Understanding Health Insurance

What is private health insurance?

Private health insurance helps to cover the cost of health care expenses.

Frank offers two different types of private health insurance cover:

  • Hospital Cover – for when you're admitted to hospital
  • Extras Cover – for services like chiro, physio, dental & optical.

At Frank, we’re proud to offer simple and affordable cover for all life stages.

View our Cheap Health Insurance

Hospital cover

Frank's hospital cover is exactly what it sounds like. Insurance that helps to cover the costs if you’re admitted to hospital. With hospital cover you can be covered for things like treatment, accommodation and nursing care.

Find the right hospital cover for you

Extras cover

Extras cover includes treatments like, dental, optical, physio and chiro. We offer different covers depending if you want 80% back, 50% back, or the same amount back each time you visit. We make it easy to get more back in your pocket.

Find the right extras cover

Combined cover bundles

A little from column A and B. With Frank’s combined cover bundles, we make health insurance easy by combining coverage for both hospital and extras into one policy.

Find out more

Do I need health insurance?

Private health insurance helps to cover the cost of health care expenses. There are many reasons why you might choose to take out health insurance with Frank.

  • Peace of mind – knowing you’re covered and can be admitted for surgery and other medical treatments when you need it.
  • Choice – greater choice of provider, doctor or specialist.
  • Private hospital accommodation.
  • Cover for services not covered by Medicare such as dental, physiotherapy, optometry and chiropractic.
  • Avoid paying the Lifetime Health Cover (LHC) loading.


Why choose a not-for-profit health insurer?

Frank is not for profit. That means the money we make goes straight back to you through lower premiums and better value.

Joining a not-for-profit health fund means:

  • Lower premiums for our members
  • Get more back on claims
  • More extras choice – no need to go to a preferred provider to get the maximum refund
  • Great customer service
  • Notifications about ways to use health insurance because we want you to use it
  • Simple, great value health insurance with no strings attached

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Health Insurance Jargon made easy

What if I change my mind?

It’s ok to change your mind. If you tell us within the first 30 days of joining, we’ll cancel your membership for you and refund any premiums you might have paid, as long as you haven’t made a claim.

Find out more

How do I get started?

To get started with Frank, you have the choice of picking a hospital or extras product by itself, or one of our combined cover (hospital and extras) products.

Once you've made your choice it's as simple as selecting your chosen product and following the easy steps to join.

As part of this process you'll need:

  • ten minutes of your time
  • a valid Medicare card
  • a credit card or bank details
  • previous fund details if switching

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Get extras cover and save 15% - 40%* off dental treatments with smile.com.au

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