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Frank Health Insurance
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    • Learn
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    • Telehealth
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Cover Changes

Member Info

  • Contact Frank
  • Waiting periods
  • About Frank membership authorities.
  • Supporting our members impacted by natural disasters
  • Approved Travel Vaccinations
  • FAQ's
  • COVID-19 member support
  • Frank Premium freeze
  • Return of COVID-19 savings
  • Health programs
  • Member area FAQs

Claiming Guide

  • How to claim
  • Your Frank card, now on mobile
  • Things Frank won't pay on
  • Claiming covid safe

Cover Changes

  • Switching health insurance - it's as easy as Frank.
  • Thinking of cancelling my cover
  • Cover review

Health Insurance

  • What is private health insurance?
  • Public vs Private
  • Not-for-profit Health Fund
  • Health insurance and pregnancy
  • Private Health Insurance Rebate
  • Lifetime Health Cover Loading
  • Medicare Levy Surcharge
  • Health Insurance Glossary
  • Dependants

Product Info

  • Participating Private Hospitals
  • Find a provider
  • All about hospital
  • About Extras Cover
  • Ambulance Cover Explained
  • Pre-existing conditions
  • Medical Gap and Access Gap Cover
  • Which provider does what
  • Cover for mental health
  • Age-based discount
  • Private Health Insurance Excess Information Guide with Frank
  • Emergency Department fees and cover

Going to hospital guide

  • Going to hospital?
  • Step 1 - See your GP
  • Step 2 - Get a specialist referral from your GP
  • Step 3 - Your Frank policy explained
  • Step 4 - Right specialist for you
  • Step 5 - Meet your specialist
  • Step 6 - Procedures and costs
  • Step 7 - What happens when you’re admitted to hospital
  • Step 8 - Some important information
  • Step 9 - Home and recovery

Member Info

  • Contact Frank
  • Waiting periods
  • About Frank membership authorities.
  • Supporting our members impacted by natural disasters
  • Approved Travel Vaccinations
  • FAQ's
  • COVID-19 member support
  • Frank Premium freeze
  • Return of COVID-19 savings
  • Health programs
  • Member area FAQs

Claiming Guide

  • How to claim
  • Your Frank card, now on mobile
  • Things Frank won't pay on
  • Claiming covid safe

Cover Changes

  • Switching health insurance - it's as easy as Frank.
  • Thinking of cancelling my cover
  • Cover review

Health Insurance

  • What is private health insurance?
  • Public vs Private
  • Not-for-profit Health Fund
  • Health insurance and pregnancy
  • Private Health Insurance Rebate
  • Lifetime Health Cover Loading
  • Medicare Levy Surcharge
  • Health Insurance Glossary
  • Dependants

Product Info

  • Participating Private Hospitals
  • Find a provider
  • All about hospital
  • About Extras Cover
  • Ambulance Cover Explained
  • Pre-existing conditions
  • Medical Gap and Access Gap Cover
  • Which provider does what
  • Cover for mental health
  • Age-based discount
  • Private Health Insurance Excess Information Guide with Frank
  • Emergency Department fees and cover

Going to hospital guide

  • Going to hospital?
  • Step 1 - See your GP
  • Step 2 - Get a specialist referral from your GP
  • Step 3 - Your Frank policy explained
  • Step 4 - Right specialist for you
  • Step 5 - Meet your specialist
  • Step 6 - Procedures and costs
  • Step 7 - What happens when you’re admitted to hospital
  • Step 8 - Some important information
  • Step 9 - Home and recovery

Freedom limit, flex it your way

Because sometimes your needs might change a little, you have a $500 freedom limit to claim on your 7 included extras services.

Saver Bundle

And the longer you're with us, the more you can claim.

Get an extra $50 to claim on your freedom limit each full calendar year, with a maximum of $200 after 4 years of continual cover.

Starter Bundle
^ Loyalty benefit is available on 1 January after copleting one full membership year. For example; Alex joins frank on 1 July 2021, she competes her first membership year on 1 July 2022. That means her limit will start increasing each year starting 1 January 2023.

Freedom limit, flex it your way

Because sometimes your needs might change a little, you have a $700 freedom limit to claim on your 11 included extras services.

Plus an additional Optical limit. You can claim 100% back on optical up to your $150 annual limit.

Saver Bundle

And the longer you're with us, the more you can claim.

Get an extra $100 to claim on your freedom limit (excludes optical) each full calendar year, with a maximum of $400 after 4 years of continual cover. Your loyalty benefit will be available on 1 January after you've completed one full membership year.

Saver Bundle
^ Loyalty benefit is available on 1 January after completing one full membership year. For example; Alex joins frank on 1 July 2021, she completes her first membership year on 1 July 2022. That means her limit will start increasing each year starting on 1 January 2023.
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© GMHBA Limited 2025
Frank and GMHBA acknowledges the Traditional Custodians of the lands throughout Australia and pay our respects to the Elders past, present, and emerging. Our head office is located on the land of the Wadawurrung people of the Kulin nation.

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