There’s a lot going on in the world right now and if you're experiencing financial hardship, Frank is here to support you.
Reassessing your membership?
You never know how we might be able to help out.
Speak to one of our helpful team members about your situation before you cancel your cover. They can guide you through the things to consider, ensure you have the right level of affordable cover and answer any questions.
Call us on 1300 437 265.
Things to consider
Before you cancel your health cover altogether here’s some things that could be helpful.
A cover review can give you the confidence you’re on the right plan.
You may be able to suspend your cover due to financial hardship or overseas travel
If you joined in the last 30 days and haven’t claimed you may be entitled to a full refund
Affordable popular covers
Private Hospital (Bronze)
Basic level private hospital cover with some exclusions and restrictions to keep costs down
* 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
Extras services (when included on cover)
All extras benefits except as specified below. Waiting Period: 2 Months
Optical, home and domestic aids and medical aids. Waiting Period: 6 months
Major dental services (including full & partial dentures, orthodontics, crown & bridgework, endodontic services such as root canal, gold fillings, indirect restorations, surgical extractions of a tooth/teeth including wisdom teeth). Waiting Period: 12 Months
Accidents - bodily injuries resulting from accidents which occur after the date of joining GMHBA or upgrading to a higher cover. Waiting Period: No
Obstetrics and maternity. Waiting Period: 12 months
Pre-existing ailment, illness or condition (other than psychiatric, rehabilitation and palliative care). Waiting Period: 12 months
Any other benefit for hospital (or hospital substitution) treatment. Waiting Period: 2 months
A pre-existing condition is one where signs or symptoms of your ailment, illness or condition, in the opinion of a medical practitioner appointed by GMHBA (not your own doctor), existed at any time during the six months preceding the day on which you purchased your hospital insurance or upgraded to a higher level of hospital cover and/or benefit entitlement.
A special waiting period applies to obtain benefits for hospital treatment for new members who have pre-existing conditions. The waiting period also applies to existing members who have recently upgraded their level of hospital cover. If the ailment, illness or condition is considered pre-existing:
New members New members must wait 12 months for any hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (transferring or upgrading) Members transferring/upgrading to a higher hospital cover must wait 12 months to get the higher hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (with at least 12 months membership) Existing members with at least 12 months membership in total across their old and new cover are entitled to the lower benefits on their old cover.
Silver Hospital cover provides the same single room coverage as Gold Hospital, but co-payments of $100 per day up to a maximum of $700 per admission apply. Co-payments are not the same as hospital excess. Please note: Some private hospitals only have single rooms and co-payments will apply.
Co-payments do not apply.
If you're looking to change your level of cover, you can do this by logging into your member area.
If you cancel your Frank Health Insurance cover within 30 days of joining, you will receive a full refund of any premiums received by Frank, provided you have not made a claim.
Because sometimes your needs might change a little, you have a $500 freedom limit to claim on your 7 included extras services.
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.
^ 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.
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.
^ 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.
