Some Extras 50% Back

from
$ 6.90*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote

Skip 2 & 6 month waits on extras when joining combined cover*

*12 month waits, annual and sub limits apply. For new members (if you have been a Frank Health Insurance member in the last 12 months, sorry you don’t qualify). Extras claims made with a previous fund are included in your annual limit. Not available in conjunction with any other offer. Ends February 14, 2019.

You want coverage, but don’t need to go over the top. Some Extras covers the popular extras like dental, optical and the occasional alternative therapy with your choice of 50% or 80% back.

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
  • 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.

    A $250 per person and $500 per couple / family membership sub limit applies for Preventative Dental services and a $250 per course of treatment by a dentist or $300 limit per course of treatment by a Specialist applies for Occlusal Therapy (included in the total shared dental limit).

    Annual limit

    General & Preventative Dental shares an annual limit with Major dental and Orthodontic services. Sub-limits apply.

    $500 per person

    $1,000 per couple/family

    Sub limits and dental rules apply. Refer to Some Extras 50% Back or Some Extras 80% Back fact sheet for full product information.

  • 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.

    Sub limits apply to the below Major Dental treatments (sub limits are included in the total shared Dental limit)

    • $225 per crown / bridge with a maximum of $450 per person
    • $350 per person and $700 per couple / family for Indirect Restorations
    • $400 per person for Dental Implants

    Annual limit

    Major Dental shares an annual limit with General & Preventative dental and Orthodontic services. Sub-limits apply.

    $500 per person

    $1,000 per couple/family

    Sub limits and dental rules apply. Refer to Some Extras 50% Back or Some Extras 80% Back fact sheet for full product information.

  • Orthodontic
  • Optical

  • Orthodontic

    Waiting Period

    12 months

    Orthodontic treatment includes braces or a plate. Orthodontic treatment has an annual limit from $300 (included in the total shared dental 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

    Orthodontic shares an annual limit with General & Preventative Dental and Major Dental services. Sub-limits apply.

    $500 per person

    $1,000 per couple/family

    Sub limits and dental rules apply. Refer to Some Extras 50% Back or Some Extras 80% Back 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

    $120 per person

    $240 per couple/family

  • 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.

    A sublimit of 1 per year applies to Chiropractic X-rays.

    Annual limit

    Chiropractic shares an annual limit with Osteopathy, Physiotherapy, Hydrotherapy, Myotherapy, Naturopathy, Homeopathy, Acupuncture and Remedial Massage services.

    $400 per person

    $800 per couple/family

  • 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, Physiotherapy, Hydrotherapy, Myotherapy, Naturopathy, Homeopathy, Acupuncture and Remedial Massage services.

    $400 per person

    $800 per couple/family

  • Physiotherapy
  • Hydrotherapy
  • Myotherapy
  • Naturopathy

  • 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

    Myotherapy shares an annual limit with Chiropractic, Osteopathy, Physiotherapy, Hydrotherapy, Naturopathy, Homeopathy, Acupuncture and Remedial Massage services.

    $400 per person

    $800 per couple/family

  • Naturopathy

    Waiting Period

    2 months

    Naturopathy is a method of treating disease using food, exercise, heat and other natural methods that assist the natural healing process.

    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

    Naturopathy shares an annual limit with Chiropractic, Osteopathy, Physiotherapy, Hydrotherapy, Myotherapy, Homeopathy, Acupuncture and Remedial Massage services.

    $400 per person

    $800 per couple/family

  • Homeopathy
  • Acupuncture

  • Homeopathy

    Waiting Period

    2 months

    Homeopathy is an alternative medicine which treats conditions using heavily diluted natural substances that in larger amounts would produce symptoms of the condition.

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

    Annual limit

    Homeopathy shares an annual limit with Chiropractic, Osteopathy, Physiotherapy, Hydrotherapy, Myotherapy, Naturopathy, Acupuncture and Remedial Massage services.

    $400 per person

    $800 per 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 Chiropractic, Osteopathy, Physiotherapy, Hydrotherapy, Myotherapy, Naturopathy, Homeopathy and Remedial Massage services.

    $400 per person

    $800 per couple/family

  • Remedial Massage
  • Ambulance Subscription

  • 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 Chiropractic, Osteopathy, Physiotherapy, Hydrotherapy, Myotherapy, Naturopathy, Homeopathy and Acupuncture services.

    $400 per person

    $800 per couple/family

  • Ambulance Subscription

    Waiting Period

    0 days

    VIC, SA, WA and NT residents can claim 50% or 80% (based on their cover) of the cost of one ambulance subscription per year. Ambulance is covered differently in each state. To make sure you know exactly how it's covered in your state, check out more info here.

    Annual limit

    1 subscription per year per person

    1 subscription per year per couple/family

Can I get more information?

With Some Extras, you can choose between claiming 50% or 80% back when you take out the cover. Whatever the provider charges, Frank pays 50% or 80% back (based on your cover) up to your annual limits. That means if you are charged $40 for a treatment your benefit will be $20 (if you’re on Extras with 50% back) or $32 (if you’re on extras with 80% back) as long as you have served your waiting periods and have available limits.

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.

Some Extras services have the following waiting periods:

  • 1 day for ambulance
  • 2 months for included extras (except for Optical and Major Dental)
  • 6 months for Optical
  • 12 months for Major Dental

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 Some Extras 50% Back or Some Extras 80% Back fact sheets for full product information including annual limits, sub limits and waiting periods.

Information relating to this cover should be read and retained.

Some Extras 50% Back

from
$ 6.90*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote