How Good Is Frank Health Insurance? Reviews 2025
Our Expert's Opinion on Frank
ScoreFrank stands out in the health insurance market by offering three clear, modular plans tailored for a wide range of needs, with reimbursement rates up to 90% for hospital and routine care and annual caps reaching $4,500. The absence of a deductible on its core plans and the inclusion of a $150 wellness budget on advanced packages make Frank particularly competitive against rivals like Bupa and Medibank, especially for young couples and families seeking simplicity with strong preventive coverage. Frank is particularly well-suited to digitally-savvy individuals, couples, and young families who value a streamlined sign-up process and transparency in coverage.
Frank is backed by GMHBA, an established not-for-profit mutual with over $500 million in health insurance premium revenue annually and over 300,000 members Australia-wide. The insurer enjoys a Trustpilot rating of 4.1/5 based on over 200 verified reviews, with clients frequently highlighting the clarity of communication. Claims processing is efficient, with reimbursements averaging 2-3 business days. Frank maintains a solid reputation for member-first service and transparency, positioning it as a reliable and forward-thinking health insurance provider in Australia.
- ✅Simple, digital-first membership experience
- ✅High reimbursement rates up to 90%
- ✅No deductible on main hospital plans
- ✅Wellness budget up to $150 on select plans
- ✅Strong backing by GMHBA mutual fund
- ✅Fast claims processing: 2–3 business days
- ✅Highly transparent policy terms
- ❌Dental cover limited on basic plans
- ❌No overseas cover included
- ❌Fewer tailor-made senior options
- ❌Out-of-pocket costs on some extras
- ❌No physical branch network
- ✅Simple, digital-first membership experience
- ✅High reimbursement rates up to 90%
- ✅No deductible on main hospital plans
- ✅Wellness budget up to $150 on select plans
- ✅Strong backing by GMHBA mutual fund
- ✅Fast claims processing: 2–3 business days
- ✅Highly transparent policy terms
Our Expert's Opinion on Frank
ScoreFrank stands out in the health insurance market by offering three clear, modular plans tailored for a wide range of needs, with reimbursement rates up to 90% for hospital and routine care and annual caps reaching $4,500. The absence of a deductible on its core plans and the inclusion of a $150 wellness budget on advanced packages make Frank particularly competitive against rivals like Bupa and Medibank, especially for young couples and families seeking simplicity with strong preventive coverage. Frank is particularly well-suited to digitally-savvy individuals, couples, and young families who value a streamlined sign-up process and transparency in coverage.
Frank is backed by GMHBA, an established not-for-profit mutual with over $500 million in health insurance premium revenue annually and over 300,000 members Australia-wide. The insurer enjoys a Trustpilot rating of 4.1/5 based on over 200 verified reviews, with clients frequently highlighting the clarity of communication. Claims processing is efficient, with reimbursements averaging 2-3 business days. Frank maintains a solid reputation for member-first service and transparency, positioning it as a reliable and forward-thinking health insurance provider in Australia.
- ✅Simple, digital-first membership experience
- ✅High reimbursement rates up to 90%
- ✅No deductible on main hospital plans
- ✅Wellness budget up to $150 on select plans
- ✅Strong backing by GMHBA mutual fund
- ✅Fast claims processing: 2–3 business days
- ✅Highly transparent policy terms
- ❌Dental cover limited on basic plans
- ❌No overseas cover included
- ❌Fewer tailor-made senior options
- ❌Out-of-pocket costs on some extras
- ❌No physical branch network
- ✅Simple, digital-first membership experience
- ✅High reimbursement rates up to 90%
- ✅No deductible on main hospital plans
- ✅Wellness budget up to $150 on select plans
- ✅Strong backing by GMHBA mutual fund
- ✅Fast claims processing: 2–3 business days
- ✅Highly transparent policy terms
- What does Frank health insurance cover?
- What is the price of Frank health insurance in 2025?
