Basic Extras

from
$ 3.10*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote

Get extras cover for just the basics. Get the same amount back in your pocket every time you visit, up to your annual limits. Your limits will reset 1 January each year.

What’s covered?

Frank pays benefits towards services listed below. Benefits are calculated as a percentage of the provider fee up to annual limits.

  • General Dental
  • Physiotherapy
  • General & Preventative Dental

    Waiting Period

    2 months


    Includes dental treatments like check-ups, cleaning and fluoride treatments, x-rays, fillings and basic extractions.


    Annual limit

    $350 per person

    Fixed benefits and treatment limits apply. Contact Frank for a quote, prior to treatment. View Frank's Dental treatment rules here.

  • Physiotherapy

    Waiting Period

    2 months


    Physiotherapy is concerned with the assessment, diagnosis, and treatment of disease and disability through physical means.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Physiotherapy shares an annual limit with Chiropractic, Osteopathy, Acupuncture, Group Physiotherapy and Chinese Medicine.

    $200 per person

  • Chiropractic
  • Osteopathy
  • Chiropractic

    Waiting Period

    2 months


    Chiropractic care uses manual treatments (including spinal manipulations – termed ‘adjustments’) to treat disorders of the musculoskeletal system.

    Benefits will only be paid for one consultation and/or treatment per provider per day. Excludes chiropractic X-rays.


    Annual limit

    Chiropractic shares an annual limit with Physiotherapy, Osteopathy, Acupuncture, Group Physiotherapy and Chinese Medicine.

    $200 per person

    Excludes Chiropractic X-rays.

  • Osteopathy

    Waiting Period

    2 months


    Osteopathy is a holistic system of medicine that emphasises the inter-relationship of the body's nerves, muscles, bones and organs, and uses a ‘whole body’ approach to treatment.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Osteopathy shares an annual limit with Physiotherapy, Chiropractic, Acupuncture, Group Physiotherapy and Chinese Medicine.

    $200 per person

  • Acupuncture
  • Chinese Medicine Chinese Medicine
  • Acupuncture

    Waiting Period

    2 months


    Acupuncture is a broad term covering techniques for inserting and manipulating thin needles into specific points on the body in order to restore health and wellbeing.

    Benefits will only be paid for one consultation and/or treatment per provider per day. You cannot claim on any herbs, supplements or pills prescribed by the provider, only consultations.


    Annual limit

    Acupuncture shares an annual limit with Physiotherapy, Chiropractic, Osteopathy, Group Physiotherapy and Chinese Medicine.

    $200 per person

  • Chinese Medicine

    Waiting Period

    2 months


    Chinese herbal medicine takes a holistic approach to disease and prophylactic care and focuses as much on the prevention of illness as the treatment of it.

    Benefits payable towards consultations only and not on any herbs or medication purchases.


    Annual limit

    Chinese Medicine shares an annual limit with Physiotherapy, Chiropractic, Osteopathy, Group Physiotherapy and Acupuncture.

    $200 per person

Can I get more information?

With Basic Extras, regardless of your provider, you get the same amount back per visit, up to your annual limits. See your fact sheet below for a list of benefits per service.

Yes. Frank believes in freedom of choice, so we pay the same benefits to any registered provider. This means you can use your regular dentist or physio and still claim.

Yes, on most services you will have to serve a waiting period if you’re new to health insurance. With Frank (and most 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.

All Frank extras services have the following waiting periods:

  • 0 days for ambulance
  • 2 months for included extras (except for Optical, Major Dental, Podiatry Surgery and Orthotics)
  • 6 months for Optical
  • 12 months for Major Dental, Podiatry Surgery and Orthotics

Find out more about waiting periods here.

The good news is that waiting periods may not apply if you’re coming to Frank from another fund. Find out more about switching to Frank here.

Yes there are. This might make us sound mean but if you have a read, you'll see they're fair. If you’re interested, check out the list of things Frank won’t pay on here.

Important

Refer to the Basic Extras for full product information including annual limits, sub limits and waiting periods.

Information relating to this cover should be read and retained.

Basic Extras

from
$ 3.10*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote