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Frank Health Insurance Review

If you’ve recently received a letter from Frank or saw one of their adverts and want to know what they provide, then read our review of their features, benefits and exclusions so you can make a fully informed decision.
Fact Checked

Updated: 24 May 2024

Frank Health Insurance promises to offer you cheap, online health cover. Providing consumers with the freedom to choose from a range of policy options to cover a wide selection of medical services and treatments. Frank private health insurance strives to remove insurance confusion by letting you buy, claim, and manage your policy online, from the comfort of your home.

You can choose from a range of options, giving you the flexibility to take out standalone cover or pair it with other products. Alternatively, you can choose one of their existing, neatly packaged bundles of cover.

ComparingExpert does not currently have access to this provider. Visit request a quote and compare their price and benefits to the Australian private health insurance companies we have access to.

Frank’s Hospital Covers

Basic Hospital: Entry-level option, which provides cover for private patient care in a public hospital. This option is also available with some private hospital cover for common procedures, like appendix removal, hernia repair, etc. but it will involve an extra fee.

Better Hospital: Mid-level option, which combines the benefits of private health cover, without the super high premium. It covers public hospital accommodation and a shared room in a private hospital. You can get partial cover for a single room in a private hospital with co-payments.

Best Hospital: Comprehensive option, which covers you for a private room in a private hospital. You can also choose to take out a Best Hospital policy without any pregnancy cover.

Frank’s Extras Cover

Frank’s Extras, also known as ancillary cover, includes insurance for treatments like dental, optical, physio, chiro, and other therapies. Because these treatments aren’t usually done in a hospital, your hospital policy won’t cover them, and neither does Medicare.

Frank offers you the choice between Some Extras and Lots Extras.

Some Extras: Choose between a policy that gives 50% back or one that gives you 80% back on common treatments like optical, dental, and physio.

Lots Extras: Choose between a policy that gives you 50% back or one that gives you 80% back on treatments, like podiatry, psychology, and travel vaccinations. This option also lets you enjoy bigger benefit limits.

Frank bundle cover

Frank provides customers with the opportunity to bundle hospital cover with extras cover as a pre-packed option.

Starter Bundle: Ideal for healthy individuals looking for affordable health cover. 60% back on popular extras.

Essentials Bundle:Purchasing this bundle provides you with the benefits of procedures in private hospital with a wide range of extra services. 60% back on popular extras.

Frank general exclusions

Frank Health Insurance has a list of exclusions that are built into their hospital cover policies, their extras cover policies, and bundled policies. Meaning, Frank won’t pay your claim for any of the following reasons:

Frequently Asked Questions and Answers

Frank Health Insurance was established in 2009 and is owned by GMHBA, a not-for-profit, member-based company with over 75 years’ worth of experience in offering health insurance options. In 1934, a group of workers from the Australian Cement Company in Geelong, Australia, founded GMHBA Health Insurance to offer cover that will suit the needs of a wide range of Australians.

Yes, there are times when you will pay an excess, for instance, when you are admitted to hospital. In fact, all of Frank’s hospital cover options include an excess. The maximum amount you’ll pay for a singles policy each year is $500 to $1000 for couples and family policies.

Yes, you can choose to pay a higher excess at claim stage, and in doing so, you will lower the cost of your premiums.

If your claim has been approved, Frank will pay your claim directly into your bank account within one to two business days.

Frank Health Insurance has made it easy for you to find what you need by simply visiting their website. Navigate to their informative FAQs or online chat functionality. If you would like to get in contact directly, you can email [email protected] or call 1300 437 265.



Megan has extensive experience writing about health and life insurance in Australia. Megan has a special interest in health and wellness. She relies on her background in counselling psychology to convey the latest findings in a manner that is most beneficial to ComparingExperts readers. In every article she writes, Megan aims to uphold the standards of the Private Health Insurance Intermediaries Association (PHIAA) which ComparingExpert is part of.

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