Frank health insurance

Is it a good health insurer?

Frank has 8 hospital and 9 extras policies in our comparison, from $78.96 a month for hospital cover (Single · NSW · $750 hospital excess, after rebate).

Issued by GMHBA Limited. Hospital, extras or both.

Explore 8 hospital and 9 extras products, or find cover by treatment. Sources for Frank

Reviewed, Edited and Designed by

Grace Connolly

Created with AI assistance

Our editorial process

Page updated 27 October 2026 · Prices effective 17 September 2026

I need cover for…

Compare cover across all Australian health funds.

Frank cover: the main choices.

For heart and vascular system treatment

Bronze Plus Max Hospital covers heart and vascular system treatment. Check the hospital cover for exclusions and restricted benefits before choosing.

Compare hospital inclusions

If you claim non-PBS medicines every year

Classic Extras has a $350 non-PBS medicines limit that it shares with other services. Check the extras benefits for shared pools and claim conditions.

See the benefit differences

Before you pay for Bronze

Bronze Hospital adds bone, joint and muscle treatment and other categories compared with Basic Plus Hospital but does not fully cover dental surgery, which Basic Plus Hospital includes. What the hospital cover step costs depends on your household, state and excess.

Compare hospital inclusions

Frank policies and example prices.

The profile you choose updates the Frank price tables, hospital shortlist and alternative-policy comparison below.

Who needs cover?

SingleCoupleFamilySingle parent

State or territory

Hospital excess

Single · NSW · $750 hospital excess · example premiums after rebate.

Monthly examples include the 24.118% government rebate, the maximum for adults under 65. Your rebate and final quote may differ.

Price assumptions

Need a Frank price for your circumstances? Compare Frank with cover across all Australian health funds.

Compare my options

Hospital cover

8 product lines

Frank hospital policies: monthly example premiums after rebate for Single · NSW · $750 hospital excess
Tier	Product	Monthly premium after rebate	Explore
Basic	Basic Accident Boost HospitalBasic Accident Boost Hospital	$78.96/month	Policy details: Basic Accident Boost Hospital
Basic Plus	Basic Plus HospitalBasic Plus Hospital	$84.68/month	Policy details: Basic Plus Hospital
Bronze	Bronze HospitalBronze Hospital	$100.05/month	Policy details: Bronze Hospital
Bronze Plus	Bronze Plus HospitalBronze Plus Hospital	$105.55/month	Policy details: Bronze Plus Hospital
Bronze Plus	Bronze Plus Max HospitalBronze Plus Max Hospital	$117.84/month	Policy details: Bronze Plus Max Hospital
Silver	Silver HospitalSilver Hospital	$127.44/month	Policy details: Silver Hospital
Silver Plus	Silver Plus HospitalSilver Plus Hospital	$183.94/month	Policy details: Silver Plus Hospital
Silver Plus	Silver Plus Max HospitalSilver Plus Max Hospital	$326.16/month	Policy details: Silver Plus Max Hospital

$142.22 more per month for Silver Plus Max Hospital versus Silver Plus Hospital after rebate for the selected example profile.

Assisted reproductive services is an additional inclusion, not the complete list of differences.

Extras cover

9 product lines

Frank sells its six Bundables extras policies only with certain Frank hospital policies.

Frank extras policies: monthly example premiums after rebate for Single in NSW, with no hospital excess
Product	Monthly premium after rebate	Explore
Bundables $250Bundables $250	$11.76/month	Policy details: Bundables $250
Easy ExtrasEasy Extras	$21.47/month	Policy details: Easy Extras
Bundables $500Bundables $500	$23.52/month	Policy details: Bundables $500
Bundables $750Bundables $750	$34.91/month	Policy details: Bundables $750
Classic ExtrasClassic Extras	$43.40/month	Policy details: Classic Extras
Bundables $1,000Bundables $1,000	$45.53/month	Policy details: Bundables $1,000
Max ExtrasMax Extras	$59.72/month	Policy details: Max Extras
Bundables $1,500Bundables $1,500	$72.09/month	Policy details: Bundables $1,500
Bundables $2,000Bundables $2,000	$97.89/month	Policy details: Bundables $2,000

JavaScript is off. Prices show Single / NSW / $750 excess; the shortlist shows cataracts and the alternatives show Frank Silver Plus Hospital comparisons. All policy links remain available.

All Frank policy pages

What does Frank hospital insurance cover?