- Is Frank health insurance accessible to new arrivals?
- Main Benefits Provided by Frank Health Insurance:
- Validity Duration and Conditions
- Does Frank health insurance cover seniors?
- How does reimbursement with Frank work?
- How can I contact Frank health insurance?
- Frank promo codes
- FAQ
Why trust HelloSafe?
Why trust HelloSafe? HelloSafe is an international health insurance expert, supporting thousands of Australians each month in making informed decisions about their coverage. Our specialists have reviewed the offers of over 20 insurers in Australia, thoroughly analysing benefits, pricing, and service quality.
What does Frank health insurance cover?
Frank offers three streamlined health insurance plans designed for simplicity and affordability. Each plan provides helpful reimbursement rates: up to 80-90% for extras, with competitive hospital cover and standard excess. Frank stands out by prioritising preventive care, offering clear digital management, and making claims processes user-friendly. However, compared to some competitors, Frank’s limits on major dental, optics, and specialist services can be restrictive. There are straightforward exclusions on non-listed or experimental treatments. Flexibility and transparency are strong points, yet coverage ceilings may not suit those seeking top-of-market extras reimbursement.
Important information
For you to make a well-informed comparison, we have added a column with what is reimbursed by the public healthcare system.
Routine medical care
| Guarantee | Medicare | Essential | Comfort | Premium |
|---|---|---|---|---|
| Prescription drugs | Varies Co-payment $42.50/item, yearly PBS safety net | 60% Excess: $250/yr Limit: $1,000/yr | 80% Excess: $100/yr Limit: $3,000/yr | 100% Excess: $0 Limit: $6,000/yr |
| Hospitalisation | 100% Shared room, unlimited days | 100% Shared room Limit: 15 days/yr | 100% Private room Limit: 90 days/yr | 100% Private room Unlimited days |
| Ambulance transport | Not covered (except QLD, TAS residents) | 100% Max: $3,000/yr | 100% Max: $5,000/yr | 100% Max: $8,000/yr |
| Home care | Not covered | 60% Max: $500/yr | 80% Max: $2,000/yr | 100% Max: $4,000/yr |
| Laboratory tests | Fully covered in public hospital | 80% Max: $350/yr | 90% Max: $700/yr | 100% Max: $1,500/yr |
Co-payment $42.50/item, yearly PBS safety net
Excess: $250/yr
Limit: $1,000/yr
Excess: $100/yr
Limit: $3,000/yr
Excess: $0
Limit: $6,000/yr
Shared room, unlimited days
Shared room
Limit: 15 days/yr
Private room
Limit: 90 days/yr
Private room
Unlimited days
Max: $3,000/yr
Max: $5,000/yr
Max: $8,000/yr
Max: $500/yr
Max: $2,000/yr
Max: $4,000/yr
Max: $350/yr
Max: $700/yr
Max: $1,500/yr
Dental care
| Guarantee | Public Health System Name | Frank Basic Extras | Frank Mid Extras | Frank Top Extras |
|---|---|---|---|---|
| Preventive & routine dental care | Medicare | 60% refund, up to $500/year | 75% refund, up to $800/year | 90% refund, up to $1,200/year |
| Basic dental care | Medicare | 60% refund, up to $500/year | 75% refund, up to $800/year | 90% refund, up to $1,200/year |
| Major dental care | Medicare | Not covered | 60% refund, up to $500/year | 80% refund, up to $1,000/year |
| Orthodontics | Medicare | Not covered | Not covered | 60% refund, up to $800/year, 12-month wait |
Eye care
| Guarantee | Public Health System (Medicare) | Frank Basic | Frank Mid | Frank Top |
|---|---|---|---|---|
| Glasses, contact lenses, surgery (reimbursement rate, amount, period) | Not covered | $100/year, 100% up to limit | $200/year, 100% up to limit | $300/year, 100% up to limit |
| Optometrist consultation (reimbursement rate, amount, period) | Bulk-billed or free once/year | Covered, limit $70/year | Covered, limit $100/year | Covered, limit $150/year |
Specialized and paramedical care
| Guarantee | Public Health System (Medicare) | Frank Entry | Frank Mid | Frank Top |
|---|---|---|---|---|
