Bundables
Say hey to Bundables, Frank's new way to do extras
Simple, flexible, and made for people who want health cover that actually makes sense.
Only available with eligible open hospital covers.
Sub-limits apply.
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Pick your annual limit$250, $500, $750, $1,000, $1,500, or $2,000 to use across included services each calendar year.
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No more wasted limitsOne flexible limit for everyone on the membership to share (or choose to use it all if you want).
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Annual limit rolloverStay on your Bundables cover for 12 months then start rolling over unused limits to the following calendar year.
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11 included servicesGet money back on essentials like dental, optical, physio and more, without spending a fortune.
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50% back on all claimsKnow what you’ll get back every time and claim confidently knowing we’ll split the bill.
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Available with combined cover onlySelect an eligible hospital cover to unlock Frank's Bundable Extras.
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.
Frank's Hospital and Bundable Extras
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Basic Plus Hospital & Bundables $250
Entry hospital and extras with a $250 flexible limit to spend your way on included services with $125 sub-limits.
Hospital cover
Includes 4 clinical categoriesExtras cover
View cover
50% back on claims
Annual limit rollover -
Bronze Plus Hospital & Bundables $1,000
Mid hospital and extras with a $1,000 flexible limit to spend your way on included services with $500 sub-limits.
Hospital cover
Includes 22 clinical categoriesExtras cover
View cover
50% back on claims
Annual limit rollover -
Silver Plus Hospital & Bundables $1,500
High hospital and extras with a $1,500 flexible limit to spend your way on included services with $750 sub-limits.
Hospital cover
Includes 31 clinical categoriesExtras cover
View cover
50% back on claims
Annual limit rollover
We get it, life's not one-size-fits all
Some weeks you’re training for a fun run. Others, you’re recovering from sitting funny at your desk. Maybe you’re all about self-care Sundays or just want to keep your smile bright without breaking the bank.
Whatever your thing is, Bundables gives you the freedom to choose the extras cover that suits you. No unnecessary add-ons. No confusing fine print. Just good-value cover you’ll actually use.
How Bundables work
Annual limits and how they work
Your annual limit’s for everyone on the membership to share. The sub-limit for individual or grouped services will be half this limit.
Find out moreAnnual limit rollover and how it works
After 12 months on your Bundables cover, you can carry over any unused limits when the new year rolls around. Conditions apply.
LEARN MOREPercentage back vs. set benefits
Frank always goes you halves on Bundables claims instead of paying set benefits that vary by service. Waiting periods and limits apply.
Compare coversWhich services are included?
Choose how to use your limits and spend across 11 popular services including general and major dental, optical, physio and remedial massage.
View servicesAdditional mental health support
Access individual or group sessions with a psychologist, counsellor, mental health nurse or mental health social worker. Telehealth benefits are also available.
Find out moreCost-effective extras for families
With Bundables you’ll only pay a bit more for extras when you add your loved ones, doesn't matter if it’s for you and your partner, or the whole brood.
GET A QUOTEReady to bundle up?
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The benefits of combined coverView coversBuild a cover that fits your lifestyle, your budget and your future with your choice of hospital and extras.
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Get more say in your health careAbout hospitalChoose your doctor, avoid public hospital waiting lists for elective procedures and get seen sooner.
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Everyday value, for your healthAbout extrasLower your out-of-pockets for essential health care services like dental, optical, physio and more.
Choose how you use your limits and pick from the extras you care about most:
Dental – Keep your teeth in top form with check-ups, cleans, and treatments.
Physio – Bounce back from workouts, injuries, or long hours hunched over your laptop.
Optical – Prescription glasses, sunnies, contacts, because seeing clearly shouldn’t cost a fortune.
Wellness – Treat yourself to remedial massages, mental health consults, and other feel-good therapies.
Alternative therapies – Explore acupuncture, chiropractic, and other natural health options.
Why choose Frank?
Not for profit
We’re here for our members, not shareholders, so we can focus on offering great-value cover.
Meet FrankClear cover, no surprises
We’ll always tell you exactly what’s included and what’s not. No fine print.
