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mt martha

  • 8 reviews
  • 1 comment
  • 1 question
  • 8 helpful votes
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Be careful

2 out of 5, reviewed on Apr 21, 2017

Make sure you write down the date, the time and the person you spoke to. Otherwise they just ignore any of your requests and even though they say all conversations are recorded they are not interested in helping you.
I rang and cancelled because I realised the terms were not suitable for us. They still took money from our account and pretended they never got the cancel call. You may be saving some money but there is no ambulance cover.

Was this review helpful? Yes

Frank Health Insurance Official

Hi Iris, I'm sorry to hear that you've had this experience with Frank. We'd like to look into this further for you - could you please email your details and member number to management@frankhealth... read more »

Thankyou for your kind response. I can say we were pleased with the insurance price we were quoted but the staff we spoke to did not give us the correct information regarding ambulance cover. The... read more »

  • 3 reviews
  • 5 helpful votes
Private message

Customer service is shocking

2 out of 5, reviewed on Dec 14, 2016

This is my first health insurer , TBH it was easy to join and i claim with no issues so can not complain there.
BUT customer service and member portal is dreadful.
I changed my direct debit when i joined via member portal from monthly to fortnightly to reflect my budgeting.
A month later when my next payment was due i raised a ticket via member portal to inquire on my next direct answer for days actually still no answer, direct debit came out they still charged the monthly amount.
Phoned in and call wait was over 30mins
Tried online help, 15 mins to chat with someone then another 15 mins for them to ask my date of birth and address to confirm who i was, i responded straight away then the system crashed.(i work in IT it wasn't our end)
3 days after request through member portal i still have no correspondence.
It wouldn't be an issue with full amount but its xmas and holidays coming up so every cent counts.esp when you change details a month ago to budget for Xmas.

5 people found this helpful, do you? Yes


  • 1 review
  • 4 helpful votes
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Verified Customer Insurance claim made

Misleading advertising, Frank 457 overseas cover provides almost no coverage

2 out of 5, reviewed on May 17, 2016

The costs for nearly nothing are high. The only thing that Frank will cover is when you are actually admitted to a hospital, for more than one day. They do NOT COVER emergency services at all! It if quite ridiculous actually, they will cover the ambulance to the emergency room, but not the emergency service itself.

Nowhere in any of the documents and the contract that I had with Frank did it state this important condition, that emergency services are not covered.


After going to the health ombudsman, Frank paid my claim, which I appreciate, since they were not legally required to do so. However, until they include the specific clause that emergency services are not covered in their PDS, I'll leave this review at 2 stars.

I really wish that Australia would just allow temporary residents to buy into the public healthcare system, even at double the cost, instead of forcing us into the terrible private health market, which essentially covers nothing anybody needs most of the time.

4 people found this helpful, do you? Yes


  • 1 review
  • 1 helpful vote
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Bad experience changing funds

2 out of 5, reviewed on Apr 04, 2015

When Frank was supposed to arrange cancellation of my existing fund I was still debited by them putting my bank account into red so no money for food over Easter!

1 person found this helpful, do you? Yes


  • 7 reviews
  • 6 answers
  • 4 helpful votes
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Not wot u get

2 out of 5, reviewed on Nov 19, 2013

3 weeks ago got a quote and joined as thought WOW very nice . Today got an update $50 above first month payment ( which had been paid but only went for 2 weeks ). It would seem their simple way of doing things ..AINT .So I cancelled today filled out paperwork , scanned , emailed ..2 sorry 3hrs later was ask to fill in the paperwork
I now have to apologise to my previous insurer who was willing to beat Frank .
Plus they said if I come back things maybe dearer

+ Simple

- Simple

2 people found this helpful, do you? Yes

Questions & Answers

do you cover colonoscopy operation ie day surgery? also cancer treatment in hospital clinics? Thank you

Ann. L asked on Feb 15, 2018

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Hi Ann,

Thank you for your recent question.

I can confirm most of our hospital covers offers benefits toward inpatient admission for colonoscopy’s and cancer treatment.

To review our cover options please visit

Frank also offers support via Phone, Web Chat and email interactions and we are open 8am-6pm AEST. It would be best to contact us by one of the above methods if you would like to discuss our cover options and premiums further with you. Our contact information can be located:

We look forward to hearing from you.

Kind regards
Team Frank

Hello, I am currently on overseas health cover. I pay 75$ for my health cover per month. I have disc herniated from my spine, The doctor has suggested for me a surgery, So my question is will all my bills for surgery including hospital bed charges include..?? Am in critical situation.

Jenesh asked on Feb 09, 2018

Answer this

I’m no expert on it but if possible get any proof too say it was accident, and if you have been emitted to hospital straight away, that will be proof, with police and doctors reports. It will depend on your cover but it sounds like you may have the cheaper option so accident is the way too go as that’s where they got out of paying my bills as mine was cause from a accident decades before, so no records. Hope this helps, and hope it pans out the best for you

Hi Jenesh,

Thank you for your recent question.

I am sorry to hear you need to have surgery. We are happy to look into your Frank cover but we do not currently have enough information to access your policy for privacy and we would need to obtain a medical item number for your possible upcoming surgery.

Frank offers support via Phone, Web Chat and email interactions and we are open 8am-6pm AEST. It would be best to contact us by one of the above methods so we can review your cover and discuss this further with you. Our contact information can be located:

We look forward to hearing from you soon.

Team Frank

Do you have any branches in Brisbane? Is it possible to talk with any representatives in person ? I am if online methods( email& phone call) are the only way to contact you? Thanks

Jingjing asked on Jan 31, 2018

Answer this

Hi Jingjing, thank you for your question. Frank is an online Health Insurance fund. There are no physical offices for you to visit to speak with someone in person.
Frank offers support via Phone, Web Chat and email interactions. Frank are open 8am-6pm EST. If you click on this link it will take you through to the Frank contact page. If you are a member please include your membership details, if you are not a member of Frank please contact on one of the methods and we can discuss if it is the right fund for you.
Thank you
Team Frank

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