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Bronze Plus Hospital and Everyday Extras
*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 to receive offer. Other waits (including hospital waits), annual and sub limits apply. Extras claims made with a previous fund count towards annual limits. Offer only available via Frank website or phone joins. Not available with any other offer or Frank OVHC. Frank may end this offer at any time without notice.
Inclusions
Hospital treatment for the investigation and treatment of the brain, brain-related conditions, spinal cord and peripheral nervous system.
Hospital treatment for the investigation and treatment of the eyes and content of the eye sockets.
Hospital treatment for the investigation and treatment of the ear, nose, throat, middle ear, thyroid, parathyroid, larynx, lymph nodes and related areas of the head and neck.
Hospital treatment of the tonsils, adenoids and insertion or removal of grommets.
Hospital treatment for the investigation and treatment of diseases, disorders and injuries of the musculoskeletal system.
Hospital treatment for surgery for joint reconstructions.
Hospital treatment for the investigation and treatment of the kidney, adrenal gland and bladder.
Hospital treatment for the investigation and treatment of the male reproductive system including the prostate.
Hospital treatment for the investigation and treatment of the digestive system, including the oesophagus, stomach, gall bladder, pancreas, spleen, liver and bowel.
Hospital treatment for the investigation and treatment of a hernia or appendicitis.
Hospital treatment for the diagnosis, investigation and treatment of the internal parts of the gastrointestinal system using an endoscope.
Hospital treatment for the investigation and treatment of the female reproductive system.
Hospital treatment for the investigation and treatment of a miscarriage or for termination of pregnancy.
Hospital treatment for chemotherapy, radiotherapy and immunotherapy for the treatment of cancer or benign tumours.
Hospital treatment for pain management that does not require the insertion or surgical management of a device.
Hospital treatment for the investigation and treatment of skin, skin-related conditions and nails.
Hospital treatment for the investigation and treatment of breast disorders and associated lymph nodes, and reconstruction and/or reduction following breast surgery or a preventative mastectomy.
Hospital treatment for the investigation and management of diabetes.
Hospital treatment for the investigation and treatment of the lungs, lung-related conditions, mediastinum and chest.
Hospital treatment for the investigation and treatment of blood and blood-related conditions.
Hospital treatment for the investigation and treatment of the back, neck and spinal column, including spinal fusion.
Hospital treatment for surgery to the teeth and gums.
Restricted
Hospital treatment for physical rehabilitation for a patient related to surgery or illness.
Hospital treatment for the treatment and care of patients with psychiatric, mental, addiction or behavioural disorders.
Hospital treatment for care where the intent is primarily providing quality of life for a patient with a terminal illness, including treatment to alleviate and manage pain.
Exclusions
Hospital treatment for the investigation and treatment of the heart, heart-related conditions and vascular system.
Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity.
Hospital treatment for the investigation and treatment of conditions affecting the foot and/or ankle, provided by a registered podiatric surgeon. Benefits are limited to only cover hospital accommodation and the cost of a prosthesis per the prosthesis list, as laid out in the Private Health Insurance (Prosthesis) Rules. Medical services such as the anaesthetist or the surgeon’s account in respect to podiatric surgery are not covered under hospital products.
Hospital treatment to correct hearing loss, including implantation of a prosthetic hearing device.
Hospital treatment for surgery to remove a cataract and replace with an artificial lens.
Hospital treatment for surgery for joint replacements, including revisions, resurfacing, partial replacements and removal of prostheses.
Hospital treatment for dialysis treatment for chronic kidney failure.
Hospital treatment for investigation and treatment of conditions associated with pregnancy and child birth.
Hospital treatment for fertility treatments or procedures.
Hospital treatment for surgery that is designed to reduce a person’s weight, remove excess skin due to weight loss and reversal of a bariatric procedure.
Hospital treatment for the provision and replacement of insulin pumps for treatment of diabetes.
Hospital treatment for the implantation, replacement or other surgical management of a device required for the treatment of pain.
Hospital treatment for the investigation of sleep patterns and anomalies.
Hospital FAQs
A waiting period is the time between joining when you first take out health insurance or upgrade your cover and when you’re covered for a treatment or service.
Hospital waiting periods apply to:
- New members who have never held private health insurance before. While serving waiting periods, you won't be covered for treatments or services and will not be entitled to claim a benefit from Frank.
- Members who transfer from another health fund and have had a gap in and/or upgraded their cover (see Switching to Frank below for more information).
- Members who upgrade to a higher level of cover or reduce their excess payable. If treatment or service was included on the previous cover at a lower level, and waiting periods have previously been served, members are entitled to the lower benefits on their previous cover while serving the new waiting period for higher benefits or reduced excess.
- Additional members added onto a policy (unless they've already served their relevant waiting periods). Exceptions apply for newborns, adopted and permanent foster children (where the family membership has existed for at least two months).
