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Bundables $750
Inclusions
Get ready to roll and enjoy an extra 12 months to claim on unused benefits with Frank’s awesome annual limit rollover.
How does it work?
- Stick with Frank on your Bundables extras cover for 12 months and carry over unused limits when the new year rolls around
- Frank Bundables annual limits reset or roll over on 1 January each year
- You’ll just have to use your new year’s annual limit before you can start spending the limit rolled over from the previous calendar year.
Includes general and preventative dental services like routine check-ups, cleaning and fluoride treatments, x-rays, fillings and basic extractions.
Contact Frank for a quote, prior to treatment.
View Frank's dental treatment rules
Benefit
50%
Annual limit (sub-limit)
$375 per policy, per calendar year
Combined $750 annual limit for included services
Waiting period
2 months
Major dental includes treatment for things like more complicated fillings, extractions, crowns, bridgework, dental implants, root canal treatment, indirect restorations and occlusal therapy.
Excludes dentures.
Benefit
50%
Annual limit (sub-limit)
$375* per policy, per calendar year
*Major dental sub-limit is shared with orthodontics
Combined $750 annual limit for all included services
Waiting period
12 months
Includes treatment options to bring the teeth and jaw into alignment such as braces, plates and fixed or removable retainers.
Orthodontic treatment has a lifetime limit.
Benefit
50%
Annual limit (sub-limit)
$375* per policy, per calendar year
*Orthodontics sub-limit is shared with major dental
Combined $750 annual limit for all included services
Lifetime limit of $1,500 applies per person
Waiting period
12 months
Includes prescription glasses, prescription sunglasses and prescription contact lenses.
Doesn't include non-prescription sunglasses, repairs or frames purchased without prescription lenses or ophthalmology appointments.
Benefit
50%
Annual limit (sub-limit)
$375 per policy, per calendar year
Combined $750 annual limit for included services
Waiting period
6 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.
Includes group consultations.
Benefit
50%
Annual limit (sub-limit)
$375 per policy, per calendar year
Combined $750 annual limit for included services
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.
Benefit
50%
Annual limit (sub-limit)
$375 per policy, per calendar year
Combined $750 annual limit for included services
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.
Benefit
50%
Annual limit (sub-limit)
$375 per policy, per calendar year
Combined $750 annual limit for included services
Waiting period
2 months
Remedial massage is a combination of massage techniques used to treat injuries of the muscles, tendons, ligaments or connective tissue.
Benefits will only be paid for one consultation and/or treatment per provider per day.
Benefit
50%
Annual limit (sub-limit)
$375 per policy, per calendar year
Combined $750 annual limit for included services
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.
Benefit
50%
Annual limit (sub-limit)
$375 per policy, per calendar year
Combined $750 annual limit for included services
Waiting period
2 months
Myotherapy is muscle therapy used to relieve pain based on applying pressure at trigger points throughout the body. Myotherapy treatments focus on muscular injury prevention and rehabilitation.
Benefits will only be paid for one consultation and/or treatment per provider per day.
Benefit
50%
Annual limit (sub-limit)
$375 per policy, per calendar year
Combined $750 annual limit for included services
Waiting period
2 months
Includes benefits for consultations with a registered podiatrist and treatment of conditions affecting the feet and lower limbs.
If you have podiatric surgery in a hospital performed by a registered podiatric surgeon and your extras cover includes podiatry and waits have been served, this will assist in covering the surgeon's fees.
Benefit
50%
Annual limit (sub-limit)
$375* per policy, per calendar year
*Podiatry sub-limit is shared with orthotics (foot)
Combined $750 annual limit for all included services
Waiting period
2 months – standard and comprehensive treatment
12 months – surgical procedures
Orthotics are custom foot supports designed to support the feet and correct any lower limb problems.
Benefits can only be claimed if the orthotics are custom made (from a cast or mould taken from you) by a podiatrist in a private practice.
Benefit
50%
Annual limit (sub-limit)
$375* per policy, per calendar year
*Orthotics (foot) sub-limit is shared with podiatry
Combined $750 annual limit for all included services
Waiting period
12 months
Psychologists work with patients to gain an understanding of their mind and how it impacts their behaviour. Generally this is done through group or one-on-one discussions.
If you’re entitled to a Medicare rebate on your psychology sessions, you cannot claim your out-of-pocket expenses with Frank. Once you are no longer eligible to claim with Medicare, then you can claim on this cover.
Benefit
50%
Annual limit (sub-limit)
$375* per policy, per calendar year
*Psychology sub-limit is shared with mental health support
Combined $750 annual limit for all included services
Waiting period
2 months
Includes individual and group consultations with counsellors, mental health social workers and mental health nurses.
Benefit
50%
Annual limit (sub-limit)
$375* per policy, per calendar year
*Mental health support sub-limit is shared with psychology
Combined $750 annual limit for all included services
Waiting period
2 months
Extras FAQs
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 extras services – when included on your cover – are as follows:
0 days
Emergency ambulance transport and subscriptions.
2 months
Any services that are not specified below.
6 months
Optical
12 months
Major dental, orthodontics, podiatric surgery, orthotics (foot) and medical devices.
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.
Extras policies can have different types of limits, which vary by service or treatment. You can check these in the fact sheet for your cover at any time.
Here’s an outline of the limit types on Frank Bundables:
- Annual limit – 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 within the overall annual limit.
- Combined limits – This is a single limit that can be used across a collection of services.
- Lifetime limit – The maximum amount a person can claim for a service during the entire lifetime of a membership. This applies for orthodontic treatment, per person on the membership.
We work on a calendar year, so your annual 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 annual 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.
Good news: with Frank Bundables you can!
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.
Remaining extras annual limits for most services can be checked in the Frank app or member area, once extras 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.
Disclaimer
Rates are effective 1 April 2025. | All contribution quotes by this calculator are subject to variation and should therefore be considered indicative contribution rates. | All prices include the Australian Government Rebate on private health insurance as per selected income level and do not include any applicable Lifetime Health Cover loading. | All payments are only available via direct debit from a bank/ credit union account. | Frank does not issue payment notices or invoices.
