Frank Health Insurance
BasicAccident only$750 excessEmergency ambulanceDiscount for 18 to 29
0 of 38 hospital treatments covered
13 of 27 extras services covered
What the extras pay back
General dental$250 yearly limit shared with 12 other services, smaller limits apply50% back on a check-up
Glasses and contact lenses$250 yearly limit shared with 12 other services, smaller limits apply50% back on single vision glasses
Physiotherapy$250 yearly limit shared with 12 other services, smaller limits apply50% back on a first visit
Not covered (35) · Restricted (3)
Not covered
- Assisted reproductive services
- Back, neck and spine
- Blood
- Bone, joint and muscle
- Brain and nervous system
- Breast surgery (medically necessary)
- Cataracts
- Chemotherapy, radiotherapy and immunotherapy for cancer
- Dental surgery
- Diabetes management (excluding insulin pumps)
- Dialysis for chronic kidney failure
- Digestive system
- Ear, nose and throat
- Eye (not cataracts)
- Gastrointestinal endoscopy
- Gynaecology
- Heart and vascular system
- Hernia and appendix
- Implantation of hearing devices
- Insulin pumps
- Joint reconstructions
- Joint replacements
- Kidney and bladder
- Lung and chest
- Male reproductive system
- Miscarriage and termination of pregnancy
- Pain management
- Pain management with device
- Plastic and reconstructive surgery (medically necessary)
- Podiatric surgery (provided by a registered podiatric surgeon)
- Pregnancy and birth
- Skin
- Sleep studies
- Tonsils, adenoids and grommets
- Weight loss surgery
Restricted
- Hospital psychiatric services
- Palliative care
- Rehabilitation
Member retention (hospital cover): 79.9% for GMHBA, the insurer of Frank Health Insurance · Commonwealth Ombudsman, 2024-25
$72.43†a month after the base-tier rebate (24.1%)
Two policies: hospital $60.67 + extras $11.76
