance

Frank offers a range of benefits designed to provide comprehensive coverage and save members money on healthcare services.

Flexible Access Gap Cover

Frank partners with the Australian Health Service Alliance (AHSA) to offer Access Gap Cover. Specialists involved in this scheme agree to charge lower fees, reducing unexpected hospital bill surprises for members.

Age-Based Discount for Younger Members

Frank offers a special age-based discount for younger members. Policyholders aged between 18 and 29 can save up to 10% on their hospital coverage premiums.

Rewards for Long-Term Members

Frank rewards long-term members by increasing their extras claim limits each year. Members receive an extra $100 on their Freedom Limit for every full membership year, up to a total of $400.

Savings on Dental Treatments

Through Frank’s partnership with smile.com.au, members who choose extra coverage can save up to 40% on dental treatments at approved dentists within the smile.com.au network.

Telehealth Services

Frank members can access consultations with registered healthcare providers from the comfort of their homes using telehealth services.

Emergency Ambulance Coverage

Frank provides emergency ambulance services across Australia, offering essential support and financial protection for members in the event of accidents or sudden medical emergencies.

Frank Health Insurance Gap Cover

Frank Health Insurance addresses the need to manage and minimise additional out-of-pocket expenses using the Access Gap Cover program.

How Does Access Gap Cover Work?

Frank Health Insurance provides members with two key scenarios to manage their costs via Access Gap:

No Gap Scenario: If specialists charge within the gap cover limits, members don’t face additional expenses, making it ideal for standard procedures in participating hospitals.
Known Gap Scenario: If a specialist charges above the gap limit, Frank ensures there’s only a maximum charge of $500 per specialist per hospital admission or $800 for obstetrics services.

Frank has partnerships with a network of hospitals across different states to enhance transparency and coverage options for members.

Frank Health Insurance App Features

Frank Health Insurance offers a mobile app for members to access essential services using their smartphones. The app focuses on efficiency and security by integrating key features like biometric login and real-time support.

📉 Speedy Claims	Users can file claims within a minute and upload supporting documents like photos or PDFs
📈 Biometric Login	Secure login with fingerprint or facial recognition
🥰 Live Chat Support	Real-time chat support during designated hours
📊 Claims History Access	Users can review past claims to monitor spending and understand coverage use
💹 Extras Limits Check	Easy monitoring of remaining extras benefits
💶 Make Payments	Members can make premium payments directly through the app with credit or debit cards
❤️ Request New Member Card	Members can request new or replacement membership cards directly
☎️ Telehealth Services	The app supports telehealth consultations

How to apply for Frank Health Insurance

Prospective members can apply through Frank’s official website or by contacting their customer support team directly for personalised assistance. Here’s a general step-by-step on applying for health insurance with Frank’s:

Go to the official Frank Health Insurance website and explore the health insurance plans. You can use the quick quote tool to get a preliminary cost estimate based on your chosen coverage level and other relevant details.
Choose an appropriate option according to your needs – if you have a family or spouse, consider their medical and health needs.
Click the “Apply Now” button associated with your chosen plan to initiate the application. Frank offers an intuitive member portal to create an account or log in as an existing member.

Complete the online application form, review your application for accuracy, and proceed to confirm your plan choice and payment details. Once your application is submitted, you will receive an on-screen acknowledgment and a confirmation email.

How to apply for Gap Cover with Frank Health Insurance

Frank Health Insurance allows members to benefit from its Access Gap Cover. The cover is designed to provide greater certainty about potential medical costs.

It works with the Australian Health Service Alliance (AHSA) to negotiate gap cover agreements with hospitals and medical specialists.

Choose a Frank hospital plan that includes access to gap cover.
Verify the hospitals and specialists in your area participating in the Access Gap Cover program.
Opt in for the Access Gap Cover benefit during the policy selection or renewal process.
Members must submit standard documentation, including proof of membership, hospital admission forms, and any other details requested by Frank Health Insurance to validate their eligibility for gap coverage.

Before being admitted to a hospital or undergoing a medical procedure, verify that your hospital and specialist are part of the Access Gap Cover program.

How to Submit a Claim with Frank Health Insurance

Digital Submissions

Once logged in, locate and click on the ‘Claims’ section within the member portal.
Upload the relevant documentation for your claim, like invoices, receipts, and proof of services received.

Double-check all uploaded documents and details before clicking ‘Submit’ to finalize the digital claim submission.

