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.
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.
I am extremely satisfied with Frank Insurance.
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)
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
Health insurance as it should be - Simple and affordable
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.
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
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 .
Very slow and unresponsive
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.
Good for me
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.
Dodgy and unclear.
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.
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.
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!!!
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!!!
Good Coverage, Easy to deal with
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.
Frank are neat
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.
Review collected in partnership with Frank Health Insurance
Great coverage, competitive price
I was introduced to Frank through iSelect. I had actually chosen them myself firstly but iSelect confirmed my choice. I have only been with Frank for a few years but have had to have made several claims during that time. The claim process has been really easy and I have even unexpectedly received money back at the end of the year. The only negative thing I would say is that they are only contactable Monday to Friday during business hours.
Claiming Cancer Council products is a nightmare
FRANK has been great up until I needed to make a claim. Then, the wheels fell off.
First, their online system doesn't support claiming receipt items such as Cancer Council products, so you have to email them receipts, old-school style. Then, after emailing receipts, they could not for some reason see the attachments, so I had to resent (yes the attachments were indeed there).
A few days later, they processed the claim, but only up to the maximum amount for a single item! They did not process each line item as I am entitled to in their product...documentation, and they completely ignored the other receipt of a single Cancer Council item purchased at an independent shop. So far my experience with FRANK has been unnecessarily stressful and time-wasting. Perhaps I can invoice them for all of my wasted time to do their job for them? FRANK, Please get your act together.
Frank health is a great value and customer service
I’ve been with Frank for over 2 years now. Easy to set up with very helpful friendly staff and easy to do claims online and only a few days to process.
Cancelled my hospital insurance with another insurer
When taking out ancillary cover only, they completed a cancellation form for both hospital and ancillary cover. It took me 2 hours to fix it up with them and my hospital insurer which was clearly an admin error of GMHBA. I am glad I ended up cancelling extras cover with Frank because, I find out anyway that they would hate to have to take on covering our family for extras as we would claim orthodontics. Not sure that is how health insurance works but anyhow, good to know Frank and indirectly GMHBA will not go broke now from not covering our orthodontic item numbers that we will claim.
Fair and Fair dinkum
always been there to assist with claims , and offer help with questions , have so far been excellent with paying out claims and made me feel less vulnerable , or worried about being taken care of , when sick and in an already stressful situation. It is nice to know Frank is watching my back .
Love that Premiums remained reasonable
Policy was easy to set up and love that premiums did not escalate rapidly. This is my 3rd year with Frank Insurance after previously changing health insurance yearly due to dramatic rise in premiums
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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