Frank Health Insurance

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Last Updated 06/12/2024
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Written by

Rachel Gregg

Last Updated 06/12/2024

What changed?

Comprehensive changes to content with updated information.
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.

Edited by

Laura Crowden

Find out more about how we make money.

View our Privacy Policy.

Compare health insurance policies the easy way

Save time and effort by comparing a range of Australia’s health funds with iSelect

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Long story short

1
Flexible cover options

Frank offers tailored hospital, extras and combined cover to fit various health needs and budgets, making it easier to choose the right level of protection.

2
Waiting periods that work for you

If you’ve served waiting periods with another insurer, Frank will honour them, so you don’t need to wait all over again.

3
Emergency ambulance cover

Every hospital policy with Frank includes emergency ambulance services for those urgent moments. Most extras also come with some form of ambulance cover.

4
Quick and easy claims

With Frank, making a claim is straightforward. Use your member card at providers or claim online and get reimbursed within one to two business days.

5
Manage everything online

Skip the paperwork! Frank’s 24/7 online portal lets you check claims, manage extras, update details and pay premiums anywhere, anytime.

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 90 years. 

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

Affordable premiums 

Frank offers low-cost premiums, which is great when value for money matters. Their Entry Hospital (Basic+) cover even snagged an award as one of the cheapest on the market.  

Choose your provider

Frank’s all about giving you options so you’re not stuck with a specific provider. Instead, you can pick any registered provider and get the same benefits, without restrictions.  

Exclusive member perks

Frank members could score discounts at places like OPSM, reduced dental costs from smile.com.au and a range of health support programs for chronic disease management, antenatal classes and home treatment instead of hospital. 

Online convenience

Frank is an online-only insurance provider. But you can still reach them by phone, fax, post or their webchat function for a quicker way to get any questions answered.  

What type of policies does Frank offer? 

Frank health insurance offers a range of policies to fit your health needs (and budget). Here’s a quick rundown: 

Hospital cover: Need private hospital care? This covers everything from routine procedures to major surgeries to give you greater choice and peace of mind when you need it most. 

Extras cover: For those day-to-day health services like dental checkups, physio sessions, or getting new specs, extras cover lets you pick and choose what’s important to you.  

Combined cover: Brings the best of both worlds (hospital and extras) into one neat package. Perfect for those who want all-around protection and flexibility, you can cover major medical expenses and smaller things like dental all in one policy.  

Ambulance cover: Need an ambulance in an emergency? All Frank hospital policies include emergency ambulance services. While most Frank extras policies offer some form of ambulance coverage (emergency coverage or a state ambulance subscription refund), it’s always important to check the policy details first.  

Will I have to serve waiting periods with Frank health insurance? 

Like all insurers, Frank has waiting periods before you can claim hospital treatment or extras. This means you’ll have to wait until after your waiting period is over to claim for treatments or services. If you’ve already completed all your waiting periods with another fund, Frank will honour those, so you won’t need to start from scratch.  

For Frank customers, these are the general waiting periods: 

Hospital cover waiting periods 
Accidents (accidents are only covered if they occur after joining) 0 months 
Psychiatric, rehab or palliative care, and any other hospital treatment 2 months 
Pregnancy services or those with pre-existing conditions (except psychiatric, rehab or palliative care) 12 months  
Extras cover waiting periods 
Ambulance subscription (VIC, SA, WA and NT) and emergency ambulance Australia-wide 0 days 
General dental, physiotherapy, osteopathy, chiropractor, psychology, remedial massage, pharmacy, general podiatry, exercise physiology, acupuncture, speech therapy and dietetics.  2 months 
Optical 6 months 
Major dental, orthodontics, orthotics, podiatric surgery, hearing aids, and blood glucose monitors 12 months 

There’s no need to worry about ambulance cover with Frank’s hospital policies since they all include emergency ambulance cover! Just check your policy details since not all extra policies include this (or they might offer a refund for a state ambulance subscription).

Frequently asked questions

Is Frank health insurance owned by GMHBA?

What else can Frank health insurance offer?

How can I save on my Frank health insurance premium?

How to switch to Frank health insurance?

How do excesses work with Frank?

How do I make a claim with Frank health insurance?

How do I manage my account with Frank health insurance?

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. Just call our health comparison experts to find a policy that suits you from iSelect’s range of policies and providers. Compare online or give our team a call at 1800 784 772

iSelect does not compare all health insurance providers or policies in the market. The availability of policies will change from time to time. Not all policies available from its providers are compared by iSelect and due to commercial arrangements, your stated needs and circumstances, not all policies compared by iSelect are available to all customers. Some policies and special offers are available only from iSelect’s contact centre or website. Click here to view iSelect’s range of providers