Switching to Frank
If you have already served your waiting periods on an equivalent or higher level of cover with another fund and joined Frank within 30 days of leaving that fund, you won't have to re-serve your waiting periods. Otherwise, waiting periods will apply from the date you take out your new cover with Frank. If you’ve upgraded your cover, your waiting periods for higher cover will start on the date you upgraded, but you can still claim the equivalent benefit to your previous level of cover during that period.
Waiting Period: 0 days
Accidents – bodily injuries resulting from accidents which occur after the date of joining or upgrading to a higher cover. Ambulance benefits.
Waiting Period: 2 months
Rehabilitation, palliative care, psychiatric and non-pre-existing conditions.
Waiting Periods: 12 months
Pregnancy and birth-related services and pre-existing conditions.
A 'medical gap' or out-of-pocket cost can be incurred when the fee charged by a specialist exceeds the combined benefit provided by Medicare and Frank for an inpatient procedure.
Medicare will pay the first 75% of the Medicare Benefits Schedule fee (MBS) and Frank will contribute at least 25% of the remaining amount.
The MBS fee is only a recommendation and private surgeons in Australia can charge what they deem appropriate for their services. If the fee they charge is greater than the set MBS fee, you will be required to pay the difference; this is called a ‘medical gap’ or an out-of-pocket cost.
To reduce medical out-of-pocket costs associated with hospital admissions, Frank pays inpatient medical benefits in line with the Australian Health Service Alliance’s Access Gap Cover scheme. The Access Gap Cover scheme is an opt-in billing scheme that provides higher benefits than the Government’s Medicare Benefits Schedule (MBS) fee – or “scheduled fee” – and limits the out-of-pocket costs for the billing of your treatment.
Specialists must be registered for Access Gap Cover and choose to opt in to the scheme for the billing of your treatment.
There are two scenarios for how you may be billed by your specialist when they use the Access Gap Cover scheme:
- No Gap – this is where there will be no gap from the specialist to pay following the procedure.
- Known Gap – this is where you will be charged a maximum gap of $500 per specialist, per admission to hospital, or a maximum of $800 for obstetric services.
- excluded on your level of cover
- received while you are within waiting periods
- treatment that occurred outside of your policy being active
- treatment with unregistered providers
- claims for people not listed on the policy
- treatment outside of Australia
- procedures for which Medicare does not pay a benefit
- claimable for compensation, damages, or benefits from another source (e.g. TAC or WorkCover)
- emergency department service fees while not admitted to hospital (e.g. observation, x-rays, drugs and lab tests)
- non-admitted hospital visits, and
- any outpatient medical cost.
If you elect to be treated as a private patient in a registered public hospital or a non-participating private hospital, Frank will pay only the minimum shared room benefits (~except for NSW public hospitals), and this could result in significant out-of-pocket costs for you. Make sure you get written financial consent for any hospital admissions and get in contact with Frank first to check your coverage.
~For NSW public hospitals, Frank will pay for a private room where a member has:
- Signed the Inpatient Election form to be treated as a private patient; and
- Ticked ‘yes’ to a single room if one is available on the Inpatient Election form.
As a private patient in a public hospital, you may have a choice of doctor however you cannot avoid public hospital waiting lists. The length of a public hospital queue is determined by the hospital and is not influenced by Frank.
Inclusions
Includes general and preventative dental services like routine check-ups, cleaning and fluoride treatments, x-rays, fillings and basic extractions.
Contact Frank for a quote, prior to treatment.
View Frank's dental treatment rules
Benefit
Fixed benefits and treatment limits apply
Periodic oral examination (012) – $32.60
Scale & clean (114) – $66.20
Fluoride treatment (121) – $19.70
Annual limit
$600 per person, per calendar year
$1,200 per couple/family, per calendar year
Waiting period
2 months
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.
Benefit
Fixed benefits and treatment limits apply
Surgical tooth extraction (322) – $116.40
Full crown veneered (615) – $520.00
Annual limit
$800 per person, per calendar year
$1,600 per couple/family, per calendar year
Waiting period
12 months
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%
Annual limit
$200 per person, per calendar year
$400 per couple/family, per calendar year
Waiting period
6 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.
Benefit
$36 per visit
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Chiropractic annual limit is shared with 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.
Benefit
$36 per visit
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Osteopathy annual limit is shared with chiropractic
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.
Benefit
$42 per visit
$18 per visit for group physiotherapy
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Physiotherapy annual limit is shared with group physio classes, exercise physiology, hydrotherapy, group hydrotherapy and myotherapy
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.
Benefit
$33 per visit
$15 per visit for group hydrotherapy
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Hydrotherapy annual limit is shared with physiotherapy, group physio classes, exercise physiology, and 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.
Benefit
$30 per visit
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Myotherapy annual limit is shared with physiotherapy, group physio classes, exercise physiology, hydrotherapy and group hydrotherapy
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.
