Settle down with Frank
Why do I need couples cover?
If you and your partner are setting up and settling down, getting couples cover makes sense. Maybe one of you hasn’t had health insurance or maybe you just want to make life simpler by reducing the number of policies and payments into one.
Plus, if you decide to start a family you can add your kids once they arrive at no extra cost.
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Emergency ambulance
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Plastic and reconstructive surgery (medically necessary)
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Heart & vascular system
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$500 to claim on dental - sublimits apply
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$400 combined limit to claim on physio
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Up to $120 back on optical
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Emergency ambulance
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Plastic and reconstructive surgery (medically necessary)
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Heart & vascular system
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$2000 to claim on dental - sublimits apply
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Up to $250 back on optical
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$400 combined limit to claim on physio
* The price shown is per week and applies to a Couple, aged 30, living in VIC. It excludes LHC loading and includes a Base Tier Government Rebate
| Extras services (when included on cover) |
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| All extras benefits except as specified below. Waiting Period: 2 Months |
| Optical, home and domestic aids and medical aids. Waiting Period: 6 months |
| Major dental services (including full & partial dentures, orthodontics, crown & bridgework, endodontic services such as root canal, gold fillings, indirect restorations, surgical extractions of a tooth/teeth including wisdom teeth). Waiting Period: 12 Months |
| Health appliances including nebuliser pump, blood glucose monitor, pressure garments, sleep apnoea monitor, extremity pump, hearing aids, orthopaedic appliances (GMHBA approved), prostheses (GMHBA approved non-surgical), tens monitor, podiatry surgical procedures and orthotic appliances (foot). Waiting Period: 12 Months |
| Hospital services (when included on cover) |
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| Accidents - bodily injuries resulting from accidents which occur after the date of joining GMHBA or upgrading to a higher cover. Waiting Period: No |
| Obstetrics and maternity. Waiting Period: 12 months |
| Pre-existing ailment, illness or condition (other than psychiatric, rehabilitation and palliative care). Waiting Period: 12 months |
| Any other benefit for hospital (or hospital substitution) treatment. Waiting Period: 2 months |
A pre-existing condition is one where signs or symptoms of your ailment, illness or condition, in the opinion of a medical practitioner appointed by GMHBA (not your own doctor), existed at any time during the six months preceding the day on which you purchased your hospital insurance or upgraded to a higher level of hospital cover and/or benefit entitlement.
A special waiting period applies to obtain benefits for hospital treatment for new members who have pre-existing conditions. The waiting period also applies to existing members who have recently upgraded their level of hospital cover. If the ailment, illness or condition is considered pre-existing:
New members
New members must wait 12 months for any hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (transferring or upgrading)
Members transferring/upgrading to a higher hospital cover must wait 12 months to get the higher hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (with at least 12 months membership)
Existing members with at least 12 months membership in total across their old and new cover are entitled to the lower benefits on their old cover.
Silver Hospital cover provides the same single room coverage as Gold Hospital, but co-payments of $100 per day up to a maximum of $700 per admission apply. Co-payments are not the same as hospital excess. Please note: Some private hospitals only have single rooms and co-payments will apply.
Co-payments do not apply.
What Frank cover is best for me?
If you’re a young couple looking for good hospital coverage Frank’s Bronze or Bronze Plus Hospital gives you the perks of private without the top price tag. It has good coverage, but excludes some services like obstetrics and IVF to give you a cheaper premium.
If you are looking for cover that helps you plan for pregnancy, check out Franks Gold Hospital (Gold).
When it comes to extras such as dental or optical you want something that works for how you intend to use it. Franks’ extras products let you pick from 50% back, 80% back or fixed benefits.
If you use it a lot, 50% back or fixed benefits can help you stretch your limits over the year, but if you only use it sometimes, 80% can help you use your limits quicker.
Check out Frank’s options for young couples.
6 weeks free + skip 2 & 6 month waits on extras* when joining on combined cover by 8 December.
*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. Offer ends 8th December 2025.