Manual Claims Submission

Members can download and complete a physical claims form from the Frank Health Insurance website if digital submission is not an option. Send the completed form and documents to Frank’s postal address on the website.

How to Downgrade My Plan with Frank Health Insurance

Downgrading your health insurance plan with Frank involves adjusting your coverage as your needs change. Here’s a clear process to follow:

Evaluate your current cover and identify which areas you want to downgrade. Frank lets members change their hospital tiers, excess levels, or extras cover.
Call Frank at 1300 437 265 to request a cover review. During this discussion, the representative will guide you through the options for downgrading based on your specific needs. They’ll help you understand any changes to waiting periods or exclusions that may come with your new policy level.
After finalizing your new coverage, confirm the downgrade through the member portal, phone, or email.

Review the updated policy once the downgrade is processed to ensure all changes are reflected accurately.

How do I add a Beneficiary to Frank Health Insurance?

If you want to add a child or adult dependent, you can log in to your Frank Health Insurance profile and follow these steps:

Access your Frank Health Insurance member account through the official member portal.
Once logged in, navigate to the “Manage Policy” section, which provides options to review and modify your policy details.
In the “Dependants” section, select the option to add a new dependent. Enter the required information, such as name, date of birth, and relationship to the policyholder.
If the dependent is over 21 and studying, ensure that you submit a completed student declaration form each year to maintain coverage.

Review the changes made and confirm to finalise the addition. A confirmation message will appear once the dependent or beneficiary has been successfully added.

📌 Read more: Best Student Health Insurance Plans

How to Submit a Compliment or Complaint with Frank Health Insurance

If you have a compliment or complaint, you can submit feedback to Frank Health Insurance using the following channels:

Contact a Frank representative by calling 1300 481 506 during business hours. For written communication, you can email Frank at [email protected]. Phone calls are typically responded to immediately, while emails receive follow-up within 2-5 business days.
For detailed or formal complaints, you can write to Frank Health Insurance and send your complaint using the postal address. Frank will acknowledge receipt of written correspondence within five business days and will try to resolve most issues within a month, depending on the complexity.
If you’re not satisfied with the initial resolution, you can escalate the issue to the MSRC. This committee meets weekly and consists of senior management dedicated to reviewing unresolved cases.

If your concern remains unresolved after escalation to the MSRC, you can contact the Private Health Insurance Ombudsman for free independent advice.

How to Switch my Health Insurance to Frank Health Insurance

Start the switch by signing up for a policy with Frank. Provide your existing insurer’s name and your current membership number.

Provide Information to Frank

Frank requires your Medicare number, payment details, and specifics about your previous fund during the application.

Frank Contacts Your Previous Fund

Once you join, Frank will communicate directly with your previous insurer to initiate the cancellation of your old policy. They will request a transfer certificate to confirm the end of your previous coverage and the start of your new Frank policy.

Certificate Transfer and Refund Processing

Your previous insurer will issue a transfer certificate to Frank, proving your waiting periods and claims history. Any premiums paid in advance beyond the cancellation date will be refunded to you by your old insurer.

Confirm Waiting Periods and Coverage Levels

If you switch to the same or a lower level of coverage with Frank within 30 days, you won’t need to re-serve any completed waiting periods. However, increasing your cover level involves serving new waiting periods for additional services.

Handling of Overlapping Coverage

Frank will align the start of your new policy with the cancellation of your previous coverage to avoid gaps in your health insurance.

📌 Discover the 10 Best Private Health Insurance in Australia

Frank Health Insurance Regulation

The Australian Prudential Regulation Authority (APRA) and the Australian Competition and Consumer Commission (ACCC) regulate private health insurance in Australia. Frank Health Insurance is not directly a member of APRA but operates as a brand under GMHBA Limited (ABN 98 004 417 092).

The primary regulatory framework comes under the Private Health Insurance Act 2007, alongside the oversight functions of APRA and ACCC. Specific Responsibilities and Regulatory Focus Areas of APRA and ACCC:

Maintaining Financial Stability

APRA actively monitors private health insurers through regular risk assessments and financial stress testing to ensure their solvency.

Ensuring Fair Pricing and Transparency

The ACCC oversees premium adjustments, reviewing increases to confirm they meet regulatory standards and safeguard consumer fairness.

APRA and ACCC are dedicated to enforcing market integrity and shielding members from misconduct and potential financial threats.