| Alternative medicine | Not covered | $200/year, max $25/visit | $400/year, max $40/visit | $600/year, max $60/visit |
| Psychologist | Partial rebate, per session limit applies | $300/year, up to $30/visit | $600/year, up to $50/visit | $1,000/year, up to $70/visit |
| Speech therapy | Partial rebate, requires GP referral | $300/year, up to $35/visit | $600/year, up to $60/visit | $900/year, up to $90/visit |
| Travel insurance | Not covered | Not included | $200,000 per trip, 60 days each | $500,000 per trip, 90 days each |
Good to know
Eligible for Frank health insurance in Australia: - Anyone residing in Australia - Must hold a valid Medicare card - Minimum age to apply: 18 years - Children can be covered as dependents, usually up to age 21, or up to 25 if studying full time You can add or remove family members (partner, children) from your policy at any time during your coverage. Choose from 4 types of cover to suit your needs: - Single – For one adult only - Couple – For two adults - Single Parent – For one adult and their dependent children - Family – For two adults and their dependent children
What is the price of Frank health insurance in 2025?
| Type of coverage (household composition) | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
| Individual (1 insured) | Around $30/month | Around $45/month | Around $60/month |
| Couple (2 insureds) | Around $55/month | Around $80/month | Around $110/month |
| Single parent family (1 adult + 2 children) | Around $50/month | Around $75/month | Around $100/month |
| Family (2 adults + 2 children) | Around $70/month | Around $100/month | Around $135/month |
These rates are provided for information purposes only. Actual premiums may vary depending on your personal situation and selected options.
👉 Compare the best health insurance offers in Australia for free.Discover the offersIs Frank health insurance accessible to new arrivals?
Frank Health Insurance is designed for people moving to Australia who are not yet eligible for Medicare, such as new arrivals, international students, temporary workers, and visitors. This plan offers a solution during the waiting period before gaining access to the public health system, ensuring that you are covered in case of medical needs from the moment you arrive.
Main Benefits Provided by Frank Health Insurance:
- Medical Care
- Coverage of consultations with general practitioners (GPs) and outpatient care.
- Example: Consultations reimbursed up to $50–$70 per visit, depending on the doctor and location.
- Prescribed Treatments
- Reimbursement for prescribed medications listed on the Pharmaceutical Benefits Scheme (PBS), often with a limit per prescription.
- Example: Up to $50 per prescription for essential medicines, after an initial co-payment.
- Specialist Care
- Access to specialists such as cardiologists, dermatologists, or pediatricians, usually on referral by a GP.
- Coverage levels vary but may include up to 85% of official rates for specialist consultations.
- Emergency Dental Treatment
- Provides limited coverage for urgent dental issues resulting from accidents or sudden pain.
- Example: Up to $300–$500 per emergency dental incident (e.g., extractions, pain relief).
- Medical Transport
- Ambulance services covered in the case of emergency transportation to the hospital.
- Full reimbursement of emergency ambulance trips within Australia, with some exclusions for air ambulance depending on the state.
- Additional Expenses (Hospitalization or Death)
- Hospital expenses in public or private hospitals, based on the level of coverage chosen.
- Includes costs related to accidental death, such as repatriation or funeral costs, with limits (e.g., up to $5,000).
Informations importantes
Coverage amounts and eligible services depend on the selected plan and options. Always check the specific product disclosure statement (PDS) for the most up-to-date details. Some exclusions and waiting periods may apply, especially for pre-existing conditions.
