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Inclusions
Includes dental treatments like check-ups, cleaning and fluoride treatments, x-rays, fillings and basic extractions.
Fixed benefits and treatment limits apply. Contact Frank for a quote, prior to treatment. View Frank's dental treatment rules here
Annual limit:
$600* per person
$1,200* per couple/family
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.
Fixed benefits and treatment limits apply. Contact Frank for a quote, prior to treatment. View Frank's dental treatment rules here
Annual limit:
$1,000* per person
$2,000* per couple/family
Orthodontic treatment includes braces or a plate.
Orthodontic treatment has an annual limit, a treatment limit and a lifetime limit.
A lifetime limit applies to orthodontic services.
Annual limit per person:
100% up to $600*
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% back up to annual limit
Annual limit:
$250 per person
$500 per couple/family
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. A sub-limit of 1 per year applies to chiropractic X-rays on products which cover chiropractic X-rays.
* Chiropractic annual limit is shared with osteopathy services. Excludes chiropractic x-rays.
Benefit:
$39 per visit
Annual limit:
$400* per person
$800* per couple/family
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.
* Osteopathy annual limit is shared with chiropractic services.
Benefit:
$39 per visit
Annual limit:
$400* per person
$800* per couple/family
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.
* Physiotherapy annual limit is shared with group physio classes, exercise physiology, hydrotherapy, group hydrotherapy and myotherapy services
Benefit:
$44 per visit
Benefit for group physiotherapy:
$20 per visit
Annual limit:
$400* per person
$800* per couple/family
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.
* Hydrotherapy annual limit is shared with physiotherapy, group physio classes, exercise physiology, and myotherapy services
Benefit:
$35 per visit
Benefit for group hydrotherapy:
$16 per visit
Annual limit:
$400* per person
$800* per couple/family
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.
* Myotherapy annual limit is shared with physiotherapy, group physio classes, exercise physiology, hydrotherapy and group hydrotherapy services
Benefit:
$35 per visit
Annual limit:
$400* per person
$800* per couple/family
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.
* Exercise physiology annual limit is shared with physiotherapy, group physio classes, hydrotherapy, group hydrotherapy and myotherapy services
Benefit:
$35 per visit
Annual limit:
$400* per person
$800* per couple/family
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.
* Acupuncture annual limit is shared with chinese medicine and remedial massage
Benefit:
$36 per visit
Annual limit:
$400* per person
$800* per couple/family
Remedial massage is a combination of massage techniques used to treat injuries of the muscles, tendons, ligaments or connective.
Benefits will only be paid for one consultation and/or treatment per provider per day.
* Remedial massage annual limit is shared with acupuncture and chinese medicine services
Benefit:
$30 per visit
Annual limit:
$400* per person
$800* per couple/family
Podiatry treats disorders of feet and lower limbs.
If you have podiatric surgery in a hospital performed by an orthopaedic surgeon, then this would be part of a hospital cover. Your extras cover doesn’t get used. If you have podiatric surgery in hospital by an approved podiatric surgeon (there are only a few in Australia), if your extras cover includes podiatry it will assist in covering the surgeon's fees. Benefits from hospital expenses, theatre fees etc. would be payable from a relevant health cover.
* Podiatry annual limit is shared with orthotics services
Benefit:
$50 per visit
Annual limit:
$400* per person
$800* per couple/family
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.
* Orthotics annual limit is shared with podiatry services.
Sub-limits apply.
Annual limit:
$400* per person
$800* per couple/family
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:
$50 per visit
Annual limit:
$400* per person
$800* per couple/family
Speech therapy covers the treatment of speech and communication disorders.
Benefits will only be paid for one consultation and/or treatment with a speech pathologist per day.
* Speech therapy annual limit is shared with eye therapy and occupational therapy services
Benefit:
$50 per visit
Annual limit:
$400* per person
$800* per couple/family
Eye therapy includes the diagnosis and non-surgical management of eye disorders and abnormalities.
* Eye therapy annual limit is shared with speech therapy and occupational therapy services
Benefit:
$50 per visit
Annual limit:
$400* per person
$800* per couple/family
Occupational therapy assists and supports people to participate in day to day life by enhancing their ability to engage in everyday activities.
* Occupational therapy annual limit is shared with speech therapy and eye therapy and services
Benefit:
$50 per visit
Annual limit:
$400* per person
$800* per couple/family
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 product pocket with Frank. Once you are no longer eligible to claim with Medicare, then you can claim on this cover.
* Psychology annual limit is shared with group psychology and hypnotherapy (by a Psychologist).
Benefit:
$60 per visit
Benefit:
Group psychology $30 per visit
Hypnotherapy benefit:
$60 per visit
Annual limit:
$400* per person
$800* per couple/family
Coverage for emergency ambulance services by a recognised provider Australia wide. Does not include cover for non-emergency ambulance transport ie. 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.
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. A sub-limit per script (after PBS co-payment deduction) applies.
* Pharmacy annual limit is shared with travel vaccinations.
Benefit:
$50 per script (after PBS co-payment deduction) applies
Annual limit:
$400* per person
$800* per couple/family
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 per vaccination applies.
* Travel vaccinations annual limit is shared with pharmacy.
Benefit:
$50 per vaccination
Annual limit:
$400* per person
$800* per couple/family
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.
* Chinese medicine consultations annual limit is shared with acupuncture and remedial massage
Benefit:
$36 per visit
Annual limit:
$400* per person
$800* per couple/family
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 doctors letter of recommendation.
Benefit:
Fixed benefits apply. See your product fact sheet for more information
Annual limit:
$400* per person
$800* per couple/family
Extras FAQs
A waiting period is the time between joining Frank and when you're covered for a treatment or service, if included in your cover.
Extras waiting periods apply to:
New members to health insurance, existing members who have upgraded their cover or anyone who has transfered 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
Waiting periods for extras services are as follows:
Waiting Period: 2 months
Any services that are not specified below.
Waiting Period: 6 months
Optical
Waiting Period: 12 Months -
Major dental services including full & partial dentures, orthodontics, crown & bridgework, endodontic services such as root canal, gold fillings, indirect restorations, surgical extractions of a tooth/teeth (including wisdom teeth).
Waiting Period: 12 Months - Health appliances
Don’t go with someone you don’t know. It’s your health so we let you choose your own provider. For members to claim with Frank, providers must hold active accreditation, be operating in a private practice and considered an Australian Provider.
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 2,500 approved dentists in the smile.com.au network, chances are there is one near you.
- Person limit – The total amount you can claim on a service within a year.
- Membership limit – The maximum amount a membership can claim in a calendar year.
- Sub-limit – The total amount you can claim on a particular service or treatment within the overall annual limit.
- Lifetime limit – The maximum amount a person can claim a service during the entire lifetime of a membership.
- Multi-year limit – The maximum amount you can claim, every few years.
We work on a calendar year so your limits run from January–December and reset on 1 January each year.
With set benefits gives you the same amount back per visit, regardless of how much your provider charges you.
With percentage back we pay the % back that is included on your cover up to your annual limits.
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.
