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Michael H.Greater Melbourne (Outer), VIC
- Verified customer
The Perfect Cover.
My policy was easy to set up and covered everything i required. Have lodged a few claims in the last year and there has been no problems claiming, have been with Frank for 3 years. I am more than satisfied with the service and cover i get with my policy.
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Review collected in partnership with Frank Health Insurance
JulaHunter Region, NSW
- 2 reviews
- Verified customer
Genuine Health Insurance
I am so grateful to have health insurance with Frank. I joined in May this year and being an active sporting family, we have used Speech Pathology, Podiatry, Optical, lots of Physio and many other extras. All ancillaries received full 60% rebate with no fuss.
In addition, sadly, I had one daughter rupture her ACL in July and the other daughter ruptured hers in August this year. Both were participating in team sport and both were genuine accidents. Frank were absolutely fabulous and professional in giving clearance for both daughters to have t...Read more
heir necessary ACL reconstructions and this was done with zero excess. Frank provide excellent service, excellent support and are very good at responding to requests and providing information. I love the simplicity of Frank and the ease in understanding what Im entitled to and what the policies state. I constantly recommend Frank to my friends, colleagues and family. Im a big supporter of Frank. Please dont change who you are and what you do.Similar opinion? Write a review on ieatwords.com.au!
Review collected in partnership with Frank Health Insurance
M McKillopSydney, NSW
- Verified customer
The best health fund I have been a member of yet.
Consistently exceeds expectations with the rebates I get on allied health. Have not yet used it with in patient services. Slightly disappointed when I realised there is no naturopathy cover.
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Review collected in partnership with Frank Health Insurance
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helen.garskeNorthern Region, NSW
Well worth the money
I did not realise I was entitled to a payment for medication upon leaving hospital. I am very satisfied with the service and the over the phone assistance given to me
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DeniseGreater Melbourne (Inner), VIC
- 2 reviews
Fills all my needs
My policy was set up with CS and I feel I get value for money. I have been with Frank nearly 3 years and couldn’t be happier. I have lodged claims without any problems.
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Frank Minimum Working Visa (Overseas Visitor Health Cover) Does NOT exempt from Medicare Levy Surcharge
Signed up for Frank's Minimum Working Visa Insurance prior to arriving in Australia on a 482 Temporary Visa. The purchase was straight forward and it was very clear that it met the visa requirement which was my main concern at the time and it was accepted in the visa application.
We carried on paying solely because Private health insurance exempts you from paying the Medicare Levy Surcharge, an extra 1.5% of your salary on top of your 2% usual medicare tax if you earn above a certain threshold. If you earn a reasonable wage it's cheaper to pay...Read more
for insurance than pay this fee. However when it finally came to tax time it turns out that for some unknown reason Franks Minimum Working Visa cover (also called Overseas Visitor Health Cover) does *not* count as insurance that allows you to avoid the surcharge. So not only have I spent a few grand paying for glorified ambulance cover (which you can get elsewhere for $2 per week), but I can now look forward to a tax bill of a couple of thousand dollars next year. It doesn't say this on the fact sheet but you can find this nugget of valuable information 3/4 of the way down the page on https://www.frankaustralia.com.au/AustralianHealthcare/ which after spending weeks sifting through visa information on the Department of Home Affairs, is just the kind of 'slight of hand' we love to be caught out by. Bear in mind that all 'minimum level' fees advertised on these insurance fund websites explain they are basically for 'tax reduction'. So beware, this one does not.Similar opinion? Write a review on ieatwords.com.au!
MadeleineSydney Surrounds, NSW
- 2 reviews
Always happy to help, no excuses to pay!
Great value, great service! Been with them 2.5 years and all claims were paid without any hassles! Can highly recommend Frank. Even had a shortfall paid back to us without submitting the claim!
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BernieMetropolitan Adelaide, SA
Great Health Insurance company
This health insurance company is great. Customer service is friendly and efficient. They have good value for money policies and payouts when claiming are high. They pay the same no matter where you go.
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This is a must have insurance
Is great value have been with frank for around 2 years, I have had many offers from other health co but I find frank health insurance to be the best by far.
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Dal MarshallNorth Western Region, NSW
- 2 reviews
So far so good, and expect this to continue
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 2022 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.
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Excellent private health insurance, great customer service
Great value for the policy, I have been on their extras for a couple of years now. It was easy to set up. Customer service is excellent, especially with their live chat. you can pretty much ask anything, and their staff is all very helpful and friendly (most of the time). Especially this person Shareena, she is very friendly and help me deal with what I needed.
you can lodge a claim online, and usually you'll receive it within a week.
I've been with them for 3 years now.
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Ron of Rye.Greater Melbourne (Outer), VIC
Excellent fund to deal with. Very happy.
I don't think any funds are good value but Frank softens the impact with open and friendly service. All our claims have been settled in an acceptable time.
As best I can recall I have been with Frank for approximately 6-8 years.
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Awais MahmoodSydney, NSW
- 2 reviews
No more frank health insurance it's cheap but they don't return your hospital expenses.
I bought visitor family health insurance 2years ago. This month first time I lodge a claim which is $500 return but they start playing games and sad bring multiple docs from hospital. I ask hospital they sad we never ever giving these forms to patients even we don't have. I have all invoices which is i already provide to insurance company but they won't help me. Before I was with allianz they bit expensive but good when ever I lodge claim they made more easier for us and return. No more Good by Frank
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The reviewer stated that an incentive was offered for this review
Clarissa CrombieHunter Region, NSW
- Verified customer
Best choice we made was switching to Frank
Yes most certainly good value compared to other funds.
I had never heard of Frank before so was hesitant but had no problems at all.
