Frank Health Insurance
Frank Health Insurance
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Long story short
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.
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.
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.
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.
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 |
Helpful tip

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?
Frank is like GMHBA’s younger, cooler cousin. While they’re a part of the GMHBA family, one of Australia’s leading regionally based private insurers, they stand out for a different crowd. GMHBA’s been around for over 90 years, and while Frank is a little bit younger (by about 85 years), they still share the same core values.
What else can Frank health insurance offer?
Need a little more info before you make up your mind? Totally understandable —choosing the right health insurer is a big deal. Here are a few more perks that might help you make your decision:
- 30-day cooling-off period
Not loving your health insurance policy? No problem. Frank knows that sometimes things just don’t fit. If you’re not satisfied within 30 days of joining, you can cancel your coverage and get your premium refunded; as long as you haven’t made any claims. - Choose your provider
Frank believes in the freedom of choice. You pick your own providers because, after all, it’s your health. - Telehealth with Frank
Frank gives members the option to use telehealth ancillary services where they can. So you can use your extras from the safety and comfort of your own home.
How can I save on my Frank health insurance premium?
Everyone loves a good deal, especially when it comes to something as important as your health insurance.
Compare policies
One simple tip to make sure you’re getting the most affordable health insurance. Compare policies at least once a year if you can. Regularly reviewing your policy helps make sure you’re still getting the best value for money, especially if your health needs have changed.
Pre-pay your premiums
Another way to save is by prepaying your premium before March 31 each year. Most health insurance funds set their premium rate for the year on April 1 so paying in full before March 31 locks in your lower premium for another 12 months, effectively delaying the premium rise for another year – win!
How to switch to Frank health insurance?
Switching to Frank is easy. After all, we know that the last thing you want after picking your new health insurance is another headache. That’s why Frank is here to make the whole process quick and painless. All you need to do is follow these few steps:
- Join Frank health insurance through iSelect
- Give us the details of your previous insurer
- We’ll contact them for you, cancel your old policy, and make sure it lines up with your new start date
- Your old fund will send over your transfer certificate to Frank
- If you paid any premiums in advance, your old insurer will refund you
- Frank will honour any waiting periods you’ve already served (as long as it’s within the last 30 days) so you can access your care sooner.
How do excesses work with Frank?
Think of an excess like your car insurance. It’s a payment you make when you’re admitted into hospital as a private patient. Having an excess on your policy helps to keep your premiums lower. The good news? You’ll only have to pay it once a year. So even if you have multiple hospital visits in a year, you’ll only have to pay your excess once.
So, if you are admitted to a private hospital, you’ll have to pay your excess first and then Frank will cover the rest of your hospital fees; depending on your policy details.
How do I make a claim with Frank health insurance?
With Frank, making a claim is as easy as it gets. If you’re visiting a health provider in person and they use HICAPS just swipe your Frank member card. Then Frank will cover all or part of your bill right there, right then (depending on your policy of course).
Prefer to claim online? Simply log in to your Frank health insurance portal, submit your claim and you’ll typically get your money back within one to two business days. It’s fast, simple, and designed to make taking care of your health stress-free.
How do I manage my account with Frank health insurance?
Frank’s all about keeping things simple, which is why they encourage members to manage their insurance online. It’s quicker, easier, and cuts down paperwork (and trees).
Since Frank is online 24/7, there’s no need to worry about business hours. Here is what you can do anytime either through the app or in the Frank OVHC member area:
- Claim in a flash with photo or PDF upload options
- Check your past claims
- Check your extras balance
- View your details
- Request a new card
- Make a payment
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.
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