Choose a treatment

2 Frank hospital policies fully cover cataracts

Tier	Product	Monthly premium after rebate	Explore
Silver Plus	Silver Plus HospitalSilver Plus Hospital	$183.94/month	Check policy details: Silver Plus Hospital
Silver Plus	Silver Plus Max HospitalSilver Plus Max Hospital	$326.16/month	Check policy details: Silver Plus Max Hospital

Single · NSW · $750 hospital excess. Only policies that fully include cataracts are shown. How we read hospital categories

Compare selected treatment categories across all 8 hospital policies

Selected Frank treatment categories.

Treatment	Basic Accident Boost HospitalBasic	Basic Plus HospitalBasic Plus	Bronze HospitalBronze	Bronze Plus HospitalBronze Plus	Bronze Plus Max HospitalBronze Plus	Silver HospitalSilver	Silver Plus HospitalSilver Plus	Silver Plus Max HospitalSilver Plus
Cataracts	Not included	Not included	Not included	Not included	Not included	Not included	Included	Included
Joint replacements	Not included	Not included	Not included	Not included	Not included	Not included	Included	Included
Heart and vascular system	Not included	Not included	Not included	Not included	Included	Included	Included	Included
Pregnancy and birth	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Included
Assisted reproductive services	Not included	Not included	Not included	Not included	Not included	Not included	Not included	Included
Hospital psychiatric services	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted	Restricted
Back, neck and spine	Not included	Not included	Not included	Included	Not included	Included	Included	Included
Plastic and reconstructive surgery (medically necessary)	Not included	Not included	Not included	Not included	Included	Included	Included	Included
Bone, joint and muscle	Not included	Not included	Included	Included	Included	Included	Included	Included
Brain and nervous system	Not included	Not included	Included	Included	Included	Included	Included	Included
Breast surgery (medically necessary)	Not included	Not included	Included	Included	Included	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Not included	Not included	Included	Included	Included	Included	Included	Included
Diabetes management (excluding insulin pumps)	Not included	Not included	Included	Included	Included	Included	Included	Included
Digestive system	Not included	Not included	Included	Included	Included	Included	Included	Included
Ear, nose and throat	Not included	Not included	Included	Included	Included	Included	Included	Included
Eye (not cataracts)	Not included	Not included	Included	Included	Included	Included	Included	Included
Gastrointestinal endoscopy	Not included	Not included	Included	Included	Included	Included	Included	Included
Kidney and bladder	Not included	Not included	Included	Included	Included	Included	Included	Included
Male reproductive system	Not included	Not included	Included	Included	Included	Included	Included	Included
Miscarriage and termination of pregnancy	Not included	Not included	Included	Included	Included	Included	Included	Included
Pain management	Not included	Not included	Included	Included	Included	Included	Included	Included
Skin	Not included	Not included	Included	Included	Included	Included	Included	Included
Dental surgery	Not included	Included	Not included	Included	Included	Included	Included	Included

How we read hospital categories

More premium does not mean more back on everything.

Frank extras limits per 12 months unless the statement says otherwise

Selected benefit	Bundables $250	Easy Extras	Bundables $750	Classic Extras	Max Extras	Bundables $2,000
Optical / physio benefit examples	50% of eligible charge	Optical: 100% of eligible charge. Physio: $32.00 set benefit for an initial visit	50% of eligible charge	Optical: 100% of eligible charge. Physio: $42.00 set benefit for an initial visit	Optical: 100% of eligible charge. Physio: $44.00 set benefit for an initial visit	50% of eligible charge
Optical limit	$125.00Sub-limit per calendar year, within a $250.00 shared limit. Shared with general dental, major dental, endodontic and 9 more services	$100.00	$375.00Sub-limit per calendar year, within a $750.00 shared limit. Shared with general dental, major dental, endodontic and 9 more services	$200.00	$250.00	$1,000.00Sub-limit per calendar year, within a $2,000.00 shared limit. Shared with general dental, major dental, endodontic and 9 more services
Physiotherapy limit	$125.00Sub-limit per calendar year, within a $250.00 shared limit. Shared with general dental, major dental, endodontic and 9 more services	$350.00Shared with chiropractic, acupuncture, remedial massage, Chinese herbal medicine & osteopathy	$375.00Sub-limit per calendar year, within a $750.00 shared limit. Shared with general dental, major dental, endodontic and 9 more services	$350.00Shared with exercise physiology & other services	$400.00Shared with exercise physiology & other services	$1,000.00Sub-limit per calendar year, within a $2,000.00 shared limit. Shared with general dental, major dental, endodontic and 9 more services
Major dental + endodontic limit	$125.00Sub-limit per calendar year, shared with orthodontics, within a $250.00 shared limit. Shared with general dental, orthodontic, optical and 8 more services	Not included	$375.00Sub-limit per calendar year, shared with orthodontics, within a $750.00 shared limit. Shared with general dental, orthodontic, optical and 8 more services	$800.00	$1,000.00	$1,000.00Sub-limit per calendar year, shared with orthodontics, within a $2,000.00 shared limit. Shared with general dental, orthodontic, optical and 8 more services
Psychology included?	Yes	No	Yes	Yes	Yes	Yes
Optical waiting period	6 months	6 months	6 months	6 months	6 months	6 months
Source statement	Single-policy example	Single-policy example	Single-policy example	Single-policy example	Single-policy example	Single-policy example

Single-policy examples. Each links to its policy statement.

