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Frank's current special offer

Special Offer

Yes, Frank is matching special offers this month

The word is that people think that buying health insurance is too hard. Fair enough - there’s a lot of distractions, loads of information and ‘special offer’ carrots dangled in your face. One month free, no waits, a new pair of runners, baby pandas… the list goes on. Almost every health fund has a special offer every month. Frank’s guilty of it too - this month we’re offering six weeks free when you take up combined hospital and extras cover.

But here’s the thing…

Frank believes that you shouldn’t be distracted by gifts. Work out which health cover is best for you – the special offer is just a bonus.

So until October 31, Frank will match any competitors current special offer where we’re allowed to by law.

What do you mean “allowed to by law”?

All health insurers are bound by the Private Health Insurance Act which dictates that new customers can only receive a special offer to the value of up to 12% of their annual premium. Because we’re cheaper to start with, sometimes Frank can’t match a competitor’s deal. That’s Frank, low cost (and a stickler for the rules).

Here’s how it works

Frank’s done the research and below is a list of most offers for October. Some offers have conditions attached. Those same conditions apply with Frank.

Offer (Valid until October 31, 2015)
No waiting period on any extras when joining combined covers
6 weeks free on combined covers
Coles gift card valued up to $200 when joining combined covers
Receive a 6 month Presto Entertainment subscription when joining combined covers online
$100 Westfield Voucher when joining combined covers
Choose between ‘6 weeks free’ or’ 4 weeks free plus claim straight away on extras’ when joining combined covers

Like all special offers, this offer is available to new members. If you’ve been with Frank in the last twelve months, sorry you don’t qualify.

^ Six weeks free only available for new members. You’ll have to pay for the first month, and then we’ll give you the next six weeks free.

If you cancel your membership within the cooling off period, Frank will refund you any premiums you have paid, less the value of the special offer you received when you joined. Fair is fair.

Cool. So how do I get this Frank awesomeness?

It's as easy as getting a quote for cover, then joining online.

New to health insurance?

Here's 2 good reasons to take out hospital and extras cover:

  1. Minimise your Lifetime Health Cover loading.
  2. Avoid the Medicare Levy Surcharge.

Don't forget, this ends on October 31, so be quick.

Australian Government Rebate on Private Health Insurance

The Australian Government Rebate on Private Health Insurance is the amount the government pay toward private health insurance premiums. It provides a subsidy on the cost of taking out private cover depending on your income.

The rebate is available to those who have full Medicare eligibility and earn under $140,000 for singles and $280,000 for families/couples or single parents.

The table below gives you the full details.

If you are: And your combined taxable income is:
Single $90,000 or less $90,001 - $105,000 $105,001 - $140,000 $140,001 or more
Couple/Family/Single Parent (increases by $1,500 per child after your first) $180,000 or less $180,001 - $210,000 $210,001 - $280,000 $280,001 or more
Then your Federal Government Rebate Tier is:
Under age 65 Tier 0 - 27.82% Tier 1 - 18.55% Tier 2 - 9.27% Tier 3 - 0%
Age 65-69 Tier 0 - 32.46% Tier 1 - 23.18% Tier 2 - 13.91% Tier 3 - 0%
Age 70 and over Tier 0 - 37.09% Tier 1 - 27.82% Tier 2 - 18.55% Tier 3 - 0%

The rebate amount you are entitled to varies depending on your income tier and age. Importantly, to make sure you are receiving the correct rebate on your health insurance premiums, make sure you keep Frank up to date with your expected annual income.

The Government releases new income tiers around 1 July each year. We’ll let you know when these are announced.

How do you claim the Rebate?

You can claim the rebate as a reduction to your premiums, as a tax rebate when you lodge your annual tax return or as a direct payment from the Government through any Medicare office.

The easiest way for you to claim the rebate is to complete the application form for the Australian Government Rebate on Private Health Insurance during the application process with Frank. Frank will then deduct the rebate from your premiums.

Special Offer

Get six weeks free when you take out combined hospitals and extras cover or if you find a better offer – Frank may match it^.