EMERGENCY HOSPITAL ADMISSION
My wife was admitted to a public hospital as a private patient for emergency observation.
When hospital reception swiped her Frank Health membership card, everything was taken care of; room, meals, treatment, doctor etc.
Being a member of Frank Health simplified the whole process & no payment was required.
I think I’ve been with Frank Insurance for at least 2 years? Maybe more..
It has been a simple process to navigate and has great customer service so far.
The policy works well for my specific health needs
Happy with Frank
All claims dealt with quickly. Very happy with Frank Health Insurance. Been with Frank for around 10 years. I like the variety of claims I can apply for. Helps me stay on top of my health.
Simple, good cover, no fuss full coverage health insurance. And they are right here in Victoria.
Im sure we dont use our policy to the full. But it gives us the security we want when it comes to extras. We get 80 per cent back and make full use of optical.
No Frills with good service
It's no frills, and would be good if there was a bit more flexibility in how much you can claim in your extras, but it's still heads and shoulders over the other big insurance companies. The online portal is super easy to use and you can get help easily.
Their staff give misleading information and try to get out of paying off your claims!
I have extras cover with Frank Insurance which is meant to cover any ambulance services. I had to use the NSW ambulance service 3 months ago and I end up paying the ambulance invoice myself because Frank wasn’t responding to them. I tried to claim it back from them and they keep asking me for more documents even though I already sent them everything they asked me to send! I don’t know what they are aiming for here but it definitely doesn’t look like they are doing their job properly!! Don’t recommend it!
Customer sevice isn't great and it really isn't value for money.
The policy was not good value considering you can obtain an almost identical policy from competitors for cheaper, they for some reason misspelled my name even though I signed up via the online form (and everything was typed), it took them longer than usual to setup my account after receiving the clearance certificate and upon trying to cancel my policy, the customer service officer made it purposefully difficult.
Faulty system, hiding behind guise of non profit to deny services &/or compensation
Been a customer with Frank for years, recently my wife and i decided to split our insurances - they ended up putting all of my wife's claims on my profile and i started getting limit reached error on every claim. On contacting them i was informed that i would not be able to claim anything through member portal and will have to do so claims manually through emails where they were rejected twice for same issue ( untrained staff). Went to ombudsman to get this sorted and finally got my claims processed. No compensation provided and told that syste...m issue will FIX ITSELF on 1st jan - which is not really true as limits just reset on 1st jan. Not happy... Many others might not even know that they are missing out on claims due to such system errors. Not even ready to acknowledge the issue on their portal.
Disgraceful behaviour during the covid pandemic
Both my husband and myself have been stood down for the past 7 months due to Covid 19.
Like others we have found the way Frank has handled this crisis to be extremely disappointing. Initially Frank would not do anything to help us out at all, we called and they said sorry we can’t do anything for you. We should have left the fund then but we didn’t unfortunately. They did delay the premium increase for 6 months though like all the other health funds.
Now when we applied for Financial hardship they have denied my application based on the su...per cumbersome and rather ridiculous process they have set up. I provided them with my stand-down letters as proof of being stood down. Unlike all the other businesses we have dealt with during this pandemic this was not enough for Frank. They required an individual letter from my employer stating that they had applied for Jobkeeper for me. It is obvious to me that my employer has much more important things to deal with, like keep the business afloat, rather than individual letters confirming that they have applied for Jobkeeper for all of their employees. It is unreasonable to expect any company to provide more individual letters confirming exactly what the stand down letter confirms. This is ridiculous and as I have said Frank are the only company that we’ve dealt with that requires such extensive documentation. That’s the purpose of the Stand-down letter isn’t it? So let me get this right.... if I wasn’t on Jobkeeper they have denied me financial hardship, when I need it the most as I have no income at all, based on nothing other than being callous when I have provided clear proof that I am stood down. However if I am on Jobkeeper (and therefore in a better financial position) then they will give me the 30% discount! What a joke that is. Personally I don’t see what Jobkeeper or Jobseeker has to do with anything. The fact that they will give me the discount if I am on one of the government assistance packages but they won’t give me any discount if I am receiving no government assistance proves this is a grossly unfair and disingenuous offer. I have proved that I have been stood down due to the pandemic and hence the financial hardship part! This rather insincere offer is nothing more than a rouse and as a result I have changed health funds to one that has integrity and is quite a bit cheaper too. Thanks Frank you did me a favour by your uncaring and unscrupulous business practices during this crisis.
Attention migrants! Got charged for Lifetime Health Cover even got hospital cover immediately
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
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
Affordable and decent coverage
I am the person who always shops around for a good deal. And Frank is one of the most affordable, with a respectable coverage. Frank is also part of GMHBA, which is not-for-profit company. I have been with Frank for years, and every year I will try to find a better deal elsewhere, but nothing beats Frank.
This is the year I finally have to leave Frank for another provider.
I have Hospital and Extras cover, but I have never made a Hospital claim until now. Frank does not participate in the Access Gap Cover scheme. I found out about this schem...e which means that specialist and private hospitals who participates in this scheme will have a fixed/known gap which is usually capped at $500 per specialist. Their parent GMHBA participates in this scheme, but Frank doesn't. Most of my claims are for Extras and benefits can be accessed via HICAPS on the spot when I receive treatment. If I forget my card, I can quickly lodge a claim on their website - it's also quick to approve and pays you the benefit fast too! The Extras allowance for Frank is very generous compared to many health funds for the services that I use. So I recommend comparing it with the services you’re using as it may defer from mine. As a member, you need to comfortable interacting with them via the computer - they are quick to respond to your queries. If you need to see someone in a retail space, this is not for you. But if you're tech-savvy enough, you save heaps! They have an internal mail system through the web portal or Live Chat, which are always helpful. If you prefer to speak to someone over the phone, they’re also available.
can't live without health cover
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
dropped optical provider without notification
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
Not supportive of COVID - 19 Health practises
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 .
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
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