About these examples

Easy Extras → Max Extras

The optical limits move from $100 to $250 for the Single-policy examples. Max Extras raises the shared physio limit from $350 to $400 and adds psychology.

Max Extras: higher benefit examples

The optical examples stay at 100%, with a $250 optical limit and $400 shared physio limit for the Single-policy example.Compare these benefits with the premium.

Why Frank's shared limits and waiting periods matter

Every optical benefit shown has a standard waiting period of 6 months.

How shared limits work

Frank vs. ahm vs. Qantas

How Frank compares with similar hospital policies.

These are selected Silver Plus examples from ahm and Qantas, not identical policies or a search for the cheapest cover across the market.

Compare alternatives to

Comparing Frank Silver Plus Hospital with ahm Core Silver Plus and Qantas Silver Plus Select Hospital. Single · NSW · $750 hospital excess · Silver Plus hospital cover

Change price profile ↑

Frank and selected alternatives: monthly prices and verified coverage differences.

Compare	FrankSilver Plus HospitalReference policy	ahm Core Silver Plus$3.76 less a month than Frank	Qantas Silver Plus Select Hospital$5.80 more a month than Frank
Monthly premium after rebate	$183.94/month	$180.18/month (lowest price in this row)	$189.74/month
Cataracts	Included	Included	Included
Joint replacements	Included	Included	Included
Pregnancy and birth	Not included	Not included	Not included
Hospital psychiatric services	Restricted	Restricted	Restricted
Heart and vascular system	Included	Included	Included
Policy details	View Frank Silver Plus Hospital	View ahm Core Silver Plus	View Qantas Silver Plus Select Hospital

Price assumptions

What the differences mean for you

All 38 treatment categories have the same status for these policies. That does not mean the policies have identical terms or out-of-pocket costs.

These alternatives match Frank Silver Plus Hospital on tier, cataracts and joint replacements. How we choose alternatives

Compare all 38 hospital treatment categories

Frank and the alternatives: all 38 treatment categories, policy information as at 26 October 2026.

Compare	FrankSilver Plus Hospital	ahm Core Silver Plus	Qantas Silver Plus Select Hospital
Rehabilitation	Included	Included	Included
Insulin pumps	Not included	Not included	Not included
Pain management with a device	Not included	Not included	Not included
Dialysis for chronic kidney failure	Not included	Not included	Not included
Cataracts	Included	Included	Included
Joint replacements	Included	Included	Included
Hospital psychiatric services	Restricted	Restricted	Restricted
Pregnancy and birth	Not included	Not included	Not included
Assisted reproductive services	Not included	Not included	Not included
Heart and vascular system	Included	Included	Included
Back, neck and spine	Included	Included	Included
Blood	Included	Included	Included
Bone, joint and muscle	Included	Included	Included
Brain and nervous system	Included	Included	Included
Breast surgery (medically necessary)	Included	Included	Included
Chemotherapy, radiotherapy and immunotherapy for cancer	Included	Included	Included
Dental surgery	Included	Included	Included
Diabetes management (excluding insulin pumps)	Included	Included	Included
Digestive system	Included	Included	Included
Ear, nose and throat	Included	Included	Included
Eye (not cataracts)	Included	Included	Included
Gastrointestinal endoscopy	Included	Included	Included
Gynaecology	Included	Included	Included
Hernia and appendix	Included	Included	Included
Implantation of hearing devices	Included	Included	Included
Joint reconstructions	Included	Included	Included
Kidney and bladder	Included	Included	Included
Lung and chest	Included	Included	Included
Male reproductive system	Included	Included	Included
Miscarriage and termination of pregnancy	Included	Included	Included
Pain management	Included	Included	Included
Palliative care	Included	Included	Included
Plastic and reconstructive surgery (medically necessary)	Included	Included	Included
Podiatric surgery (provided by a registered podiatric surgeon)	Included	Included	Included
Skin	Included	Included	Included
Sleep studies	Included	Included	Included
Tonsils, adenoids and grommets	Included	Included	Included
Weight loss surgery	Not included	Not included	Not included

Compare Frank with cover from every Australian health fund.

