Very good service
Very good value for money and the process of claiming is simple and friendly. We have been member of the insurance quite long time now it could be ten years or more.
Best Ever Health Insurance
I have been with Frank Health Insurance for quite a number of years now and can’t speak highly enough of their great customer service and swift processing of Extras claims. Very happy I switched to them!!
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.
I have compaired Frank with many services but" they "can not beat there pricing or services
2013 still current with them 2021
Have been offered other policies but they cannot give the same for the $ value that makes all the difference when your on the pension I would rather pay health insurance than home and content insurance
Excellent call centre
I rang Frank on their1300 to ask a question. the lovely consultant Olivia was ever so charming and very helpful and resolved my query on the spot. I have just joined and feel I HAVE done hubby and myself a really big favour. I have heard frank are very good.
Poor hospital cover and terrible IT system with Frank.
I originally took out a Frank policy 4 years ago as a student and back then the coverage seemed reasonable. Their 'bronze' hospital/50% extras cover was reasonable for younger/healthy people. Staff are good too, based in Geelong, you dont have to wait on hold too long and no overseas call centres. I also liked the 'Live Chat' option, being able to talk to someone discretely while still working in the office.
With a family now, I found the coverage to not really cut it anymore. They dont really have anything between the basic bronze hospital an...d a high-level option as other providers do. New provider had all the basics Frank has plus a whole lot more, such as back/spine, blood, heart, lungs, plastic surgery and more for $600/year more as a 'silver' option, plus far more comprehensive extras too. Find that is more important when you're a family of four. Most of all with Frank, their IT systems are truly shocking, very old-school design and what you'd expect 20 years ago, primarily text-based and constantly crashing. Except even 20 years ago you don't get the sheer amount of issues with making payments/policy changes as you get with Frank today. Here's a list over 4 years: - The didn't apply a promotional discount upon original signing, I had to write to them to follow and then they got the figure wrong a second time! More follow up. End date of my initial membership application was also incorrect and more follow up. - My wife incorrectly had LHC loading applied, despite her application having all the correct info. - When I later tried to add my wife to our policy and pay the difference for her part of the policy, they weren't able to set this up for me and then gave incorrect dates and figures yet again. Had to follow up for a 4th and 5th time! - They then didn't send a letter or new card to my wife, several hours of stuffing around just to get my wife on our own policy with her own card.
Great call Centre with very little wait time. All staff members very knowledgeable and polite
Claims are paid with no fuss. Call Centre staff amazing,
Cover is expensive, however in line with other health insurance company’s
Been with Frank 2 years from GMHBA 8 years
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.
I joined Frank in August 2020. I took out extras cover for the first time in years, and both extras and hospital cover cost the same as my hospital only cover with HCF. Win!
Since August I have been seeing a number of applied health professionals including dentists, osteopaths, physiotherapists, acupuncturists and others. The osteopath said it was the highest rebate she had seen on a bill – as promised by Frank, 80% of the visitation price.
My only gripe is that I had a huge amount of periodontal work done on one day, and Frank capped that pay...
Frank is god value
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!
Frank is a legend
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!!
A simple call made it worthwhile.
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.
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.
Great service and premiums.
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.
Questions & Answers
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?
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.
Hi....well i guess you are lucky. I had a terrible time with them
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