Simple Extras

from
$ 6.25*
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 $200 off for couples, families, and single parents and $100 off for singles when joining on combined cover by January 31*

*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 premium to receive discount. Only available via Frank website and phone joins. Not available in conjunction with any other offer or on Frank OVHC.

Frank’s Simple Extras makes it simple. Get the same amount back in your pocket every time you visit, up to your annual limits. Plus, get 100% back on optical, up to your annual limit. Your limits will reset 1 January each year.

What’s covered?

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

  • General Dental
  • Optical

  • 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.

  • 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

    $150 per person

    $300 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.

    $200 per person

    $400 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.

    $200 per person

    $400 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, Exercise Physiology, Group Physiotherapy and Group Hydrotherapy services.

    $200 per person

    $400 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, Exercise Physiology, Group Physiotherapy and Group Hydrotherapy services.

    $200 per person

    $400 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, Exercise Physiology, Group Physiotherapy and Group Hydrotherapy services.

    $200 per person

    $400 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, Hydrotherapy, Group Physiotherapy and Group Hydrotherapy services.

    $200 per person

    $400 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.

    $200 per person

    $400 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.

    $200 per person

    $400 per couple/family

  • Remedial Massage
  • Emergency Ambulance

  • 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.

    $200 per person

    $400 per couple/family

  • 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.

Can I get more information?

With Simple Extras, regardless of your provider, you get the same amount back per visit, up to your annual limits. Simple 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 Simple Extras for full product information including annual limits, sub limits and waiting periods.

Information relating to this cover should be read and retained.

Simple Extras

from
$ 6.25*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote