Frank Health Insurance

What makes Frank Health Insurance different?

Frank Health Insurance is a not-for-profit health fund that’s been around since 2009. But don’t worry, they’re not the new kids on the block—they’re owned by GMHBA, who have been a private health insurance provider for over 85 years¹. 

But what have they got going for them besides this? Well, quite a bit, as it turns out:  

• Member benefits 
  Customers who sign up with Frank may be eligible for discounts with optical retailers (such as OPSM), reduced costs from approved dentists at smile.com.au² and a range of health support programs for chronic disease management, antenatal classes and home treatment instead of hospital³.
• Fully online 
  Frank is an online only insurance provider⁴. That being said, you can still reach them by phone, fax and post—though the webchat function on their website can be a quicker way to get any questions answered⁵. 

What Hospital Cover Does Frank Health Insurance Offer?

As mentioned, Frank Health Insurance offers a decent range of hospital cover policies. These are policies that can help cover a variety of expenses when you’re treated in a private hospital, or as a private patient in a public hospital.  

Frank’s selection available through iSelect covers the standard product range of hospital cover (basic, bronze, silver and gold), but also offers more specialised options6. It includes: 

• Accident Only (Basic) 
  This only provides cover for emergency ambulance services, accident treatment and a few, specific benefits when you’re treated as a private patient in a public hospital⁷.
• Private Hospital (Bronze)
  A step up from the basic policies. Bronze policies will cover hospital treatment for diabetes and more than a dozen other conditions, including those that affect the ears, brain and nose⁸.
• Bronze Plus Hospital (Bronze+)
  This policy covers an even wider range of conditions than your typical bronze-level cover. This includes treatments for blood conditions and those affecting the back, neck or spine⁹.
• Better Hospital (Bronze+)
  While this policy does not include cover for back, neck or spine conditions, it still covers over 25 clinical categories, including medically necessary plastic surgery and conditions affecting the heart or vascular system¹⁰

As you can see, Frank offers a fairly broad range of policies, and this can help customers balance the coverage they want with the needs of their budget. 

For an extensive list of hospital products available from Frank Insurance, check out their website.  

What Extras Cover does Frank Health Insurance offer?

Extras policies cover the non-hospital stuff, medical expenses like dental check-ups, prescription lenses and physiotherapy. Frank also offer a range of Extras policies, including: 

• Basic Extras 
  This policy pays benefits towards a small range of medical services: general dental, physiotherapy, chiropractic treatments, osteopathy, acupuncture and Chinese herbal medicine¹¹.
• Easy Extras 
  Includes the same coverage as Basic Extras, but also pays benefits for remedial massage and optical expenses, such as prescription glasses and contact lenses¹².
• Simple Extras
  Another step up, this policy includes coverage for myotherapy, hydrotherapy, remedial massage and emergency ambulance services¹³. 
• Some Extras
  Offers a slightly different selection of benefits than the Simple Extras policy, including major dental services and orthodontics. You’ll also have your choice of a policy that pays 50% or 80% back on eligible services¹⁴.
• Everyday Extras 
  Covers an even wider range of treatments than the above policies. This includes psychological services, diabetes and travel vaccinations, but doesn’t include orthodontics¹⁵.
• More Extras 
  Now we’re getting into the lofty levels of cover! This policy covers more than 25 different kinds of treatments, including orthodontics, eye therapy and podiatry¹⁶.
• Lots Extras 
  This policy actually doesn’t cover as many treatments as the More Extras policy. However, depending on the policy you choose, you’ll end up getting 50% or 80% back in benefits on every treatment¹⁷.

We should also note that the higher levels of Extras Cover typically have higher annual limits for some treatments as well. For instance, you will only be able to claim $100 a year on optical services under an Easy Extras policy¹⁶ while a More Extras policy offers a $250 limit per person¹⁷ 

What else can Frank Health Insurance offer?

Looking for a bit more info to make up your mind? We hear you—it’s important to have all the facts before you choose a health insurer. Fortunately, we have a few more tidbits about Frank to share: 

• No out-of-pocket physio with Kieser Konnect 
  All Frank members have access to the Kieser Konnect app, featuring video strength and conditioning training programs18.
• Choose your own provider
  Frank gives you the freedom to choose your own provider. After all, it’s your health19. 
• Telehealth with Frank
  Frank gives members the option to use telehealth ancillary services where they can20. Use your Extras from the safety and comfort of your own home. You’ll find the services available here. 

How do you make a claim with Frank Health Insurance?

As you’d expect from Frank, making a claim²¹ is simple:

• Use your Frank member card at one of many health providers with HICAPS swipe technology, and Frank will cover all or part of your bill right there, right then (depending on your policy of course).
• Claim online. Login to your Frank Health Insurance portal, submit your claim and get your money back within one to two business days. 

How do you manage your account with Frank Health Insurance?

Frank encourages members to handle their health insurance admin online. It’s quicker, easier, minimises paperwork and saves time and trees. 

Frank is 100% online and open 100% of the time. Here are some of the things you can do online 24/7: 

• Submit claims²² 
• Check your extras balance²³ 
• Update your details²⁴ 
• Download a tax statement²⁵
• Make a payment²⁶ 

Let’s be frank, it all sounds good. Time to compare policies^*.

If you’ve read this far, you’re probably feeling quite impressed by the way Frank works, so maybe you should see how it could work for you. Frankly, it’s simple – you’ll be able to see if a Frank Health Insurance policy suits you from iSelect’s range of policies and providers. Compare online* or give our team a call on 1800 784 772. 

^{Sources:
1 Frank Health Insurance - About Frank
2 Frank Health Insurance - Health Programs 
3 Ibid
4 Frank Health Insurance - Cheap Health Insurance Extras 
5 Frank Health Insurance - Contact Frank
6 Frank Health Insurance - Choosing Hospital Cover 
7 Frank Health Insurance - Accident Only (Basic) Fact Sheet (Page 1) 
8 Frank Health Insurance - Private Hospital (Bronze) Fact Sheet (Page 1) 
9 Frank Health Insurance - Bronze Plus Hospital (Bronze+) Fact Sheet (Page 1) 
10 Frank Health Insurance - Better Hospital (Bronze+) Fact Sheet (Page 1) 
11 Frank Health Insurance - Frank Basic Extras Fact Sheet (Page 1) 
12 Frank Health Insurance - Frank Easy Extras Fact Sheet (Page 1) 
13 Frank Health Insurance - Frank Simple Extras Fact Sheet (Page 1) 
14 Frank Health Insurance - Some Extras 
15 Frank Health Insurance - Frank Everyday Extras Fact Sheet (Page 1) 
16 Frank Health Insurance - Frank Easy Extras Fact Sheet (Page 1)
17 Frank Health Insurance - Frank More Extras Fact Sheet (Page 1) 
18 Frank Health Insurance - Frank Benefits 
19 Frank Health Insurance - Important Information Guide (Page 14) 
20 Frank Health Insurance - Using Telehealth for Frank Members 
21 Frank Health Insurance - How to claim 
22 Frank Health Insurance - Learn All You Need To Know About Tax Time, Frank Member Area 
23 Ibid 
24 Ibid 
25 Ibid 
26 Frank Health Insurance - Make A Payment}