Decent offering - screwed up billing causing headaches
I have basic + simple extras on no tier (that is I make too much to receive a government rebate).
First thing that is annoying is that basic doesn't come with ambulance insurance and there isn't a simple separate ambulance cover, otherwise I would've chosen that over simple extras. I spoke to a customer support agent on the phone and they tried to seriously claim that I would be covered for ambulance in NSW/ACT for those specific states - which is completely false after calling each respective government agency (but admittedly unclear from the...respective websites). Anyway, simple covers is alright, I was able to use dental without waiting period and got an alright benefit (dental code 011 - calculus removal [i.e. hygienic clean], cost $175, benefit from frank $60.20). What annoyed me is that I changed payment details to a new credit card I received through the website, payments didn't go through for 2 weeks, and finally they sent an email saying I had to _call_ to fix a billing issue. I checked the website first and all payment details disappeared. So I called and the voice recording said I had to wait 5 minutes, but didn't speak to an operator until the 9-10 min mark. This is another annoying point of Frank - getting ahold of customer support is painful. It's not important that I speak with someone urgently but they should offer a callback service via (1) their website using the member services, this way they have the details upfront and call and (2) their on-hold music should allow you to preempt with a callback service.
The worst and lowest pay out for coverage
I was with frank insurance for a number of years. Paid huge amount each month and got bugger all when it was time to claim from my surgery. Was told by the medical staff / receptionist that FRANK is the lowest paying health insurance.
The staff do not properly tell you the complete cost and because they left out a few certain words like ' combined total" I was in for a rude shock when I had to pay more money than thought.
Losing it's edge
With recent changes, Frank doesn't have seemed to kept up value for money-wise. I hope to be changing insurance soon but just doing my final checks. (NB: Looking like AHM or health.com.au)
Review collected in partnership with Frank Health Insurance
Higher Premiums & Reduced Services.
We have just received our new yearly premium starting 1st April 2019. The yearly cost has increased by $184.00 and our excess has been increased from $500 to $750 by Frank. To make matters even worse Frank have also decided to remove the following procedures (See List Below) from our current policy as of 1st April 2019. We have had Best Hospital Cover with Frank for numerous years and are extremely disappointed with this continual removal of benefits paid. Please check your upcoming premium & goodbye Frank.
New hospital product categories
Find out how Frank Health Insurance compares to other Health Insurance
Know better, choose better.
Questions & Answers
Im 38 single wanting hospital cover for weight loss surgery. Can you suggest level needed & costs Thanks
Just give Frank a call they are really helpfull
Does frank health insurance cover life health cover in all states ? I live in SA.
I guess as health is Federal, but check with Frank please
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?
Get an answer from our members and Frank Health Insurance representatives
Other Health Insurance
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.