Customer Support and Contact Details

🔎 Support Method	🅰️ Details	🅱️ Availability
🤖 Webchat	Real-time support available through Frank's official website.	9 am - 4:30 pm AEDT (Mon-Fri)
☎️ Phone Support	Call 1300 481 506 for customer service assistance.	8:30 am - 5 pm AEDT (Mon-Fri)
📌 Fax	For sending documents or written inquiries.	Anytime
💌 Postal Address	Frank Health Insurance, Reply Paid 69, Geelong VIC 3220	N/A
🖱️ Email Enquiries	Email support for members and new customers.	Responses in 2-5 business days

Frank Health Insurance Rebates and Discounts

Frank offers several benefits for its members, including up to a 10% discount on hospital cover premiums for those aged 18-29, based on their age when they first take out the cover. Members also earn an extra $100 in their Freedom Limit for every full year of continuous coverage, with a maximum of $400 after four years.

Additionally, those with extras cover can save between 15-40% on dental treatments at smile.com.au-approved dentists.

Frank partners with several optical retailers to offer in-store and online discounts. Examples include:

OPSM: 20% off lenses, 15% off non-prescription sunglasses, and 10% off in-store contact lenses.
Specsavers: 25% discount on complete glasses (from the $149 range and above), with 20% discounts on extras like lens coatings and transitions.
Laubman & Pank: Similar discounts as OPSM, with eye tests, bulk-billed to Medicare.

Members joining on a combined hospital and extras cover by 31 October can benefit from six weeks free from paying premiums and waive two and six-month waiting periods on extras.

Additional Health Services and Products

Frank provides several additional services and products to enhance member benefits. These include access to Telehealth options for remote healthcare consultations, a direct billing network to simplify the claims process, and at-home hospital-level care for acute conditions such as intravenous therapy, wound care, and medication management.

Selected extras covers also offer benefits for travel-related vaccinations like Hepatitis A/B, Influenza, Typhoid, and Yellow Fever. Members can access Rehabilitation in the Home (RITH) for post-hospital recovery, including joint replacements, fractures, and cardiac conditions.

Additionally, pregnancy, birth, and early parenthood classes are available through selected extras covers.

Pros and Cons

✅ Pros	❌ Cons
Young adults aged 18-29 get significant premium discounts	Waiting periods ranging from two months to twelve months apply for certain treatments and pre-existing conditions
Members can choose from different partner hospitals	Some no-gap services are only available through a network of approved healthcare providers
Comprehensive digital services include 24/7 support	Plans do not include international medical cover
Frank Health Insurance offers budget-friendly health coverage options	Maternity services are restricted or unavailable in some hospital plans
Emergency ambulance services are standard across all plans	Several plans exclude high-cost surgeries and elective treatments
Members benefit from an easy-to-use online portal for claims and account management	Coverage for treatments such as IVF and cosmetic surgeries is either limited or not included
Extras plans include flexible cover options for routine healthcare needs	Certain plans impose age limits for dependents

Our Verdict on Frank Health Insurance

Frank Health Insurance, under the GMHBA brand, offers flexible plans for individuals and families across Australia. Their Basic Hospital and Basic Extras Plans provide affordable solutions with flexible excess options starting at $500. For more coverage, Frank’s Bronze Plus and Silver Plans offer enhanced services like inpatient psychiatric care and diabetes management.

A standout feature of Frank is its easy-to-use Member Portal and App, allowing members to manage policies, submit claims, and track benefits in real-time.

While Frank offers affordable coverage and digital support, it may not fully meet the needs of those requiring extensive coverage for complex medical conditions. The Silver Plan expands hospital benefits but lacks coverage for joint replacements, advanced cardiac procedures, and comprehensive maternity care.

Additionally, Frank doesn’t provide travel or international medical coverage, which may be a drawback for those traveling overseas. Despite these limitations, Frank offers clear, budget-friendly coverage, making it a solid choice for those seeking essential benefits and flexibility.

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Frequently Asked Questions

What is the maximum excess on Frank’s hospital plans?

Frank’s hospital insurance plans have a maximum yearly excess of $500 for individuals and $1,500 for families and couples.

How do I manage my coverage with Frank Health Insurance?

You can visit Frank’s website and log in to the Members Area, or you can download the app and log in from there to view and manage your coverage.

How can I find my tax statement from Frank Health Insurance?

Frank Health Insurance sends tax information directly to the ATO for pre-filling throughout tax season.

Can I share my additional benefits with family members?

No, extra benefits are per individual and cannot be pooled by family members who are part of the same insurance plan.

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