Benefit
$30 per visit
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Exercise physiology annual limit is shared with physiotherapy, group physio classes, hydrotherapy, group hydrotherapy and myotherapy
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.
Benefit
$36 per visit
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Acupuncture annual limit is shared with Chinese medicine and 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 tissue.
Benefits will only be paid for one consultation and/or treatment per provider per day.
Benefit
$30 per visit
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Remedial massage annual limit is shared with acupuncture and Chinese medicine
Waiting period
2 months
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
$45 per visit
Annual limit
$350 per person, per calendar year
$700 per couple/family, per calendar year
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.
If you’re entitled to a Medicare rebate on your psychology sessions, you cannot claim your out-of-pocket expenses with Frank. Once you are no longer eligible to claim with Medicare, then you can claim on this cover.
Benefit
$50 per visit for individual psychology consultation
$50 per visit for individual hypnotherapy consultation (by a psychologist)
$25 per visit for group psychology
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Psychology annual limit is shared with group psychology and hypnotherapy (by a psychologist)
Waiting period
2 months
Coverage 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.
Coverage for emergency ambulance services, Australia-wide. See service description for conditions of coverage.
Waiting period
0 days
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 cannot be paid for PBS scripts, contraceptives, items not on the TGA register or items purchased overseas.
Benefit
$45 per script (after PBS co-payment deduction)
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Pharmacy annual limit is shared with 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 which travel vaccinations are covered here. A sub-limit per vaccination applies.
Benefit
$45 per vaccination
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Travel vaccinations annual limit is shared with pharmacy
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.
Benefit
$36 per visit
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Chinese medicine annual limit is shared with acupuncture and remedial massage
Waiting period
2 months
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 doctor's letter of recommendation.
Benefit
Fixed benefits apply for each included service. See your product fact sheet for more information
Annual limit
$350* per person, per calendar year
$700* per couple/family, per calendar year
*Health maintenance annual limit is shared between 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
Waiting period
2 months
Extras FAQs
This is the time between when you first take out or upgrade your health insurance and when you're covered for a treatment or service if it’s included on your cover.
Extras waiting periods apply to:
New members to health insurance, existing members who have upgraded their cover, additional members added onto a policy* or anyone who has transferred 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.
*Exceptions apply for newborns, adopted and permanent foster children (where the single parent or family membership has at least two months of continuous cover).
Waiting periods for extras services – when included on your cover – are as follows:
0 days
Emergency ambulance transport and subscriptions.
2 months
Any services that are not specified below.
6 months
Optical
12 months
Major dental, orthodontics, podiatric surgery, orthotics (foot) and medical devices.
We let you choose your own provider; it’s your health after all. For members to claim with Frank, providers must hold active accreditation, be operating in a private practice and considered an Australian provider.
Looking for a new dentist, optometrist or physio? Try this handy search tool to find an extras provider near you and browse by type, name, specialty or treatment.
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 4,000 approved dentists in the smile.com.au network, chances are there is one near you.
Extras policies can have different types of limits, which vary by service or treatment. You can check these in the fact sheet for your cover at any time.
- Annual limit – Frank extras annual limits run on a calendar year (January to December) and reset on 1 January. If you use all your limit in one year, you’ll have to wait until 1 January the following year to start claiming benefits again. Annual limits apply to each person on the membership, unless otherwise stated. Note that some services also have a multi-year limit or lifetime limit (see below).
- Person limit – The total amount each person on the membership can claim on a service within a calendar year.
- Membership limit – The maximum amount that can be claimed for a membership in a calendar year. These limits are shared between all people on the membership.
- Sub-limit – The total amount you can claim on a particular service or treatment within the overall annual limit.
- Combined limits – This is a single limit that can be used across a collection of services.
- Lifetime limit – The maximum amount a person can claim for a service during the entire lifetime of a membership. This applies for orthodontic treatment, per person on the membership.
- Multi-year limit – The maximum amount you can claim, every few years. Multi-year limits reset after the specified number of years on the anniversary date for each claim in a particular service category.
We work on a calendar year, so your annual limits run from January to December and reset or roll over* on 1 January each year. If you’ve reached your limit before the end of the calendar year, you’ll have to wait until the new year for your annual limits to reset.
*Frank’s annual limit rollover is offered on combined hospital and Bundables extras covers only. With annual limit rollover, you can get an extra 12 months to claim unused benefits rolled over from the previous calendar, provided you’ve been on the same Bundables cover for a minimum of 12 months.
Remaining extras annual limits for most services can be checked in the Frank app or member area, once extras waiting periods have been served.
When you claim for an eligible service on your extras cover, you’ll only pay the difference between what you get back from Frank and the cost set by your provider.
With set benefits you’ll receive a set amount back from Frank to cover part of your cost for each item or service, up to your annual per person or per membership limit.
Percentage back extras cover allows you to get a percentage of the overall charge back each time you claim, up to your annual per person or per membership limit.
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.
