easy as frank.

I need health insurance for choose just me me & my partner me & my family me & my kids , that’s choose low cost mid-range top level and covers choose hospital & extras hospital only extras only

Skip 2 & 6 month waits on extras when joining on combined cover by February 28*

*For new members who have not been a member during the last 12 months joining on combined hospital and extras cover paying by direct debit. 12 month waits and sub-limits apply. Extras claims made with a previous fund are included in your annual limit. Only available via Frank website and phone joins. Not available in conjunction with any other offer or on Frank OVHC. Offer ends 28 February 2021.

Freedom limit, flex it your way.

Our freedom hospital and extras bundles give singles and couples one flexible limit to claim on your included extras each year. Now that’s freedom.

And the longer you stay with frank, the more you can claim. For example, our Saver bundle gives you an extra $100 to claim on your freedom limit each full calendar year, with a maximum of $400 after 4 years of continual cover.

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No out of pocket physio with Kieser.

In partnership with Kieser, Frank members with extras cover will have access to telehealth and face-to-face physiotherapy with no out of pocket costs up to your annual limits have been extended until 31 March 2021. Find out more

COVID-19 members support.

Frank has put a range of measures in place to support members during this complicated time. Find out more

10 years. easy as frank.

So now more than ever it’s nice to have health cover that’s easy as frank. For ten years we’ve been making health insurance easy as, and that’s what we’ll keep doing – no matter how complicated the world gets.

Choose your own provider

Don’t go with someone you don’t know. It’s your health so we let you choose your own provider

Simple to use

Claim online or at your provider. It doesn’t get more simple than that

30 day cooling off period

It’s ok to change your mind. Tell us if you’re not happy within 30 days of joining and we’ll cancel your cover plus refund any premiums paid (as long as you haven’t made a claim)

Our customers speaking frankly.

I signed up for a Frank Health Insurance policy after 13 years with my old provider. WOW! What a difference. Every dealing I have had has been spot on and my policy is great value. I have just lowered my level of cover to learn that my level of extra cover hasn't dropped, only the % I get back on each provider visit. I don't think it gets much better than that?! I was honestly blown away.


I've been with Frank for a number of years now and love their system. It's clear, you can speak to people AND have a record of what you've asked and info you've received. The web site is one of the best designed information sites I've seen. Claiming is extremely easy and their staff are knowledgeable and efficient. Couldn’t' recommend Frank highly enough.


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