Cheap Health Insurance

Simple. Affordable. Frank. 

At Frank, we offer affordable health insurance tailored to your needs that won’t break the bank, like Entry Hospital (Basic+). Need extras like dental and optical? We've got you covered too.


Frank's favourite affordable covers

Accident Only Hospital (Basic)

Minimum Basic cover with additional coverage available in the event of an accident
$ 19.10
per week
  • Emergency Ambulance Cover
  • Upgraded cover in the event of an accident

Entry Hospital (Basic+)

Entry hospital cover for some essentials
$ 19.35
per week
  • Emergency Ambulance Cover
  • Dental Surgery
  • Joint Reconstruction

Private Hospital (Bronze)

Basic level private hospital cover with some exclusions and restrictions to keep costs down
$ 22.45
per week
  • Emergency Ambulance Cover
  • Bone, joint and muscle
  • Digestive system

* 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

What is private health insurance?

Private health insurance has two flavours:

  1. Hospital cover - When you need to be admitted to the hospital.
  2. Extras cover - For stuff like chiro, physio, dental & optical.

At Frank, we get that private health insurance can be a chunk of your budget. The cost of cover versus peace of mind is a personal call. You need to ask yourself: Do  I wait it out on a public waiting list or can I afford  a private hospital?


How could Frank make health insurance cheaper?

  • We focus on just doing health insurance
  • Mix & Match: Choose what you need, hospital or extras or both.
  • Basic hospital cover: Simple, no-frills hospital cover that won't break the bank.
  • Not for profit: So we think of members instead of shareholders

Why do you need health insurance?

A few good reasons to get covered:

  1. You could get a discount: There’s a discount on hospital cover for eligible under 30’s
  2. Getting older? Avoid the future fees of Lifetime Health Cover (LHC) loading by taking out Private Hospital Insurance from the year you turn 31 .
  3. Growing wiser: You've got a bit older and realised you're not invincible. A bit of health cover for those "just in case" moments sounds pretty good.
  4. Family first: Make sure your loved ones are covered when life throws a curveball.

How can you get cheap private health insurance?

Listen up to Frank's budget-buddy tips...

  • Skip the fluff: Look for products that don't include things you may not need, like pregnancy, or cataracts. If your not sure what you need, contact us and we can talk through what you may need.  
  • Know your needs: If you're all about affordability and not fussed about the details, check out Frank's cheapest covers, Accident Only (Basic) and Entry Hospital (Basic+).

Need more info? Keep reading below.

Up to 12 weeks free plus skip 2 & 6 month waits on extras*. Get 6 weeks free after your first month, and a further 6 weeks free after 12 months when you join by July 15 and maintain combined cover.

*For new members joining on combined hospital and extras cover, paying by direct debit. Must not have been a Frank member in the last 12 months. Must pay first month’s premium to receive initial 6 weeks free. Must maintain combined hospital and extras cover continuously and be financial for 12 months from the cover start date to be eligible to receive further 6 weeks free. No other discount will be applied in second year of membership. Other waits (including hospital waits), annual limits and sub limits apply. Extras claims made with a previous fund count towards annual limits. Offer only available via Frank health insurance website or phone. Not available with any other offer. Ends 15 July 2024.