Ripper prices with Frank

Looking for ripper health insurance?

With ripper prices, easy-to-understand cover and friendly, locally based customer service, Frank has cover you actually feel good about. Easy as!

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.

Explore our ripper cover

Basic Accident Boost Hospital

Minimum Basic cover with additional coverage available in the event of an accident
$ 18.00
per week
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Full details

Basic Plus Hospital

Entry hospital cover for some essentials
$ 19.65
per week
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Full details

Bronze Plus Hospital

Private hospital cover with some exclusions to keep the costs down
$ 24.25
per week
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Full details

* The price shown is per week and applies to a Single, aged 30, living in VIC. It excludes LHC loading and includes a Base Tier Government Rebate

Extras services (when included on cover)
All extras benefits except as specified below.
Waiting Period: 2 Months
Optical, home and domestic aids and medical aids.
Waiting Period: 6 months
Major dental services (including full & partial dentures, orthodontics, crown & bridgework, endodontic services such as root canal, gold fillings, indirect restorations, surgical extractions of a tooth/teeth including wisdom teeth).
Waiting Period: 12 Months
Health appliances including nebuliser pump, blood glucose monitor, pressure garments, sleep apnoea monitor, extremity pump, hearing aids, orthopaedic appliances (GMHBA approved), prostheses (GMHBA approved non-surgical), tens monitor, podiatry surgical procedures and orthotic appliances (foot).
Waiting Period: 12 Months
Hospital services (when included on cover)
Accidents - bodily injuries resulting from accidents which occur after the date of joining GMHBA or upgrading to a higher cover.
Waiting Period: No
Obstetrics and maternity.
Waiting Period: 12 months
Pre-existing ailment, illness or condition (other than psychiatric, rehabilitation and palliative care).
Waiting Period: 12 months
Any other benefit for hospital (or hospital substitution) treatment.
Waiting Period: 2 months

A pre-existing condition is one where signs or symptoms of your ailment, illness or condition, in the opinion of a medical practitioner appointed by GMHBA (not your own doctor), existed at any time during the six months preceding the day on which you purchased your hospital insurance or upgraded to a higher level of hospital cover and/or benefit entitlement.

A special waiting period applies to obtain benefits for hospital treatment for new members who have pre-existing conditions. The waiting period also applies to existing members who have recently upgraded their level of hospital cover. If the ailment, illness or condition is considered pre-existing:

New members
New members must wait 12 months for any hospital benefits (other than psychiatric, rehabilitation and palliative care).

Existing members (transferring or upgrading)
Members transferring/upgrading to a higher hospital cover must wait 12 months to get the higher hospital benefits (other than psychiatric, rehabilitation and palliative care).

Existing members (with at least 12 months membership)
Existing members with at least 12 months membership in total across their old and new cover are entitled to the lower benefits on their old cover.

Silver Hospital cover provides the same single room coverage as Gold Hospital, but co-payments of $100 per day up to a maximum of $700 per admission apply. Co-payments are not the same as hospital excess. Please note: Some private hospitals only have single rooms and co-payments will apply.

Co-payments do not apply.

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.