We were with HCF for many years and it just kept going up in price.
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Review collected in partnership with Frank Health Insurance
Matt HSouthwest, VIC
- 10 reviews
- 28 likes
Decent enough insurance, but needs improvement
I opted out of Medibank after 20 years and chose to go with Frank, partly as it was cheaper and also local to where I lived in Geelong. Me, my wife and our baby are all on a medium level of hospital cover/basic extras for 2 years or so now.
I haven't claimed anything significant, so cant comment on that. Overall, it seems ok, though pretty damn expensive for a "budget" provider ($3200k/year for us as a couple + $750 excess per claims) for what you get, although I guess all providers have put their rates up. Its nice to not have to deal with ov...Read more
erseas call centres, as all their staff are based in Geelong. Their online live chat is pretty useful, and you can nearly always get hold of someone over the phone too. Their online system is reasonable but fairly archaic, the clearly dont put a lot of money into their IT. Its also really confusing too, the online help articles are not useful at all. For instance, if you have a couples policy, you will both be on the same policy but have separate claims for different items. So it will show a couples claim limit but its not actually applicable, really confusing. I think you need to check your hospital cover exclusions very carefully to see what is and isn't covered. They wont provide you a list of codes that they pay claims on for medicare rebate items, so you need to ask them every time to see if your issue is covered by their health insurance. This seems kind of weird they wont do that, and in theory they could exclude a lot of things from your cover without you even knowing about it, despite you paying thousands a year. Be careful with this. They also make a LOT of mistakes with admin things, I mean a lot, and I have constantly had to follow up with them. There needs to be a lot of improvement here. Here is an extensive list over 2.5 years or so:Similar opinion? Write a review on ieatwords.com.au!
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Alan DSouthwest, VIC
- Verified customer
My Life Savers
Having needed to go through quadruple bypass surgery almost 3years ago the fact that Frank covered every single cent of the over $27,000 was an absolute godsend thank you Frank
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Review collected in partnership with Frank Health Insurance
- Verified customer
Great service do far and no issues.
Policy is good, no issues so far. But only issue is we hardly use anything and pay so much every month and get nothing in return. Hope they will decrease premiums
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Review collected in partnership with Frank Health Insurance
AngelaSydney, NSW
- 4 reviews
Great service and value for money
I recently called Frank health insurance for a quote for my sons health insurance. The staff member was excellent. He took the time to get know my sons needs and the reasoning behind my choices steering me in the right direction. The price was good for the cover and waiting times are a little shorter than some companies on the market. Because of this I had 3 of my adult children sign up with them recently.
Value for money and kind service.
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member_id_413615Banks 2906, ACT
- 2 reviews
Decent offering - screwed up billing causing headaches
I have basic + simple extras on no tier (that is I make too much to receive a government rebate).
First thing that is annoying is that basic doesn't come with ambulance insurance and there isn't a simple separate ambulance cover, otherwise I would've chosen that over simple extras. I spoke to a customer support agent on the phone and they tried to seriously claim that I would be covered for ambulance in NSW/ACT for those specific states - which is completely false after calling each respective government agency (but admittedly unclear from the...Read more
respective websites). Anyway, simple covers is alright, I was able to use dental without waiting period and got an alright benefit (dental code 011 - calculus removal [i.e. hygienic clean], cost $175, benefit from frank $60.20). What annoyed me is that I changed payment details to a new credit card I received through the website, payments didn't go through for 2 weeks, and finally they sent an email saying I had to _call_ to fix a billing issue. I checked the website first and all payment details disappeared. So I called and the voice recording said I had to wait 5 minutes, but didn't speak to an operator until the 9-10 min mark. This is another annoying point of Frank - getting ahold of customer support is painful. It's not important that I speak with someone urgently but they should offer a callback service via (1) their website using the member services, this way they have the details upfront and call and (2) their on-hold music should allow you to preempt with a callback service.Similar opinion? Write a review on ieatwords.com.au!
ATagSydney, NSW
Happy with Frank!
Very good customer service! They go beyond to help you. I was having a dilema on my cover but they offered a solution and helped me and they covered the cost of my procedure. Happy Im with Frank!
1 comment
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Questions & Answers
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.
lisasmithasked
Is everyone’s excess going up by 50% on the 1st April 2022? Or just ours? Friends with different providers are not experiencing an increase.
2 answers
yes from the first of April
Frank Health Insurance FFrank Health Insurance
Hi Lisa,
I can't speak for all health insurers, but as I understand it a large portion of providers are electing to increase the excess level on certain policies. The reason that Frank has chosen to increase the excess level, is that we are committed to keeping premiums as low as possible. Generally speaking, a higher excess means a lower premium!
Thanks for getting in touch.
Zac - Team Frank
Amrieasked
Hi, if i was to transfer over to frankinsurance from defence health does the wait period still apply for transfers? Thank you
3 answers
Ask Frank, they may have a no wait clause or the like which may be beneficial.
Frank Health Insurance FFrank Health Insurance
Hi Amri,
Thanks for your question.
When you transfer to Frank, we will honour any waiting periods you have already served with your current fund for a similar level of cover as long as you have not had a gap longer than 30 days in between health funds.
Regardless of the level of extras cover you have with them, we will give you continuity of cover, it will only depend on how long you have held your cover with them that may have an impact. The hospital cover is different, however, if you transfer to Frank on a higher level of cover than what you held previously, you will have waiting periods for the procedures that you were not previously covered for.
If you have any further questions I would suggest contacting us via phone, web chat or email our contact information can be located here
Regards,
Melanie
Team Frank
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Brett N.Frank Health Insurance
Thanks for sharing your feedback ATag! Always glad we can solve a problem.