Basic Extras
Get extras cover and save 15% - 40%* off dental treatments with smile.com.au
*Savings may vary between dentists. It is recommended that members obtain a quote prior to treatment.
Basic Extras
Basic Extras
Get extras cover and save 15% - 40%* off dental treatments with smile.com.au
*Savings may vary between dentists. It is recommended that members obtain a quote prior to treatment.
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.
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General Dental
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Physiotherapy
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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.
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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
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Chiropractic
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Osteopathy
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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.
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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
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Acupuncture
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Chinese Medicine
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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
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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
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.
