- Hospital covers
- Extras covers
- Hospital and Extras bundles
- Freedom Flexi bundles
- Overseas Visitor Health Cover
What are Extras?
Extras (sometimes called ancillary cover) include cover for treatments like dental, optical, physio, chiro and other therapies.
These treatments aren’t usually done in hospital, so your hospital cover won’t kick in for them and they aren’t covered by Medicare. Without Extras cover you have to foot the whole treatment bill.
What Extras Cover is best for me?
Whether you want 80% back, 50% back, or the same amount back each time you visit, Frank makes it easy to get more back in your pocket.
If you only use a few services on the odd occasion throughout the year, Some Extras gives you dental, optical and therapy limits.
If you use lots of services, Lots Extras gives you bigger limits across lots of different treatment types and includes additional services that you won’t see in Some Extras like podiatry, psychology and travel vaccinations.
Want to be covered for psychology, exercise classes, skin checks and 100% back on optical? Check out Frank's Everyday Extras or More Extras.
If you want simple, great value cover for extras that you'll use, check out Frank Simple Extras.
How much will I get back?
This depends on your choice of extras. Some Extras and Lots Extras give you the choice of 50% or 80% back.
For Some Extras and Lots Extras, whatever the provider charges, we pay the % back that is included on your cover up to your annual limits. That means if you are charged $40 for a treatment you’ll get $20 (if you’re on Extras with 50% back) or $32 (if you’re on extras with 80% back). Choosing 80% back costs slightly more for the cover, but if you don’t go to providers often it will give you a higher benefit for a single visit and use your annual limits quicker. If you regularly see providers, choosing 50% will cost you a little bit less for the cover and allow you to stretch your limits out across the year.
Simple Extras, Everyday Extras and More Extras gives you the same amount back per visit (fixed benefits), 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. Plus, get 100% back on optical (Simple, Everyday & More Extras) and 100% back on orthodontics (More Extras only).
Do I have to use a specific provider?
No. We believe in freedom of choice, so we pay the same benefits to any registered provider. This means you can use your regular dentist, optometrist or physio and still claim.
Will I have to wait before I claim?
Yes, particularly if you’re new to health insurance. With our covers (and most other health insurers) you have to wait a specific amount of time between signing up and making your first claim. This is called a waiting period.
Waiting periods may not apply if you are switching from another fund.
The following table shows the waiting periods that apply.
|Frank's Extras cover waiting periods|
|12 months||Major Dental, Orthodontic, Orthotics and Podiatric Surgery|
|2 months||All other services|
|0 days||Ambulance subscription|
Are there services Frank won’t pay on?
Yes there are. It might make us sound mean, but if you have a read, you'll see they're fair. Read the full list of things Frank won’t pay on.
The cover information on this page should be read and retained.