How much will I get back?
This depends on your choice of extras. You can choose between a cover that lets you claim a percentage back (% back) or a set amount back per visit (fixed benefits).
For example, with Frank Bundables, whatever the provider charges for a service included on your cover, we’ll split the bill and pay 50% back – up to your sub-limits or annual limit. That means if you’re charged $40 for a treatment, you’ll get $20 back.
On a fixed benefit cover like our Everyday Extras you're going to get the same amount back for a treatment or service item, regardless of how much your provider charges you. This makes it simple to work out how many visits you can get in a calendar year.
Let’s compare the two benefits for a hypothetical physio consult that costs $110, and assuming waits had been served and you had limits remaining.
What are limits?
On most extras covers there are annual limits which reset (or roll over) on 1 January each year.
- Annual limits are the maximum amount that you can claim in a calendar year.
- Sub-limits are like ‘mini caps’ and refer to the maximum amount that can be claimed for a specific service or treatment within that service.
Limits can apply per person or per membership, depending on your extras cover.
Once you’ve claimed the maximum limits for your cover within the calendar year, Frank will stop paying benefits. There can also be a limit on the amount of times you can claim the same treatment in a certain time period, e.g. for dental.
How do I know what my limits are?
Frank's annual limits can differ depending on the extras cover you have. Get all the details in the fact sheet for your cover and check your remaining limits in the Frank app or member area.
How do I claim?
Claiming extras is really easy. Most of the time, it just involves tapping or swiping your Frank card at your provider’s terminal when you receive the service. We pay the provider directly (if the service is included under your cover and you have available limits) and you’ll pay the provider the rest of the bill.
If your provider doesn’t have electronic claiming facilities, you’ll need to pay the account in full and submit a claim to Frank for a refund. You can do this via the Frank app or member area.
There are some exceptions to this, like for orthodontics, so check out our How to claim page for more information.
Do I have to use a specific provider?
No. We believe in freedom of choice, so as long as your provider is registered with the appropriate board for their field, we pay the same benefits. This means you can use your regular dentist, optometrist or physio and still claim (as long as the service is included in your cover of course).
