Award winning health insurance
Winning with Frank
Highly Commended in the Basic Hospital category at the Finder Health Insurance Awards ’22, ’24 and ‘25.
We Money award for Best for Basic Hospital Cover in the 2025 WeMoney Health Insurance Awards
6 weeks free + skip 2 & 6 month waits on extras* when joining on combined cover.
*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. Must pay first month to receive offer. Other waits (including hospital waits), annual and sub limits apply. Extras claims made with a previous fund count towards annual limits. Offer only available via Frank website or phone joins. Not available with any other offer or Frank OVHC. Frank may end this offer at any time without notice.
WeMoney award winners
Awarded Best for Basic Hospital Cover in the 2025 WeMoney Health Insurance Awards
Finder 2025 winners
Highly Commended award in the Basic Hospital category at the 2025 Finder Health Insurance Awards.
Why Frank?
- We make health insurance ridiculously easy. No confusing insurance jargon. Just the good stuff, laid out nice and easy.
- Easy claiming. You can claim online through our easy-to-use app
- Great service. Our locally based team is available via phone or webchat to answer any questions
- Keeping it real since 2009. We’ve been doing things differently since day one—no frills, just honest, straightforward health insurance.
- Not-for-profit at heart. We’re all about putting members first, not profit.
Freedom limit, flex it your way
Because sometimes your needs might change a little, you have a $500 freedom limit to claim on your 7 included extras services.
And the longer you're with us, the more you can claim.
Get an extra $50 to claim on your freedom limit each full calendar year, with a maximum of $200 after 4 years of continual cover.
Freedom limit, flex it your way
Because sometimes your needs might change a little, you have a $700 freedom limit to claim on your 11 included extras services.
Plus an additional Optical limit. You can claim 100% back on optical up to your $150 annual limit.
And the longer you're with us, the more you can claim.
Get an extra $100 to claim on your freedom limit (excludes optical) each full calendar year, with a maximum of $400 after 4 years of continual cover. Your loyalty benefit will be available on 1 January after you've completed one full membership year.