Validity Duration and Conditions
Frank Health Insurance is available for the entire period you are not eligible for Medicare, typically from arrival in Australia until you qualify for the public system or your temporary visa ends. Policies are generally renewable monthly or annually, up to a maximum continuous duration (for example, up to 5 years), depending on visa type.
Important conditions:
- Coverage is limited to residents temporarily living in Australia (students, skilled workers, bridging visa holders, etc.).
- Age restrictions may apply (typically from 18 up to 65, but varies per plan).
- Coverage may be suspended or limited during travels outside Australia.
- Must be purchased before arrival or within a few days after entry to Australia for continuous coverage.
- No coverage for planned medical travel outside Australia.
Informations importantes
Tip: Always keep proof of your insurance when entering Australia to satisfy any visa or immigration health requirements.
Does Frank health insurance cover seniors?
Frank’s health insurance offer is designed for retirees and seniors who are leaving a workplace group insurance plan, either because they have reached retirement age or their group coverage is coming to an end. The Frank Health Insurance Journey program allows you to transform your collective insurance into an individual health solution without being required to provide new medical evidence. This ensures uninterrupted coverage and peace of mind as you transition into retirement. To benefit from this conversion, it is essential to apply within 60 days after your group insurance ends. Beyond this period, simplified access is no longer guaranteed, and standard acceptance rules will apply.
Below you will find the main coverage options available through the Frank Health Insurance Journey program. Each option is designed to address the specific healthcare needs of seniors, with varying coverage levels and supplementary services:
- Basic Health Plan: Covers essential medical services including prescription medications, consultations with general practitioners, and access to emergency care.
- Extended Coverage Plan: Offers a broader range of services such as specialist consultations, dental care, vision care (including glasses and eye exams), and enhanced reimbursement limits for prescription drugs.
- Travel Protection Plan: Provides coverage for medical emergencies and hospitalisation costs incurred while travelling internationally or interstate, including medical repatriation if needed.
- Home Support Care Plan: Includes cover for home nursing care, physiotherapy at home, and assistance with daily living activities, aiming to support seniors wishing to remain independent at home.
Each plan has different coverage limits and can be adapted to individual needs and healthcare budgets.
Useful Info
If you have just left your group insurance due to retirement or job change, make sure to contact Frank’s advisors as soon as possible. Applying within 60 days ensures a smooth transition and continued access to healthcare without the need for new medical assessments.
Selecting the right option will depend on your personal health priorities, travel plans, and anticipated healthcare use. If you need support to choose, Frank advisors are available to discuss which plan is suited to your current situation.
How does reimbursement with Frank work?
| Feature | Availability | Expert Opinion |
|---|---|---|
| Online invoice submission | ✅ | You can upload your medical bills digitally, which simplifies paperwork and speeds up reimbursement processing. |
| Mobile app | ✅ | Accessing your policy, claims, and coverage details via the app makes day-to-day management faster and more convenient. |
| Client area for claims tracking | ✅ | You can directly monitor the status and history of your reimbursements, offering clear oversight of your healthcare spending. |
| Reimbursement simulator | ✅ | Before any treatment, you can estimate the amount reimbursed, helping you avoid surprises and plan your healthcare budget. |
| Reimbursement delay | 48h | Most claims are processed within 48 hours, allowing for quick access to your reimbursed funds after submitting invoices. |
| Add or remove members without fees | ✅ | You can adjust family members on your plan at no extra cost, ensuring your coverage matches your life changes easily. |
| Phone support with a healthcare professional | ✅ | Direct access to a nurse or doctor by phone helps you get medical guidance quickly without a face-to-face appointment. |
| Second medical opinion | ✅ | You can request a specialist’s opinion on your diagnosis or treatment, offering extra reassurance before critical decisions. |
| 24/7 travel assistance | ✅ | If you encounter health issues abroad, round-the-clock travel assistance ensures support and guidance wherever you are. |
How can I contact Frank health insurance?
