Frank Health Insurance
Frank Classic Extras
Frank Health Insurance (a GMHBA policy)
How $81.88 is worked out
- Premium as filed - $107.90 a month
- Government rebate - 24.1% of the premium (never of the loading): -$26.02
- A month - $81.88
Go to insurer no commission on this policy
Extras: what you get back
| Service | Waiting period | Example benefits, as filed | Limits |
|---|---|---|---|
| General dental | 2 months | Check-up (item 012): $32.60; Scale and clean (item 114): $66.20; Fluoride treatment (item 121): $19.70 | $600 per person a year, $1,200 per policy a year |
| Major dental | 12 months | Tooth extraction (item 322): $116.40; Crown (item 615): $520.00 | $800 per person a year, $1,600 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): $106.00 | $800 per person a year, $1,600 per policy a year (shared with other services) |
| Glasses and contact lenses | 6 months | Single vision glasses: 100% back; Multifocal glasses: 100% back | $200 per person a year, $400 per policy a year |
| Prescriptions not on the PBS | 2 months | Prescription: $45.00 | $350 per person a year, $700 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: $42.00; Follow-up visit: $42.00 | $350 per person a year, $700 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: $36.00; Follow-up visit: $36.00 | $350 per person a year, $700 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: $50.00; Follow-up visit: $50.00 | $350 per person a year, $700 per policy a year |
| Acupuncture | 2 months | First visit: $36.00; Follow-up visit: $36.00 | $350 per person a year, $700 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $350 per person a year, $700 per policy a year (shared with other services) |
| Chinese herbal medicine | 2 months | First visit: $36.00; Follow-up visit: $36.00 | $350 per person a year, $700 per policy a year (shared with other services) |
| Dietitian | 2 months | First visit: $45.00; Follow-up visit: $45.00 | $350 per person a year, $700 per policy a year |
| Exercise physiology | 2 months | First visit: $30.00; Follow-up visit: $30.00 | $350 per person a year, $700 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: $36.00; Follow-up visit: $36.00 | $350 per person a year, $700 per policy a year (shared with other services) |
| Vaccinations | 2 months | Vaccination: $45.00 | $350 per person a year, $700 per policy a year (shared with other services) |
Not covered: Braces, Podiatry, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Orthotics, Speech therapy.
* Ambulance is emergency only and excludes state and government funded schemes
Excludes chiropractic x-rays. Remember, Frank is all online. For more information contact Frank on 1300 437 265 or visit www.frankhealthinsurance.com.au
Ambulance
Emergency ambulance. Waiting period for emergency transport: none. No limit on emergency transport.
This policy's other options
Every state, household and excess the insurer filed for this policy, with the premium before the rebate.
| State | Who is covered | Excess | A month, as filed |
|---|---|---|---|
| NSW | Me and my partner | None | $114.40 |
| NSW | My family | None | $114.40 |
| NSW | Just me | None | $57.20 |
| NSW | Me and my children | None | $114.40 |
| NT | Me and my partner | None | $111.90 |
| NT | My family | None | $111.90 |
| NT | Just me | None | $55.95 |
| NT | Me and my children | None | $111.90 |
| QLD | Me and my partner | None | $121.10 |
| QLD | My family | None | $121.10 |
| QLD | Just me | None | $60.55 |
| QLD | Me and my children | None | $121.10 |
| SA | Me and my partner | None | $116.90 |
| SA | My family | None | $116.90 |
| SA | Just me | None | $58.45 |
| SA | Me and my children | None | $116.90 |
| TAS | Me and my partner | None | $119.40 |
| TAS | My family | None | $119.40 |
| TAS | Just me | None | $59.70 |
| TAS | Me and my children | None | $119.40 |
| VIC | Me and my partner | None | $122.30 |
| VIC | My family | None | $122.30 |
| VIC | Just me | None | $61.15 |
| VIC | Me and my children | None | $122.30 |
| WA | Me and my partner | None | $107.90 |
| WA | My family | None | $107.90 |
| WA | Just me | None | $53.95 |
| WA | Me and my children | None | $107.90 |
Where this comes from
Policy details come from the PrivateHealth.gov.au dataset published by the Private Health Insurance Ombudsman on data.gov.au (release of 1 Oct 2026), licensed under Creative Commons Attribution 3.0 Australia. Statement I25/WJSE20, filed by GMHBA Limited, issued 1 Apr 2026.
† Monthly premium: the premium the insurer filed with the Private Health Insurance Ombudsman for this state, household and excess, before the Australian Government rebate. Answer the income and age questions and every figure becomes the premium after your rebate, with any Lifetime Health Cover loading added to the hospital share (the rebate never applies to the loading) and the age-based discount taken off it where the policy offers one. Insurers may quote a different payment frequency and round each step; check the figure with the insurer before you join.
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