Everyday Extras

from
$ 10.60*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income $97,000 or less Get a quote

6 weeks free + skip 2 & 6 month waits on extras when joining on combined cover by 20 September*

*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 six weeks free. Other waits (including hospital waits), annual and sub limits apply. Extras claims made with a previous fund count towards annual limits. Not available with any other offer or Frank OVHC. Offer ends 20 September 2024.

With Everyday Extras, you can enjoy cover for a wide range of services, including health maintenance benefits. Plus choose your own provider and get the same amount back in your pocket every time you visit, up to your annual limits.

Frank pays benefits towards services listed below. Your limits will reset on 1 January each year.

  • General Dental 
  • Major Dental 

  • 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  

    $600 per person 

    $1,200 per couple/family 

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

  • Major Dental

    Waiting Period  

    12 months

    Major Dental includes treatment for things like more complicated fillings, extractions, crowns, bridgework, dental implants, root canal treatment and indirect restorations.

    Excludes dentures.

    Annual limit  

    $800 per person 

    $1,600 per couple/family 

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

  • Optical 
  • Chiropractic 

  • Optical

    Waiting Period  

    6 months

    Includes prescription glasses, prescription sunglasses and prescription contact lenses

    Does not include non-prescription sunglasses, repairs or frames purchased without prescription lenses or ophthalmology appointments.

    Annual limit  

    $200 per person 

    $400 per couple/family 

    Benefit:
    100% back up to annual limit

  • 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 Osteopathy services.

    $350 per person 

    $700 per couple/family 

    Excludes Chiropractic X-rays.

  • Osteopathy 
  • Physiotherapy 

  • 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 Chiropractic services.

    $350 per person 

    $700 per couple/family 

  • 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 Hydrotherapy, Myotherapy, Exercise Physiology, Group Physiotherapy and Group Hydrotherapy services.

    $350 per person 

    $700 per couple/family 

  • Hydrotherapy 
  • Myotherapy 

  • Hydrotherapy

    Waiting Period  

    2 months

    Hydrotherapy uses specialist exercises that take place in a warm water pool to heal injuries and aid in rehabilitation.

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

    Annual limit  

      Hydrotherapy shares an annual limit with Physiotherapy, Myotherapy, Exercise Physiology, Group Physiotherapy and Group Hydrotherapy services.

    $350 per person 

    $700 per couple/family 

  • Myotherapy

    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.

    Annual limit  

      Myotheraphy shares an annual limit with Physiotherapy, Hydrotherapy, Exercise Physiology, Group Physiotherapy and Group Hydrotherapy services.

    $350 per person 

    $700 per couple/family 

  • Exercise Physiology 
  • Acupuncture 

  • Exercise Physiology

    Waiting Period  

    2 months

    Exercise Physiology can assist with the prevention and management of chronic diseases and injuries through exercise.

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

    Annual limit  

      Exercise Physiology shares an annual limit with Physiotherapy, Myotherapy, Hydrotherapy, Group Physiotherapy and Group Hydrotherapy services.

    $350 per person 

    $700 couple/family

  • 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 Chinese Medicine and Remedial Massage services.

    $350 per person 

    $700 per couple/family 

  • Chinese Medicine Chinese Medicine 
  • Remedial Massage 

  • 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  

      Acupuncture shares an annual limit with Acupuncture and Remedial Massage services.

    $350 per person 

    $700 per person 

  • Remedial Massage

    Waiting Period  

    2 months

    Remedial Massage is a combination of massage techniques used to treat injuries of the muscles, tendons, ligaments or connective tissues.

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

    Annual limit  

      Remedial Massage shares an annual limit with Acupuncture and Chinese Medicine services.

    $350 per person 

    $700 per couple/family 

  • Dietetics 
  • Psychology 

  • Dietetics

    Waiting Period  

    2 Months

    Dietetics looks at the science of nutritional planning and preparation of foods.

    Benefits only be paid for one consultation and/or treatment with a dietician per day.

    Annual limit  

    $350 per person 

    $700 per couple/family 

  • Psychology

    Waiting Period  

    2 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 with Frank. Once you are no longer eligible to claim with Medicare, then you can claim on this cover.

    Annual limit  

    $350 per person 

    $700 per couple/family 

  • Emergency Ambulance 
  • Pharmacy 

  • Emergency Ambulance

    Waiting Period  

    0 days

    Frank covers you for emergency Ambulance services by a recognised provider Australia wide.

    Does not include cover for non-emergency ambulance transport i.e. from a hospital to your home or ambulance transfers between hospitals. You are not covered for emergency ambulance where you are already covered by publicly funded ambulance services or State Government transport schemes or other schemes.

  • Pharmacy

    Waiting Period  

    2 months

    Benefits cannot be paid for PBS Scripts, contraceptives, items not on the TGA Register or items purchased overseas. Pharmaceuticals must be classed as either Schedule 4 or Schedule 8 for benefits to be paid.

    Benefits are payable for selected travel vaccinations administered by a doctor or at a vaccine clinic if you have a pharmacy receipt, doctor's account or vaccine clinic account. Find out what travel vaccinations are covered here.

    Annual limit  

      Pharmacy shares an annual limit with Travel Vaccinations.

    $350 per person 

    $700 per couple/family 

  • Travel Vaccinations 

  • Travel Vaccinations

    Waiting Period  

    2 months

    Benefits are payable for selected travel vaccinations administered by a doctor or at a vaccine clinic if you have a pharmacy receipt, doctor's account or vaccine clinic account. Find out what travel vaccinations are covered here.

    A sublimit of $45 per vaccination applies.

    Annual limit  

      Travel Vaccinations shares an annual limit with Pharmacy.

    $350 per person 

    $700 per couple/family 

Can I get more information?

With Everyday Extras, regardless of your provider, you get the same amount back per visit, up to your annual limits. Everyday Extras also offers 100% back on optical, up to 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, optometrist 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, Podiatric Surgery and Orthotics)
  • 6 months for Optical
  • 12 months for Major Dental, Podiatric 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 Everyday Extras for full product information including annual limits, sub limits and waiting periods.

Information relating to this cover should be read and retained.

Everyday Extras

from
$ 10.60*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income $97,000 or less Get a quote