Frank Health Insurance
Frank Bundables $500
Frank Health Insurance (a GMHBA policy)
How $23.52 is worked out
- Premium as filed - $31.00 a month
- Government rebate - 24.1% of the premium (never of the loading): -$7.48
- A month - $23.52
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): 50% back; Scale and clean (item 114): 50% back; Fluoride treatment (item 121): 50% back | $500 per policy a year (shared with other services) |
| Major dental | 12 months | Tooth extraction (item 322): 50% back; Crown (item 615): 50% back | $500 per policy a year (shared with other services) |
| Root canal | 12 months | Root canal (item 417): 50% back | $500 per policy a year (shared with other services) |
| Braces | 12 months | Braces, upper and lower, with a retainer (item 881): 50% back | $500 per policy a year (shared with other services) |
| Glasses and contact lenses | 6 months | Single vision glasses: 50% back; Multifocal glasses: 50% back | $500 per policy a year (shared with other services) |
| Physiotherapy | 2 months | First visit: 50% back; Follow-up visit: 50% back | $500 per policy a year (shared with other services) |
| Chiropractic | 2 months | First visit: 50% back; Follow-up visit: 50% back | $500 per policy a year (shared with other services) |
| Podiatry | 2 months | First visit: 50% back; Follow-up visit: 50% back | $500 per policy a year (shared with other services) |
| Psychology | 2 months | First visit: 50% back; Follow-up visit: 50% back | $500 per policy a year (shared with other services) |
| Acupuncture | 2 months | First visit: 50% back; Follow-up visit: 50% back | $500 per policy a year (shared with other services) |
| Remedial massage | 2 months | First visit: 50% back; Follow-up visit: 50% back | $500 per policy a year (shared with other services) |
| Orthotics | 12 months | Benefit: 50% back | $500 per policy a year (shared with other services) |
| Osteopathy | 2 months | First visit: 50% back; Follow-up visit: 50% back | $500 per policy a year (shared with other services) |
Not covered: Prescriptions not on the PBS, Hearing aids, Blood glucose monitors, Audiology, Antenatal and postnatal, Chinese herbal medicine, Dietitian, Exercise physiology, Eye therapy (orthoptics), Health management programs, Home nursing, Occupational therapy, Speech therapy, Vaccinations.
Psychology also includes Counselling, Mental Health Social Workers and Mental Health Nurses. Podiatry and Orthotics are combined under the same sub-limit. Orthodontic has a lifetime limit of $1,000 per person.
Ambulance
No ambulance cover.
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 | $35.65 |
| NSW | My family | None | $35.65 |
| NSW | Just me | None | $31.00 |
| NSW | Me and my children | None | $35.65 |
| NT | Me and my partner | None | $35.65 |
| NT | My family | None | $35.65 |
| NT | Just me | None | $31.00 |
| NT | Me and my children | None | $35.65 |
| QLD | Me and my partner | None | $35.65 |
| QLD | My family | None | $35.65 |
| QLD | Just me | None | $31.00 |
| QLD | Me and my children | None | $35.65 |
| SA | Me and my partner | None | $35.65 |
| SA | My family | None | $35.65 |
| SA | Just me | None | $31.00 |
| SA | Me and my children | None | $35.65 |
| TAS | Me and my partner | None | $35.65 |
| TAS | My family | None | $35.65 |
| TAS | Just me | None | $31.00 |
| TAS | Me and my children | None | $35.65 |
| VIC | Me and my partner | None | $35.65 |
| VIC | My family | None | $35.65 |
| VIC | Just me | None | $31.00 |
| VIC | Me and my children | None | $35.65 |
| WA | Me and my partner | None | $35.65 |
| WA | My family | None | $35.65 |
| WA | Just me | None | $31.00 |
| WA | Me and my children | None | $35.65 |
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 I54/QMQT10, filed by GMHBA Limited, issued 17 Feb 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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