I was with frank insurance for a number of years. Paid huge amount each month and got bugger all when it was time to claim from my surgery. Was told by the medical staff / receptionist that FRANK is the lowest paying health insurance.
The staff do not properly tell you the complete cost and because they left out a few certain words like ' combined total" I was in for a rude shock when I had to pay more money than thought.
Be aware

The worst cover I ever had. Please be aware that what you actually covered. 485 visa holders they covered pregnancy as the details but actually cover only delivery charges. This is the worst health insurance I ever had and bad customer service as well.

With recent changes, Frank doesn't have seemed to kept up value for money-wise. I hope to be changing insurance soon but just doing my final checks. (NB: Looking like AHM or health.com.au)

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.

Recently joined at end of 2018, when I go to places and my partner also goes, the receptionist always looks at my card funny with a "who's Frank" and then when they see how minimal my gap payment is,
Really easy claims process and never had an issue.
Cheers, Frank!

my policy Frank more extras good value serving my wait periods no claims yet 1 week happy with what I've got might shop around and get basic hospital just in case

great policy, great company, excellent staff. Claims were so transparent, and coverage is and was excellent.
My son recommended Frank after us being with NIB for over 390 years, wish I had changed 29 years ago!

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.

Joined March 2018 It would have been easy to join except for our previous Health Fund messed the transition up, and as we paid yearly and by direct Debit they still took out our premium for the year, which then took a month to get the money back. The Policy we now have covers us for or needs.

Top level service and cover for very reasonable prices. Why wouldn’t everyone have at least extras cover at this price. Every time I go to a service provider and they swipe my card they say, Frank i’ve never heard of that. But when they see the level of reimbursement and the minimal gap to pay, they are always shocked. That in itself talks up how good this insurance is.

Easy to set up, everything is online, written in plain English that is easy to understand and website is simple to use. Good insurance, competitively priced. Customer service is good too. Highly recommend.

- Yes, Yes
- lodged claims and resolution always rapid. Entitlements directly credited - No fuss.
- my 3rd or 4th year. I've tried all the 'Commercial' ones previously. That's all they are - Commercials!

recommed Frank to many people. We have been a member of Frank for many years and I love it's no fuss/authentic policies and procedures. The customer service is outstandingly prompt, efficient and seamless.

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

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.

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.

approx 5 years i have no more to say about your company i recommend frank to all our friends thank you