| Contact Reason | Contact Frank |
|---|---|
| 9fe I want to get a health insurance quote | Use the online quote form or call 1300 437 265, MonFri 8am8pm AEST (choose "Get a quote" in the menu). |
| 9fe I need a health insurance certificate | Log in to your online account ("Documents" section), or call 1300 437 265, MonFri 8am8pm AEST (select "Membership documents"). |
| a7a I need medical assistance | For urgent medical help, call the Frank Health Assist team at 1800 810 213, available 24/7. |
| 50d I want to report an incident or track a claim | Log in to your online account (see "Claims" tab). Or call 1300 437 265, MonFri 8am8pm AEST (choose "Claims or existing customers"). |
Frank promo codes
| Frank Promo Codes | Details |
|---|---|
| HelloSafe promo code | -5% discount (see comparator for more details) |
Note: Promo codes may be subject to change. For the latest promo codes, please visit our health insurance comparison tool.
FAQ
Who can apply for Frank health insurance?
You can apply for Frank health insurance directly through the official Frank website. However, it is recommended to first compare different offers online to ensure you are getting the best deal for your needs. You can use our health insurance comparison tool to explore all options available in Australia.
Are there any age restrictions with Frank?
Frank generally accepts applicants 18 years and over; there is no specified maximum age limit for joining. However, certain policies or premium levels may vary according to age. It is advisable to check the specific terms and conditions related to your age bracket before applying.
Can you add or remove insured members with Frank?
Yes, you can add or remove family members, such as spouses and children, to your Frank health policy. Typically, changes to your policy can be made online or by contacting Frank’s support, and are subject to standard waiting periods and eligibility rules.
Does Frank health insurance cover extras services like dental and optical?
Yes, Frank offers extras cover in addition to hospital cover, which includes services like dental, optical, physiotherapy, and more. You can select and combine the types of cover most relevant to your needs. Be sure to review the level of coverage and limits under each extras policy.
Are there waiting periods with Frank health insurance?
Frank health insurance applies standard waiting periods for certain treatments and services, especially pre-existing conditions and extras cover. If you are transferring from another insurer, Frank may recognise waiting periods already served, but always confirm this before switching.
How does Frank handle claims and what is the process?
Claims with Frank can usually be lodged online or via their mobile app for convenience. Most extras providers offer on-the-spot claiming with your membership card. For hospital claims, your hospital usually sends the bill directly to Frank. Always keep documentation and ask Frank’s support if you’re unsure about a claim.
Who can apply for Frank health insurance?
You can apply for Frank health insurance directly through the official Frank website. However, it is recommended to first compare different offers online to ensure you are getting the best deal for your needs. You can use our health insurance comparison tool to explore all options available in Australia.
Are there any age restrictions with Frank?
Frank generally accepts applicants 18 years and over; there is no specified maximum age limit for joining. However, certain policies or premium levels may vary according to age. It is advisable to check the specific terms and conditions related to your age bracket before applying.
Can you add or remove insured members with Frank?
Yes, you can add or remove family members, such as spouses and children, to your Frank health policy. Typically, changes to your policy can be made online or by contacting Frank’s support, and are subject to standard waiting periods and eligibility rules.
Does Frank health insurance cover extras services like dental and optical?
Yes, Frank offers extras cover in addition to hospital cover, which includes services like dental, optical, physiotherapy, and more. You can select and combine the types of cover most relevant to your needs. Be sure to review the level of coverage and limits under each extras policy.
Are there waiting periods with Frank health insurance?
Frank health insurance applies standard waiting periods for certain treatments and services, especially pre-existing conditions and extras cover. If you are transferring from another insurer, Frank may recognise waiting periods already served, but always confirm this before switching.
How does Frank handle claims and what is the process?
Claims with Frank can usually be lodged online or via their mobile app for convenience. Most extras providers offer on-the-spot claiming with your membership card. For hospital claims, your hospital usually sends the bill directly to Frank. Always keep documentation and ask Frank’s support if you’re unsure about a claim.
