Extras cover
Cover for dental, optical and more. Extras cover with Frank, made easy!
Want 6 weeks free?
6 weeks free + skip 2 month waits on extras* when joining on combined cover.
See terms and conditions6 weeks free + skip 2 month waits on extras* when joining on combined cover.
*For new members who have not been a member during the last 12 months, joining on combined hospital and extras cover, paying by direct debit. Must pay first month to receive offer. Other waits (including hospital waits), annual and sub limits apply. Extras claims made with a previous fund count towards annual limits. Offer only available via Frank website or phone joins. Not available with any other offer or Frank OVHC. Frank may end this offer at any time without notice.
Frank Hospital & Extras Covers
What is extras cover?
Extras cover (also known as ‘ancillary cover’) is exactly what it sounds like: cover for all the extra bits. Think dental. Optical. Physio. Chiro. All the stuff not usually covered by Medicare. Without extras health insurance, you might have to pay the full cost of these services yourself. (Extras cover won't contribute towards things like hospital admissions either, check out our hospital cover for that).
Benefits of extras cover
More in your pocket
With extras cover, you'll get benefits on all sorts of eligible treatments and services from physio to chiro (up to your annual limits).
Flexible Extras
Frank extras cover helps take the sting out of everyday health services, with benefits paid back on included services up to your annual limits.
Our Bundable Extras, available when combined with hospital cover, give you 50% back across all included services (up to your annual limits), with one shared annual extras limit everyone on the policy shares and access to annual limit rollover*
*Available with eligible hospital cover, after 12 months of continuous cover on the same Bundables cover, unused annual limits on eligible services roll over on 1 January and expire after 12 months, new year’s annual limit must be reached before rolled over limit is accessed. Annual limits, sub-limits and waiting periods apply.
Cover for everyone
Easy, Everyday and More Extras, and now Bundables. Frank offers affordable, great-value extras for different needs and budgets.
Our Bundable Extras keep everyone on the policy drawing from one shared limit, same benefits, just choose the limit that works for you.
Freedom of choice
With Frank, you're not locked into one provider. As long as they're a registered private practice with a recognised body that's approved by Frank, the services they provide are included on your cover, and you have remaining limits, and served your waiting periods, then you're good to go.
Dental savings
Thanks to Frank's partnership with smile.com.au, you can save up to 15% - 40% off* all dental treatments performed by a smile.com.au approved dentist. These savings are in addition to your existing Frank dental benefits.
Find out more about extras cover that include dental.
* Savings may vary between dentists. It is recommended that members obtain a quote prior to treatment. Must have extras cover.
Choose your extras cover
Bundable Extras
Extras cover with 50% back on all included services (up to your annual limits), taken from one shared annual limit for everyone on the policy. Same benefits across the range, you just choose the limit that works for you. Available when combined with a Frank hospital cover.
Learn more
Easy Extras
Cover for the essentials that’s easy on the pocket with perks like remedial massage, acupuncture and Chinese medicine included.
Everyday Extras
All your usual suspects like general dental, physio and optical, plus everyday essentials like, psychology, exercise classes* and skin checks.
*The gym membership/exercise classes must be recommended by a health care professional, such as your GP, to manage a specific health condition(s) and must be conducted by a personal trainer.
More Extras
Even more bang for your buck. More Extras includes things like health maintenance, orthodontics and podiatry.
What extras cover is right for me?
When choosing your extras cover, there are a few things to think about. First, inclusions: which services do you actually use, and what do you want covered?
Second, limits: higher limits mean more you can claim, and more money back in your pocket. And finally, how simple you want things to be.
With Easy, Everyday and More extras, you get a set amount of money back on included services, up to your annual limits.
If you’d rather keep it even simpler, our Bundable Extras range gives you 50% back across all included services (up to your annual limits), with one shared annual limit for everyone on the policy, no juggling multiple limits.
I want 50% back
If you use extras services often, choosing 50% back can be a smart way to keep your premiums down while stretching your annual limits further. Our Bundable Extras offers 50% back (up to your annual limits), with the added simplicity of one shared limit across the policy, so everyone can dip into the same pool as needed.
I want the same amount back every time
Easy Extras, Everyday Extras and More Extras give you a set amount back per visit (fixed benefits up to annual limits), regardless of how much your provider charges you. This makes cost-tracking and budgeting easy.
How does extras health insurance work in Australia?
Our members pay an annual premium (which can be paid weekly, fortnightly, monthly, quarterly, half yearly or yearly) for their extras cover, and that premium gives them a certain annual limit on what they can claim. The higher your cover, the higher the premium, the more benefits you can enjoy. Extras is a tool that helps you budget for and manage the day-to-day expenses of maintaining your health.
How to claim extras with Frank
- Choose a service covered by your policy.
- Find a registered health service provider.
- Tap your Frank digital card or swipe your member card when you pay for your treatment/service, and Frank will pay the provider directly - you just pay the difference.
If your healthcare provider doesn't do claiming at point of service, don't worry, you can pay the account in full and then submit a claim via Frank's app or member area.
Is it better to bundle hospital and extras cover?
First, let's clear up some of the differences between hospital and extras cover.
Hospital cover
- Contributes to the costs associated when you are admitted to hospital as a private patient. Like surgery, accommodation, anaesthetists and such.
- Can give you the flexibility to choose your specialist.
- Does not include cover for GP visits, emergency or outpatient visits, or non-hospital services, like dental or diagnostic imaging and tests performed when you’re not admitted to hospital.
