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Frank Health Insurance

Frank Health Insurance

4.2 from 506 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
    4.4 (8)
  • Transparency
    4.6 (5)
  • Customer Service
    4.5 (8)
  • Claim Resolution Time<1 week (5)
  • Claim ApprovedYes (5) · No (0)
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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 decent 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 DateDecember 2020
Claim ApprovedYes
See all answers
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
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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
Luke

LukeGreater Melbourne (Inner), VIC

  • 2 reviews
  • Verified customer

Frank are neat

published

Extras are great value. 50/80% pay-back at the counter makes appointments with allied health providers so affordable! Haven't had to use hospital so can't comment about that. Online systems are a little buggy/confusing (and if you ever have to call be prepared for a long wait), but the team are pleasant and helpful.

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

Review collected in partnership with Frank Health Insurance

Dal Marshall

Dal MarshallNorth Western Region, NSW

  • 3 reviews

So far so good, and expect this to continue

published

Policy is great value, only offering the things I need not offering me things that are of absolutely no use to me as is offered by my current health fund

October 28th 2019 Update: Good product, nicely priced

Havent had to use the insurance yet, and hope it will be some time before I ever need it ..... but so far the experience has been positive and expect this to continue into the future.

Value for Money
Transparency
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital Only
Coverage TypeSingle
See all answers
Hancko

HanckoHunter Region, NSW

  • 2 reviews

Good cover

published

I have already been in hospital this year and paid $500 excess and now been told that I have to pay another $250 excess in July when I go in again because of the excess now being $750. I was told previously that I was covered for the year and wouldn’t have to pay again when I asked so I stayed with Frank who I have been happy with but $750 excess for an overnight or day surgery is just too much.

Value for Money
Customer Service
Incentivised ReviewNo
Claim MadeNo
Plan CoverageHospital and extras
Coverage TypeSingle
See all answers
  • Verified customer

More about extras

published

I thought the policy was good value when i changed to it 2 years ago from another similar cover. And compared to a lot of others it is better value.
I am happy with the higher 60 % rebate. Never a problem to claim. But I don't like the fact that for eg. naturopathic & homeopathic is no longer inc. in any health insurance. + the other dozen or more modalities wiped from health insurance.
I like the fact that I can suspend my insurance if i'm out of the country for longer than a month.

Value for Money
Customer Service
Incentivised ReviewNo
Claim MadeYes
Plan CoverageHospital and extras
Coverage TypeFamily
Claim Resolution Time<1 week
Claim DateMarch 2019
Claim ApprovedYes
See all answers
1 comment
Frank Health Insurance
Frank Health Insurance FFrank Health Insurance

Review collected in partnership with Frank Health Insurance

  • Verified customer

Coverages

published
Insurance claim madeNo

Review collected in partnership with Frank Health Insurance

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  • Verified customer

Dont love it but dont hate it

published

Around 3 to 4 years. Have compared other health insurances each year but always continue with Frank as they're good for my needs

Insurance claim madeYes

Review collected in partnership with Frank Health Insurance

  • Verified customer

I have only just goi it, so early days still

published

I have only been with the insurance company for one month. So it is early days still for me but I have no complaints so far.

Insurance claim madeNo

Review collected in partnership with Frank Health Insurance

  • Verified customer

Suitable

published

not sure how long of being a member, a few years, staff have been very helpful when making inquiries. Being a pensioner, premiums are getting very expensive.

Insurance claim madeYes

Review collected in partnership with Frank Health Insurance

  • Verified customer

Better than the rest

published

I have been in a health fund continuously for 34 years, many different ones: Medibank private, Budapest, Government Employees Health Fund included. This fund, that I have been with now for over 5 years, has been great for me and my husband. We have been very happy with the benefits we have received. All health fund premiums are expensive but at least this fund has been more generous than others in terms of our claims.

Insurance claim madeYes

Review collected in partnership with Frank Health Insurance

  • Verified customer

Private health gives you options.

published

I was with Medibank private and asked choice to fine me a more affordable insurance. They selected Frank. I am happy with Frank at the moment. I have been with Frank 3-4 years.

Insurance claim madeYes
1 comment
Frank Health Insurance
Frank Health Insurance FFrank Health Insurance

Review collected in partnership with Frank Health Insurance

  • Verified customer

Good cover but very expensive

published

I have been with the company approx. 5 years great cover especially extras but them to be quite expensive and price goes up regularly every year

Insurance claim madeYes

Review collected in partnership with Frank Health Insurance

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  • Verified customer

Necessary evil

published

We have been with Frank health insurance on the top hospital for over five years. We have never made a claim to date. I find health insurance to be extremely expensive and there is a total lack of loyality acknowledgement through premium discounts.
It seems to me that the members that make no claims are supporting thise that make many. There should be a system that premiums are adjusted depending on claim history just like motor vehicle cover.

Insurance claim madeNo

Review collected in partnership with Frank Health Insurance

No Thanks

No ThanksSydney, NSW

  • 2 reviews
  • Verified customer

Works for me

published

Every contact I've had with Frank has worked out well and I've had a few! The website is easy to use and webchat is very very good!

Insurance claim madeYes

Review collected in partnership with Frank Health Insurance

Faye

FayeMelbourne

  • Verified customer

Covers but costs

published

All costs money and questionable if the limited used extras rebates covers the extra cost of insurance!?
However Frank phone service helpful, understandable and good. Easy to negotiate and understand online.
Been covered by health insurance all my life and been with Frank one year. Happy to stay with them thus far.
Do wish I could make direct periodic payments rather than only direct debit.

Insurance claim madeYes

Review collected in partnership with Frank Health Insurance

  • Verified customer

Good vale with known rebates

published

Known amount of rebate makes Frank nixie in the industry - it’s easy to calculate the value you are obtaining.

Insurance claim madeYes

Review collected in partnership with Frank Health Insurance

  • Verified customer

A great start

published

Have been with Frank since Sept. 2018. The online claim process has been easy to navigate, time efficient and speedy rebates. So far, so good :)

Insurance claim madeYes

Review collected in partnership with Frank Health Insurance

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Questions & Answers

ZPY1921

ZPY1921asked

Does frank health insurance cover life health cover in all states ? I live in SA.

1 answer
Frederik
Frederik

I guess as health is Federal, but check with Frank please

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

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