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Everyday Extras
Inclusions
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
Fixed benefits and treatment limits apply
Periodic oral examination (012) – $32.60
Scale & clean (114) – $66.20
Fluoride treatment (121) – $19.70
Annual limit
$600 per person, per calendar year
$1,200 per couple/family, per calendar year
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
Fixed benefits and treatment limits apply
Surgical tooth extraction (322) – $116.40
Full crown veneered (615) – $520.00
Annual limit
$800 per person, per calendar year
$1,600 per couple/family, per calendar year
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
100%
Annual limit
$200 per person, per calendar year
$400 per couple/family, per calendar year
Waiting period
6 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
$36 per visit
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Chiropractic annual limit is shared with 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.
Benefit
$36 per visit
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Osteopathy annual limit is shared with chiropractic
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.
Benefit
$42 per visit
$18 per visit for group physiotherapy
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Physiotherapy annual limit is shared with group physio classes, exercise physiology, hydrotherapy, group hydrotherapy and myotherapy
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.
Benefit
$33 per visit
$15 per visit for group hydrotherapy
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Hydrotherapy annual limit is shared with physiotherapy, group physio classes, exercise physiology, and 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.
Benefit
$30 per visit
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Myotherapy annual limit is shared with physiotherapy, group physio classes, exercise physiology, hydrotherapy and group hydrotherapy
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.
Benefit
$30 per visit
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Exercise physiology annual limit is shared with physiotherapy, group physio classes, hydrotherapy, group hydrotherapy and myotherapy
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
$36 per visit
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Acupuncture annual limit is shared with Chinese medicine and 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 tissue.
Benefits will only be paid for one consultation and/or treatment per provider per day.
Benefit
$30 per visit
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Remedial massage annual limit is shared with acupuncture and Chinese medicine
Waiting period
2 months
Dietetics looks at the science of nutritional planning and preparation of foods.
Benefits will only be paid for one consultation and/or treatment per provider per day.
Benefit
$45 per visit
Annual limit
$350 per person, per calendar year
$700 per couple/family, per calendar year
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 expenses with Frank. Once you are no longer eligible to claim with Medicare, then you can claim on this cover.
Benefit
$50 per visit for individual psychology consultation
$50 per visit for individual hypnotherapy consultation (by a psychologist)
$25 per visit for group psychology
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Psychology annual limit is shared with group psychology and hypnotherapy (by a psychologist)
Waiting period
2 months
Coverage 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.
Coverage for emergency ambulance services, Australia-wide. See service description for conditions of coverage.
Waiting period
0 days
Pharmaceuticals must be classed as either Schedule 4 or Schedule 8 for benefits to be paid. A sub-limit per script (after PBS co-payment deduction) applies. Benefits cannot be paid for PBS scripts, contraceptives, items not on the TGA register or items purchased overseas.
Benefit
$45 per script (after PBS co-payment deduction)
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Pharmacy annual limit is shared with 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 which travel vaccinations are covered here. A sub-limit per vaccination applies.
Benefit
$45 per vaccination
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Travel vaccinations annual limit is shared with pharmacy
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.
Benefit
$36 per visit
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Chinese medicine annual limit is shared with acupuncture and remedial massage
Waiting period
2 months
Health maintenance includes eligible Cancer Council UV products, disease management courses, exercise classes~, gym memberships~, flu vaccination, health checks, skin cancer checks, quit smoking programs^, nicotine replacement patches, stress management courses and weight management programs.
~Exercise classes and gym memberships require a Gym Membership/Exercise Class Approval Form to be completed by a healthcare provider. Excludes Fitness Passport memberships.
^Quit smoking program (per course) requires doctor's letter of recommendation.
Benefit
Fixed benefits apply for each included service. See your product fact sheet for more information
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Health maintenance annual limit is shared between eligible Cancer Council UV products, disease management courses, exercise classes, gym memberships, flu vaccination, health checks, skin cancer checks, quit smoking programs, nicotine replacement patches, stress management courses and weight management programs
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.
- Annual limit – Frank extras annual limits run on a calendar year (January to December) and reset 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 apply to each person on the membership, unless otherwise stated. Note that some services also have a multi-year limit or lifetime limit (see below).
- Person limit – The total amount each person on the membership can claim on a service within a calendar year.
- Membership limit – The maximum amount that can be claimed for a membership in a calendar year. These limits are shared between all people on the membership.
- 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.
- Multi-year limit – The maximum amount you can claim, every few years. Multi-year limits reset after the specified number of years on the anniversary date for each claim in a particular service category.
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.
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 for 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.
With set benefits you’ll 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.
Percentage back extras cover allows you to get a percentage of the overall charge back each time you claim, 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.
