Cheap health insurance for families

Discover the perks of family health cover

Parents want nothing but the best for their kids, especially when it comes to their health care and health cover. Let's face it, finding affordable health insurance for families can be a major headache. We know - we're a health fund. Family health cover tends to come with a higher price tag compared to coverage for individuals, which makes it even more important to find the right plan that suits your family's needs.

Family favourites

Bronze Plus Hospital (Bronze+) & Everyday Extras

Private hospital cover with some exclusions to keep the costs down plus everyday extras cover for common services like majory dental and psychology.
$ 66.70
per week
  • Major Dental
  • 100% back on Optical
  • Health Maintenance
  • Emergency Ambulance Cover
  • Back, neck and spine
  • Lung & Chest

Silver Hospital (Silver) & More Extras

Private hospital cover with some exclusions to keep costs down, plus more extras cover for a wide range of services including podiatry and orthodontics.
$ 85.65
per week
  • Major Dental & Orthodontics
  • 100% back on Optical
  • Health Maintenance
  • Podiatry
  • Emergency Ambulance Cover
  • Heart and vascular system
  • Implantation of hearing devices

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

The challenge of public hospital waiting lists

Public hospital waiting lists can be really long when it comes to non-emergency procedures like tonsillectomies, grommet procedures, or joint reconstructions. While you may be eligible for free treatment through the public system, you or your family members could face long waits for surgery. This is where having cheap health insurance for families can help you to bypass the public hospital queues and get treatment in a private hospital. Plus, the option of having a private room (if available) as you recover can be a big factor in families taking out private hospital cover.

Beyond Medicare: addressing family health needs

Australians are lucky to have Medicare - a remarkable service that provides coverage for medical consultations, tests, and examinations. 

Sometimes, Medicare may fall short in meeting all of your family's healthcare needs when it comes to treatments outside of hospitals. Visiting the dentist, getting physiotherapy, purchasing new glasses or orthotics - all of these can be expensive. That's where cheap health insurance for families comes into play, providing benefits for those kinds of treatments if you need them. 

Balancing coverage and the cost of health insurance

Expensive family health insurance policies may be a waste of money, with cover for things your family will never use.

The key is to compare policies, aiming not only cheap family health insurance but the one that offers the best value for your needs.

Navigating hospital and extras cover 

When searching for the best health cover for your family, the first step is to consider the type of benefits you expect from private cover.

While there might be cheaper health insurance policies available, it's key to understand why they come with lower costs. This could involve additional exclusions, higher excesses, and co-payments. Having private hospital cover allows you to choose the doctor who treats you (subject to availability) - unlike in the public system. This is important for families who prefer continuity of care or need specialised healthcare providers, such as pediatricians.

Many families opt for the peace of mind provided by extras cover along with hospital cover. Bundled packages offer not only hospital coverage but also benefits for health services not covered by Medicare or hospital cover, such as dental, optical, chiropractic, physiotherapy, and acupuncture, among others.

Frank offers two extras plans that provide cheap health insurance for families: Lots and Some. Like hospital cover, higher-level extras cover offers benefits for a wider range of treatments and services. Just review the details carefully.

Alongside our commitment to cheap and simple health insurance for families, we prioritize choice. Cheap doesn't have to mean limited. Our extras plans offer the option of either 50% or 80% back on extras. Choosing the 80% option may result in higher premiums, but your out-of-pocket costs could be lower. You may find that you reach your annual limits quickly if you are a regular extras user. If so, using the 50% option gives you the option to pay higher out of pocket costs and use your annual limits over the course of a year.

Keeping costs lower

Health insurance premiums tend to increase on a regular basis because of government regulations and higher medical costs. If you want to spend less on your private health cover, it's best to shop around and compare policies before April each year. 

Many insurance companies have promotional offers like giving a free month of insurance or waiving certain waiting periods. These can help make your cheap health insurance for families even more affordable.

Get extras cover and save 15% - 40%* off dental treatments with

*Savings may vary between dentists. It is recommended that members obtain a quote prior to treatment.