- Can help you avoid the Medicare Levy Surcharge (MLS) if you’re a high-income earner, and Lifetime Health Cover Loading (LHC) if you’re under 31 years of age.
Extras cover
- Covers you for out-of-hospital treatments generally not covered by Medicare (dental, optical, physio etc.).
- Provides flexibility and peace of mind when it comes to day-to-day health stuff including budgeting the cost of consultations.
- Can be purchased individually, or combined with hospital cover.
Our Bundable Extras are designed to be paired with Frank hospital cover, because some things just make more sense together.
When you get Bundable Extras with hospital, you get affordable hospital cover plus straightforward extras, all in one place. Everyone on the policy shares one annual extras limit, with 50% back on included services (up to your annual limits) and your unused annual limits roll over*
Same benefits across all Bundable Extras. Just choose the annual limit that suits you, combine it with hospital cover, and you’re good to go.
*Available with eligible hospital cover, after 12 months of continuous cover on the same Bundables cover, unused annual limits on eligible services roll over on 1 January and expire after 12 months, new year’s annual limit must be reached before rolled over limit is accessed. Annual limits, sub-limits and waiting periods apply.
Is extras tax deductable
Extras health insurance isn’t tax deductible, unfortunately, but you can get some of the cost back via the Australian Government Rebate on private health insurance (if eligible). This is an income-tested rebate (let’s just call it a premium reduction) on the cost of your private health insurance. And it applies to hospital cover, too!
Extras cover and the Medicare Levy Surcharge (MLS)
If you’re a high-income earner, it’s important to remember that extras cover, by itself, won’t exempt you from the Medicare Levy Surcharge. This is basically an additional government tax, on top of the regular Medicare Levy payment, designed to get more people taking out hospital insurance. To avoid the surcharge, you’ll either need private hospital cover, or a combination of hospital and extras cover.
Cancer Council UV Products
If you have health management services within your extras, you may be eligible to claim Cancer Council UV products through your Frank policy.
Read more about Frank's affordable extras covers here.
Extras cover FAQs
You need to read your extras policy carefully before signing up, to make sure the services covered are exactly the ones you want. On top of that, there are a few things we straight-up don’t cover. 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.
Nope. We believe in freedom of choice, so we pay the same benefits to any private practice that is registered with recognised bodies approved by Frank. As long as they meet this requirement, it means you can use your regular dentist, optometrist or physio and still claim (annual limits and waiting periods apply).
Extras cover is private health insurance for health services outside hospital that are generally not covered by Medicare. Stuff like dental, optical, physio and chiro. If you use these services a lot, it’s usually a good idea to take out extras health insurance. That way you get some money back in your pocket. Each time you use a service you’re covered for, Frank will chip in some of the cost (up to your annual limit). It’s a good way to stay on top of your day-to-day healthcare needs.
That depends on your choice of extras, and how much you’d like to pay for them. Some Extras and Lots Extras give you the choice of 50% or 80% back on services (up to the annual limits), while other policies, like Simple Extras, Everyday Extras and More Extras, pay a benefit at the same flat rate, no matter how much the provider charges. Each way has pros and cons. It’s up to you to decide which matters more: cheaper premiums, the annual limit you get to claim up to, more flexibility, or better value on each visit.
Sometimes, particularly if you’re new to health insurance. With our covers (and this goes for all 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. It’s meant to stop people taking out cover, getting the full benefit, then running for the hills. Waiting periods won’t apply if you’re switching from another health fund, unless you’re trying to increase your level of cover.
The following table shows the waiting periods that apply (depending on what's included in your cover, check your fact sheet for more information).
| Extras cover | |
|---|---|
| 12 months | Major Dental, Orthodontics, Orthotics, Podiatric Surgery, Hearing Aids and Blood Glucose Monitors |
| 6 months | Optical |
| 2 months | Acupuncture, Chiropractor, Dietetics, Exercise Physiology, General and Preventative Dental, Hydrotherapy, Myotherapy, Osteopath, Pharmacy, Physiotherapy, General Podiatry, Psychology, Remedial Massage, Speech Therapy |
| 0 days | Ambulance subscription or transport (depending on your level of cover). See your fact sheet for more information. |
You can find further information on waiting periods here.
The cost of private health insurance can vary! The amount you’ll pay for your premium (that’s the amount you pay to your health insurer) will depend on the type and level of cover you pick.
A few personal details like your age when you first take out and maintain private health insurance hospital cover, income, where you live and who needs to be covered on your policy (just you, you and your partner, or kids too) will also determine if any rebates, discounts or loadings will apply.
And there are a couple of things that may impact the amount you pay on your premiums, such as Lifetime Health Cover (LHC) loading, and the age-based discount.
Frank Hospital & Extras Covers
Frank's extras only covers
* 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 |
| Health appliances including nebuliser pump, blood glucose monitor, pressure garments, sleep apnoea monitor, extremity pump, hearing aids, orthopaedic appliances (GMHBA approved), prostheses (GMHBA approved non-surgical), tens monitor, podiatry surgical procedures and orthotic appliances (foot). Waiting Period: 12 Months |
| Hospital services (when included on cover) |
|---|
| 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.
6 weeks free + skip 2 month waits on extras* when joining on combined cover.
*For new members who have not been a member during the last 12 months, joining on combined hospital and extras cover, paying by direct debit. Must pay first month to receive offer. Other waits (including hospital waits), annual and sub limits apply. Extras claims made with a previous fund count towards annual limits. Offer only available via Frank website or phone joins. Not available with any other offer or Frank OVHC. Frank may end this offer at any time without notice.
Freedom limit, flex it your way
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.
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.
