More Extras

from
$ 11.70*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote

Get a $100 Prepaid Visa Gift Card when you join on combined cover by October 31*

*For new members only – has not been a Frank member in the last 12 months. Available on combined cover only. Must pay first month to receive $100 Visa gift card. Not available in conjunction with any other offer. Gift card will be issued after 30 business days upon receipt of first month’s premium and sent to the postal address at time of join. If the cover is cancelled within 30 days of joining, you will not be eligible for this offer. Ends October 31 2019. Card issued by Heritage Bank Limited ABN 32 087 652 024 AFSL 240984 Australian Credit Licence 240984

With More Extras, you can enjoy cover for a wide range of services, including health maintenance benefits, Orthodontics, Podiatry and much more. Plus choose your own provider and get the same amount back each visit, up to annual limits.

Frank pays benefits towards services listed below. Benefits are calculated as a percentage of the provider fee up to annual limits.

  • 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, indirect restorations and orthodontic treatment.

    Excludes dentures.

    Annual limit

    $1,000 per person

    $2,000 per couple/family

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

  • Orthodontic
  • Optical

  • Orthodontic

    Waiting Period

    12 months

    Orthodontic treatment includes braces or a plate. Orthodontic treatment has an annual limit and a lifetime limit.

    Because orthodontic benefits can be a little confusing, we have some more information that explains how they work here.

    Annual limit per person:

    100% up to $600*. A lifetime limit applies to Orthodontic services

    Dental rules apply. Refer to More Extras fact sheet for full product information.

  • 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

    $250 per person

    $500 per couple/family

    Benefit:
    100% back up to annual limit

  • Chiropractic
  • Osteopathy

  • 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.

    $400 per person

    $800 per couple/family

    Excludes Chiropractic X-rays.

  • 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.

    $400 per person

    $800 per couple/family

  • Physiotherapy
  • Hydrotherapy

  • 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 and Exercise Physiology services.

    $400 per person

    $800 per couple/family

  • 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 and Exercise Physiology services.

    $400 per person

    $800 per couple/family

  • Myotherapy
  • Exercise Physiology

  • 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 and Exercise Physiology services.

    $400 per person

    $800 per couple/family

  • 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 and Hydrotherapy services.

    $400 per person

    $800 per couple/family

  • Acupuncture
  • Chinese Medicine Chinese Medicine

  • 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.

    $400 per person

    $800 per couple/family

  • 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.

    $400 per person

    $800 per couple/family

  • Remedial Massage
  • Dietetics

  • 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.

    $400 per person

    $800 per couple/family

  • 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

    $400 per person

    $800 per couple/family

  • Speech Therapy
  • Eye Therapy Eye Therapy

  • Speech Therapy

    Waiting Period

    2 months

    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.

    Annual limit

    Speech Therapy shares an annual limit with Eye Therapy and Occupational Therapy services.

    $400 per person

    $800 per couple/family

  • Eye Therapy

    Waiting Period

    2 months

    Eye therapy includes the diagnosis and non- surgical management of eye disorders and abnormalities.

    Annual limit

    Eye Therapy shares an annual limit with Speech Therapy and Occupational Therapy services.

    $400 per person

    $800 per couple/family

  • Occupational Therapy Occupational Therapy
  • Podiatry

  • Occupational Therapy

    Waiting Period

    2 months

    Occupational Therapy assists and supports people to participate in day to day life by enhancing their ability to engage in everyday activities.

    Annual limit

    Occupational Therapy shares an annual limit with Speech Therapy and Eye Therapy services.

    $400 per person

    $800 per couple/family

  • Podiatry

    Waiting Period

    2 Months for General Podiatry

    12 Months for Podiatry Surgery

    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), Essentials Bundle will assist in covering the surgeons fees. Benefits from hospital expenses, theatre fees etc would be payable from a relevant health cover. View the list of approved podiatric surgeons here.

    Annual limit

    Podiatry shares an annual limit with Orthotics services.

    $400 per person

    $800 per couple/family

  • Orthotics
  • Psychology

  • Orthotics

    Waiting Period

    12 months

    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.

    Annual limit

    Orthotics shares an annual limit with Podiatry services.

    $400 per person

    $800 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.

    Annual limit

    $400 per person

    $800 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.

    $400 per person

    $800 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.

    Annual limit

    Travel Vaccinations shares an annual limit with Pharmacy.

    $400 per person

    $800 per couple/family

Can I get more information?

With More Extras, regardless of your provider, you get the same amount back per visit, up to your annual limits. More 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, Podiatry Surgery and Orthotics)
  • 6 months for Optical
  • 12 months for Major Dental, Podiatry 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 More Extras for full product information including annual limits, sub limits and waiting periods.

Information relating to this cover should be read and retained.

More Extras

from
$ 11.70*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote