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Frank Health Insurance

Frank Health Insurance

4.2 from 505 reviews · View Statistics

Health Insurance Guide for 2020

The decision to take up private health insurance can be a very involved process, and the factors that go into your decision will be unique to you. Your first dip into the policy selection process can be pretty overwhelming, so this guide will help lay everything out for you as plainly as possible to get you on your way.

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Reviews

  • Value for Money
    3.9 (60)
  • Transparency
    3.8 (44)
  • Customer Service
    4.2 (58)
  • Claim Resolution Time<1 week (28), 1-2 weeks (3), 1-2 months (2) and 3+ months (1)
  • Claim ApprovedYes (32) · No (3)
Previous
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  • Verified customer

Frank is god value

published

Always helpful and polite, they have helped me out on a couple of occasions, even with the Covid , they reduced my subscription.Very cost effective and easy to contact, well done Frank!

Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeCouple
Under 30No
See all answers

Review collected in partnership with Frank Health Insurance

  • Verified customer

Frank is a legend

published

Frank has been very supportive and transparent through a tough 12 months. My policy is simple to understand and staff were readily available to check items and provide advice on potential out of pocket costs etc thank you Frank!!

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Under 30No
Claim Resolution Time<1 week
Claim ApprovedYes
See all answers

Review collected in partnership with Frank Health Insurance

Matt

MattGreater Melbourne (Outer), VIC

  • 5 reviews
  • 6 likes

A simple call made it worthwhile.

published

My policy is great value. I could actually claim more than what l thought. Having Basic cover l was only looking at the hospital stay.
Lodged the claim over the phone and everything was simple. Was offered a call back if l ran into any issues.
7 years after thinking was l really someone that needed cover.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital Only
Coverage TypeSingle
Under 30No
Claim Resolution Time<1 week
Claim DateNovember 2020
Claim ApprovedYes
See all answers
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The Muppett

The MuppettSydney

  • 8 reviews
  • 3 likes
  • Verified customer

Disgraceful behaviour during the covid pandemic

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital Only
Coverage TypeFamily
Under 30No
See all answers
Robin Marchment

Robin MarchmentGreater Melbourne (Metropolitan), VIC

Great service and premiums.

published

Good choice of cover. Good premiums. Great service. Any query always answered promptly, clearly and courteously. I've been with Frank for about 6 years. Check other funds each year but always stay with Frank.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital Only
Coverage TypeSingle
Under 30No
See all answers
Ariadna R.

Ariadna R.Sydney, NSW

Attention migrants! Got charged for Lifetime Health Cover even got hospital cover immediately

published

I just realised that for the last 3 years I was charged for LHC even as a migrant who got immediately (within 365 days) a private health cover since got a Permanent Residency (and entering the country) I'm not suppose to pay it. And this is about 100$ per month!
Send a request for a refund. Membership Number 245260

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital Only
Coverage TypeCouple
Under 30No
See all answers
1 comment
Ariadna R.
Ariadna R.

Can confirm that the after contacting the insurance company, provided medicare document they have fully refunded

Jennifer

JenniferGreater Melbourne (Metropolitan), VIC

  • 2 reviews

affordable cover

published

I have given Franks a run for my money, when I make a query or complain they have always been professional & responsive, and attended to my claims quickly, also my I had a issue with my LTH Cover, I found where the error was it was from previous fund and Frank refunded my monies straight away. thank you

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim Resolution Time<1 week
Claim ApprovedYes
See all answers
Arthur

ArthurGreater Melbourne (Inner), VIC

  • 15 reviews
  • 3 likes
  • Verified customer

Affordable and good coverage

published
Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim Resolution Time<1 week
Claim DateJune 2020
Claim ApprovedYes
See all answers

I am extremely satisfied with Frank Insurance.

published

My policy is good value.
Bountify were a great company that recommended Frank Ins. and helped me set it up.
Claims usually happen immediately. Adjustments are made by the service provider.
I joined Frank 30-6-2015 (five years)

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageExtras Only
Coverage TypeSingle
Under 30No
Claim Resolution Time<1 week
Claim ApprovedYes
See all answers
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marilyn

marilynSydney Surrounds, NSW

can't live without health cover

published

Yes
no claim as yet, ask me in a months time
Don't know card doesn't say
Don't ask people to do a survey then tell then how many words to right, that is very rude, if you're not satisfied don't ask

Value for Money
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital Only
Coverage TypeSingle
Under 30No
See all answers
Gee

Gee

  • 2 reviews

Health insurance as it should be - Simple and affordable

published

The best health insurer I've used so far- Frank make it very easy to claim on the spot or online. There is no catch with Frank, you get your rebates no matter where you go - no need to go to a 'choice' providers selected by your health insurer.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageExtras Only
Coverage TypeSingle
Under 30No
See all answers

Great perfect

published

Easy access with on hand personnel to answer any queries with claims and questions on what your policy covers.
Ive been a member for approximately 10 years and i can't fault them

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
See all answers

dropped optical provider without notification

published

Frank dropped my optical dispensor vision direct with no notice to customers who have been using them regularly. Now $300 out of pocket. I can return my prescription glasses but wont get refunded for the lenses. They state vision direct is not australian, however they promote "clearly" who are also international

Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital Only
Coverage TypeSingle
Under 30No
See all answers
Suzanne Melbourne

Suzanne MelbourneVictoria

  • 2 reviews
  • 2 likes

Not supportive of COVID - 19 Health practises

published

My son suffers from migraines , so we were recommended to see a Dietician. We did this , but it was a CONFERENCE CALL due to COVID - 19 new practises .
This was certainly not our choice but that of the Clinic.
We were billed $150 , but FRANK HEALTH will not pay this claim .
The service is part of my Benefit , but they will not pay as it was not face to face .
How disgraceful is this .
I will be moving my Health Insurance to a FUND that is responding properly to the current world.
Not happy at all .

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeSingle Parent Family
Under 30No
See all answers
Heidi Kessell

Heidi KessellGreater Melbourne (Inner), VIC

Very slow and unresponsive

published

Horrible experience with Frank, I have been waiting for a claim to be finalised for 4 months. Each time I call I have to explain the situation and sit on the phone for ages and I don’t get any assistance or any initiative to try and finalise the claim. Really poor service.

Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital Only
Coverage TypeSingle
Under 30Yes
Claim Resolution Time3+ months
Claim DateNovember 2018
Claim ApprovedNo
See all answers
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Singh

SinghSydney, NSW

  • 2 reviews

Good for me

published

Policy now good value and easy to set up third time around after putting in alot of homework first and reading fine prints .i had to ask alot of questions and now understand how my policy will work for me.being here 9 months.have made no claims so far.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital Only
Coverage TypeSingle
Under 30No
See all answers

Dodgy and unclear.

published

Hospital rang frank to tell them i most likely had pancreatic cancer (i dont thank god) and needed emergency surgery, frank couldn't clarify if i was 100 percent covered, no matter who you spoke with. The liason at the hospital told me they were the worst health insurer she's ever had to deal with, and that they bwere scamming me. Also rang to see if i was covered for a 3 hour endoscopy, turns out i am which means i don't have to pay 485 for the procedure, but i have to pay frank 750 for hospital excess. So it would literally be cheaper to not use my health insurance which i pay 107 a month for.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30Yes
See all answers
Veronika

VeronikaSydney, NSW

  • Verified customer

Love Frank

published

Every time I use my Frank card the providers can't believe the value I get back. Also the customer service is excellent. Recommend them all the time to friends and family.

Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
See all answers

Review collected in partnership with Frank Health Insurance

top cover and you offer me no card, big delay, crap online portal, crap customer services and no compensation!!!

published

Signed up in 12/12/19 for a top cover. The card is never been sent out. 1st and 2nd time spoke to consultant they said WAIT. 3rd time they said they will resend. Another week they text “card just being sent pls wait another 5-7 business days”. Called them again, they said they are doing the right thing, claim can be made online, their annual limit on their website is not working and you must call them to know the limit, you must paid for expensive item and it is not their faults. Again, it is top cover and you offer me no card, crap online portal, crap customer services and no compensation!!!

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30Yes
See all answers
Giarc

GiarcSouth East Queensland, QLD

  • 3 reviews

Good Coverage, Easy to deal with

published

Good value for the hospital & essential extras bundle. Have been with them for a few years, and even got money back. No issues with hospital day surgery claims. I would like to see a choice for the excess instead of the $750 only being offered and 50% for Day Surgery.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeSingle
Under 30No
Claim Resolution Time<1 week
Claim ApprovedYes
See all answers
Page 1 of 26

Questions & Answers

Joe

Joeasked

Ho my name is Giuseppe Capone member number 321684.
With my working visa coverage I can get reimbursement for medicines like high blood pressure or specialist visit?

No answers
Christine W

Christine Wasked

We have been with Frank for 3 years and they have been very professional when ever I need to find out anything to do with our policy and claims would recommend them to anyone. The only thing I don't know is if our policy is from January to December or does it restart from financial year.

1 answer
k.pringle
k.pringle

Hi....well i guess you are lucky. I had a terrible time with them

lisasmith

lisasmithasked

Is everyone’s excess going up by 50% on the 1st April 2019? Or just ours? Friends with different providers are not experiencing an increase.

2 answers
Kerry Edwards
Kerry Edwards

yes from the first of April

Frank Health Insurance
Frank Health Insurance FFrank Health Insurance

Hi Lisa,

I can't speak for all health insurers, but as I understand it a large portion of providers are electing to increase the excess level on certain policies. The reason that Frank has chosen to increase the excess level, is that we are committed to keeping premiums as low as possible. Generally speaking, a higher excess means a lower premium!

Thanks for getting in touch.

Zac - Team Frank

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