Membership authorities are the different types of permission a person may have on their health insurance membership. If you are unsure of the authority levels on your membership, or wish to make a change, simply give us a call.
The main person on the membership, formally known as the “primary member” or “policyholder”. Communications are addressed to this member. They have full authority to do everything on a membership, login access to the Frank member area and app, and are responsible for payments.
There can only be one primary member and it's the person named at the time the membership was started.
The primary member can provide authority for others (spouse, power of attorney or client) to access all records, claims history, tax statements and other personal and sensitive information relating to their membership.
Spouse authority is an authority granted to the spouse (partner/husband/wife/de facto) on a policy. This member can make changes to the policy, such as reviewing cover, making payment changes or adding people to the membership. They can only remove themselves from a policy and cannot cancel a policy.
Couple and family memberships joining Frank from health.com.au have default spousal access from 1 October 2021. To make a change to this, or check access at any time please contact Frank.
Any person with a valid POA can be appointed to make financial, personal and/or medical decisions on behalf of the member or policyholder. POA documentation is required prior to allowing this person to make changes on behalf of a member.
Spouses or child/student dependants that do not have membership authority can only make enquiries regarding their own product coverage or claims history. They can remove themselves from a membership without approval of the member.
The primary member can authorise a third party, not listed on the membership, to access personal and sensitive membership information and claim on behalf of the members.
Unsure about membership authorities or want to confirm who has access to your membership?
Please contact Frank.
Because sometimes your needs might change a little, you have a $500 freedom limit to claim on your 7 included extras services.
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.
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.
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.