View covers30 day cooling off period
Cancel within 30 days of joining and we’ll refund any premiums paid (if you haven’t made a claim).
View coversChoose your own provider
Your health care, your choice. As long as they’re recognised, you can stick with your preferred provider.
About extrasBundables FAQs
- General and preventative dental
- Major dental and orthodontics
- Optical
- Physiotherapy
- Chiropractic
- Osteopathy
- Remedial massage
- Acupuncture
- Myotherapy
- Podiatry and orthotics (foot)
- Psychology and mental health support
This is the time between when you first take out or upgrade your health insurance and when you're covered for a treatment or service if it’s included on your cover.
Extras waiting periods apply to:
New members to health insurance, existing members who have upgraded their cover, additional members added onto a policy* or anyone who has transferred to Frank from a previous fund and:
- Still have waiting periods to finish serving
- Joined on a higher level of cover and haven't served waits on any new services or increased benefit limits
- Had a gap in their extras cover for more than 30 days.
*Exceptions apply for newborns, adopted and permanent foster children (where the single parent or family membership has at least two months of continuous cover).
Waiting periods for services on Frank Bundables are:
2 months
General and preventative dental, physiotherapy, chiropractic, osteopathy, remedial massage, acupuncture, myotherapy, podiatry (general treatment), psychology and mental health support.
6 months
Optical.
12 Months
Major dental, orthodontics, podiatric surgery and orthotics (foot).
- Annual limit – On Frank Bundables, annual limits are the maximum amount that can be claimed for a membership in a calendar year (January to December). Annual limits reset or roll over – if eligible – on 1 January. If you use all your limit in one year, you’ll have to wait until 1 January the following year to start claiming benefits again. Annual limits on Frank Bundables are shared between all people on the membership. Note that orthodontics also has a lifetime limit (see below).
- Sub-limit – The total amount you can claim on a particular service or treatment (or group of services) within the overall annual limit.
- Combined limit – This is a single limit that can be used across a collection of services e.g. major dental and orthodontics, podiatry and orthotics (foot), and psychology and mental health support.
- Lifetime limit– The maximum amount a person can claim for a service during their lifetime. This applies for orthodontic treatment, per person on the membership.
Good news: with Frank Bundables you can roll over unused limits into the following year.
How does it work?
Stick with Frank on your Bundables extras cover for 12 months to become eligible. Then, when the new year rolls around, you’ll be able to carry over unused benefits and enjoy an extra 12 months to claim.
Your new year’s annual limit will need to be reached before you can start spending the limit rolled over from the previous calendar year.
We work on a calendar year, so your limits run from January to December and reset or roll over* on 1 January each year. If you’ve reached your limit before the end of the calendar year, you’ll have to wait until the new year for your limits to reset.
*Frank’s annual limit rollover is offered on combined hospital and Bundables extras covers only. With annual limit rollover, you can get an extra 12 months to claim unused benefits rolled over from the previous calendar, provided you’ve been on the same Bundables cover for a minimum of 12 months.
You can check your remaining annual limits for each Bundables service in the Frank app or member area, once waiting periods have been served.
When you claim on an eligible service on your extras cover, you’ll only pay the difference between what you get back from Frank and the cost set by your provider.
On Frank Bundables, we’ll split the bill for all claims up to your sub-limits or annual limit.
With set benefits – not offered on Frank Bundables – you receive a set amount back from Frank to cover part of your cost for each item or service, up to your annual per person or per membership limit.
We let you choose your own provider; it’s your health after all. For members to claim with Frank, providers must hold active accreditation, be operating in a private practice and considered an Australian provider.
Looking for a new dentist, optometrist or physio? Try this handy search tool to find an extras provider near you and browse by type, name, specialty or treatment.
We've partnered with smile.com.au to make dental care more affordable and accessible for our members across Australia. This means lower out-of-pocket costs for all dental treatment, as smile.com.au dentists will reduce their fees by at least 15%.
With more than 4,000 approved dentists in the smile.com.au network, chances are there is one near you. Find a smile.com.au dentist.
