Cheap extras health insurance that benefit both your health and your wallet

The beauty of cheap extras health insurance cover is that if you just want a few extras, we've got you covered. We've made it easy by offering two cheap extras health insurance covers that we think could be a perfect fit for you.  Don't worry, if you want lots, we've also got you covered. 

Basic Extras

Get extras cover for just the basics
$ 3.30
per week
  • Dental
  • Physiotherapy
  • Chiropractic

Easy Extras

Cover for the essentials that's easy on the pocket
$ 4.95
per week
  • Dental
  • Physiotherapy
  • Remedial Massage
  • 100% back on Optical

* 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's included in the different levels of cover?

While hospital policies can take care of accidents and hospital admissions, extras cover can help make expenses for those treatments usually done outside of hospital a little lighter on your wallet. Hospital cover usually won't include these services.

Health funds typically offer at least two types of extras cover, sometimes more. Cheap extras health insurance cover may provide coverage for physiotherapy, dental care, optical (glasses) and chiropractic treatments.

Usually, you get what you pay for when it comes to cheap extras health insurance cover. If you're looking for wide coverage, expect to pay a bit more. But, if you don't need half the things included in the pricier option, there's could be a cheaper option.

The best part is that choosing extras health insurance cover doesn't mean settling for less if that's not what you want.

Some health funds may dazzle you with offers. But before you sign up, take a closer look. 

Do I need extras cover?

You may feel invincible and think that injuries and illnesses only happen to other people. Sooner or later, reality (and life) catches up. That's where we step in.

Cheap extras health insurance cover can protect you from unexpected financial surprises that often come with sporting injuries or tumbles down the stairs. It can also come into its own if you are a regular visitor to some of the services it covers.

Since that memorable dentist caravan visit during your primary school years, you've been reminded to see the dentist twice a year. Let's face it - dentists don't come cheap. Budgeting for fillings or tooth extractions is probably not something you enjoy. Having cheap extras health insurance cover allows you to recover some of those costs.

If you've had a pesky shoulder or you're a regular visitor to a physio, extras cover is an excellent way to offset those costs.

What else do I need to know?

Before you start making claims with extras cover, be aware that waiting periods typically apply to most services. Different levels or percentages can be claimed back for various treatments. The more you pay for your extras cover, the higher you can claim. Plus there may be annual limits on how much you can claim. So, it's important to do your homework and know the details before making a purchase.

Speaking of homework, take a moment to assess your life and consider where you'll be in a few years. We're not your Life Coach, but you don't need to pay for extras you won't use. Evaluate your current needs both inside and outside the house, and try to think about future scenarios. If you're an active netballer or cricketer, physio, dental, or chiro coverage could prove invaluable. But if you have no idea what a naturopath or homeopath is, then it’s unlikely you’ll be looking to use one in the near future. If you wear glasses, then optical cover is clearly a goer. Get a quote today.  

Do it your way with Frank 

Cheap extras health insurance cover can be tricky, but working out what’s what based on your needs can save you time, money and a lot of stuffing around.

Currently seeing someone (a medical person not a partner) for an extras service? Then check whether the fund you’re looking at will let you claim on services with your provider (and for how much).

At Frank, we’re not into telling you what to do, so you can use any registered practitioner that you want with our extras covers and we’ll pay the percentage or set benefit backup to your annual limits.

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.