Compare all funds

Frank against the industry.

These figures describe GMHBA Limited, which issues Frank health cover, not Frank customers alone.

GMHBA members had no gap on 86.3% of in-hospital medical services in the 2024-25 financial year, against 87.1% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
GMHBA paid 45.6% of members' extras (general treatment) charges in the 2024-25 financial year, against 50.7% across the industry. State of the Health Funds Report 2024-25 · accessed 26 October 2026
GMHBA increased premiums by an average of 1.98% in 2026, against 4.41% across the industry. Government premium-increase figures · accessed 23 October 2026

Complaint share is close to market share, but investigated complaints are lower

Share of all complaints, 2024-251.8%

Market share, 30 June 20252.1%

0%12%

State of the Health Funds Report 2024-25 · checked 26 October 2026

GMHBA's share of complaints the Ombudsman received in 2024-25 is close to its market share at 30 June 2025. Its share of complaints the Ombudsman investigated that year is 0%, below its market share.

Latest quarter, January to March 2026. The Ombudsman referred 20 complaints about GMHBA Limited to it to resolve, 3% of those it referred about all insurers, and investigated none. Ombudsman Quarterly Update · checked 26 October 2026

Read the State of the Health Funds Report 2024-25

App Store

3.5 / 5

35 App Store ratings

Frank Health Insurance app · GMHBA Limited

Snapshot: 22 October 2026. Frank Health Insurance is Frank's own app. This rates the app on the Australian App Store, not Frank's cover or claims. This small sample may not reflect the experience of most members.

See Frank Health Insurance on the App Store

Google Play

2.3 / 5

29 Google Play reviews

Frank Health Insurance app · GMHBA Limited

Snapshot: 22 October 2026. Frank Health Insurance is Frank's own app. This rates the app on Google Play, not Frank's cover or claims. This small sample may not reflect the experience of most members.

See Frank Health Insurance on Google Play

What review and complaint figures mean

Check the practical details.

Check your provider
Confirm that Frank recognises your provider. Ask for a treatment plan and item numbers so Frank can estimate your benefits and out-of-pocket costs.
Frank provider search
Make or track a claim
Use Frank's health claims guidance and member login for receipts, claim tracking and remaining benefits.
Claims guidance Health member login

Contact Frank

For general enquiries, call 1300 437 265. Monday to Friday 8:30am to 5pm (AEDT).Contact details checked 22 October 2026.Official contact details and messaging options

Before you choose Frank.

Who provides Frank health insurance?

Frank health insurance is issued by GMHBA Limited. A Frank policy is not necessarily identical to a policy sold under another GMHBA brand, so compare the actual policy terms and price.

Source: Frank fund rules, checked 26 October 2026.

Can younger adults get a discount with Frank?

Frank offers age-based discounts to eligible younger adults. Check the discount on your quote and how it changes as you get older.

Source: Frank fund rules, checked 26 October 2026.

What is the cheapest Frank hospital policy?

Basic Accident Boost Hospital is the cheapest Frank hospital policy for a single person in NSW with a $750 hospital excess, at $78.96 a month after the 24.118% government rebate for adults under 65 (prices effective 17 September 2026). This compares all 8 Frank hospital policies, not the whole market. Check what it excludes before choosing on price.

Source: How we compare prices, checked 26 October 2026.

What changes if I move from Bronze Plus Max Hospital to Silver Hospital?

Frank Silver Hospital adds cover for back, neck and spine and 1 more category compared with Bronze Plus Max Hospital. For the Single / NSW / $750 excess example it costs $9.60 more a month, so check what each policy covers before you upgrade.

Source: Private Health Information Statements, checked 26 October 2026.

Sources for Frank.

Policy information retrieved 26 October 2026. Prices effective 17 September 2026.

Private Health Information Statements · Frank · checked 26 October 2026
State of the Health Funds Report 2024-25 · GMHBA · checked 26 October 2026
Government insurer profile · GMHBA · checked 22 October 2026
Government premium-increase figures · GMHBA · checked 23 October 2026
Government rebate rates and eligibility · Australian Government · checked 26 October 2026
App Store listing for Frank Health Insurance · GMHBA Limited · checked 22 October 2026
Google Play listing for Frank Health Insurance · GMHBA Limited · checked 22 October 2026
Official contact details · Frank · checked 22 October 2026
Frank fund rules · Frank · checked 26 October 2026
Frank Bundables $250 page · Frank · checked 26 October 2026
Frank Bundables $750 page · Frank · checked 26 October 2026
Frank Bundables $2,000 page · Frank · checked 26 October 2026

How we compare health insurers

Compare Frank policies Sources for Frank Back to top

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