Better Hospital (Bronze+) and More Extras

Includes dental treatments like check-ups, cleaning and fluoride treatments, x-rays, fillings and basic extractions.

Major Dental includes treatment for things like more complicated fillings, extractions, crowns, bridgework, dental implants, root canal treatment, indirect restorations, occlusal therapy and orthodontic treatment.

Excludes dentures.

Orthodontic treatment includes braces or a plate.

Orthodontic treatment has an annual limit, a treatment limit and a lifetime limit.

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.

• 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 on products which cover Chiropractic X-rays.

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.

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.

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.

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.

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.

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.

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.

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 include Podiatry it 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.

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.

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.

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.

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

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

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.

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 purchases 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.

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.

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.

Health Maintenance includes 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.