Lots Extras 50% Back

from
$ 10.75*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote

You take advantage of lots of services and like to stay on top of your health. Lots Extras gives head to toe coverage with lots of treatment types with big limits plus a choice of 50% or 80% back.

What’s covered?

Frank pays benefits towards services listed below. Benefits are calculated as a percentage of the provider fee up to annual limits.

  • General Dental
  • Major Dental
  • General & Preventative Dental

    Waiting Period

    2 months


    Includes dental treatments like check-ups, cleaning and fluoride treatments, x-rays, fillings and basic extractions.

    A $500 per person and $1,000 per couple / family membership sub limit applies for General & Preventative Dental services (included in the total shared dental limit).


    Annual limit

    General & Preventative Dental shares an annual limit with Major dental and Orthodontic services. Sub-limits apply.

    $2,000 per person

    $4,000 per couple/family

    Sub limits, treatment limits and dental rules apply. Refer to Lots Extras 50% Back or Lots Extras 80% Back fact sheets for full product information.

  • Major Dental

    Waiting Period

    12 months


    Major Dental includes treatment for things like more complicated fillings, extractions, crowns, bridgework, dental implants, root canal treatment, indirect restorations and occlusal therapy.

    Sub limits apply to the below Major Dental treatments (sub limits are included in the total shared Dental limit)

    • $300 per crown / bridge with a maximum of $600 per person
    • $350 per person and $700 per couple / family for Indirect Restorations
    • $400 per person for Dental Implants
    • $250 per course of treatment by dentists and $300 per course of treatment by a specialist for Occlusal therapy

    Annual limit

    Major Dental shares an annual limit with General & Preventative dental and Orthodontic services. Sub-limits apply.

    $2,000 per person

    $4,000 per couple/family

    Sub limits, treatment limits and dental rules apply. Refer to Lots Extras 50% Back or Lots Extras 80% Back fact sheets for full product information.

  • Orthodontic
  • Optical
  • Orthodontic

    Waiting Period

    12 months


    Orthodontic treatment includes braces or a plate. Orthodontic treatment has an annual limit from $380 (included in the total shared dental limit), a treatment limit and a lifetime limit.

    Because orthodontic benefits can be a little confusing, we have some more information that explains how they work here.


    Annual limit

    Orthodontic shares an annual limit with General & Preventative Dental and Major Dental services. Sub-limits apply.

    $2,000 per person

    $4,000 per couple/family

    Sub limits, treatment limits and dental rules apply. Refer to Lots Extras 50% Back or Lots Extras 80% Back fact sheets for full product information.

  • Optical

    Waiting Period

    6 months


    Includes prescription glasses, prescription sunglasses and prescription contact lenses

    Does not include non-prescription sunglasses, repairs or frames purchased without prescription lenses or ophthalmology appointments.


    Annual limit

    $250 per person

    $500 per couple/family

  • Chiropractic
  • Osteopathy
  • Chiropractic

    Waiting Period

    2 months


    Chiropractic care uses manual treatments (including spinal manipulations – termed ‘adjustments’) to treat disorders of the musculoskeletal system.

    Benefits will only be paid for one consultation and/or treatment per provider per day.

    A sublimit of 1 per year applies to Chiropractic X-rays.


    Annual limit

    Chiropractic shares an annual limit with Osteopathy services.

    $400 per person

    $800 per couple/family

  • Osteopathy

    Waiting Period

    2 months


    Osteopathy is a holistic system of medicine that emphasises the inter-relationship of the body's nerves, muscles, bones and organs, and uses a ‘whole body’ approach to treatment.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Osteopathy shares an annual limit with Chiropractic services.

    $400 per person

    $800 per couple/family

  • Physiotherapy
  • Hydrotherapy
  • Physiotherapy

    Waiting Period

    2 months


    Physiotherapy is concerned with the assessment, diagnosis, and treatment of disease and disability through physical means.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Physiotherapy shares an annual limit with Hydrotherapy and Myotherapy services.

    $400 per person

    $800 per couple/family

  • Hydrotherapy

    Waiting Period

    2 months


    Hydrotherapy uses specialist exercises that take place in a warm water pool to heal injuries and aid in rehabilitation.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Hydrotherapy shares an annual limit with Physiotherapy and Myotherapy services.

    $400 per person

    $800 per couple/family

  • Myotherapy
  • Naturopathy
  • Myotherapy

    Waiting Period

    2 months


    Myotherapy is muscle therapy used to relieve pain based on applying pressure at trigger points throughout the body. Myotherapy treatments focus on muscular injury prevention and rehabilitation.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Myotheraphy shares an annual limit with Physiotherapy and Hydrotherapy services.

    $400 per person

    $800 per couple/family

  • Naturopathy

    Waiting Period

    2 months


    Naturopathy is a method of treating disease using food, exercise, heat and other natural methods that assist the natural healing process.

    Benefits will only be paid for one consultation and/or treatment per provider per day. You cannot claim on any herbs, supplements or pills prescribed by the provider, only consultations.


    Annual limit

    Naturopathy shares an annual limit with Homeopathy, Acupuncture and Remedial Massage services.

    $400 per person

    $800 per couple/family

  • Homeopathy
  • Acupuncture
  • Homeopathy

    Waiting Period

    2 months


    Homeopathy is an alternative medicine which treats conditions using heavily diluted natural substances that in larger amounts would produce symptoms of the condition.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Homeopathy shares an annual limit with Naturopathy, Acupuncture and Remedial Massage services.

    $400 per person

    $800 per couple/family

  • Acupuncture

    Waiting Period

    2 months


    Acupuncture is a broad term covering techniques for inserting and manipulating thin needles into specific points on the body in order to restore health and wellbeing.

    Benefits will only be paid for one consultation and/or treatment per provider per day. You cannot claim on any herbs, supplements or pills prescribed by the provider, only consultations.


    Annual limit

    Acupuncture shares an annual limit with Naturopathy, Homeopathy and Remedial Massage services.

    $400 per person

    $800 per couple/family

  • Remedial Massage
  • Podiatry
  • Remedial Massage

    Waiting Period

    2 months


    Remedial Massage is a combination of massage techniques used to treat injuries of the muscles, tendons, ligaments or connective tissues.

    Benefits will only be paid for one consultation and/or treatment per provider per day.


    Annual limit

    Remedial Massage shares an annual limit with Naturopathy, Homeopathy and Acupuncture services.

    $400 per person

    $800 per couple/family

  • Podiatry

    Waiting Period

    2 Months for General Podiatry

    12 Months for Podiatry Surgery and Orthotics


    Podiatry treats disorders of feet and lower limbs.

    Orthotics are custom foot supports designed to support the feet and correct any lower limb problems. Orthotics have a sub limit of $230 per year and benefits can only be claimed if the orthotics are custom made (from a cast or mould taken from you) by a podiatrist in a private practice.

    If you have Podiatric Surgery in a hospital performed by an orthopaedic surgeon, then this would be part of a hospital cover. Your extras cover doesn’t get used.

    If you have Podiatric Surgery in hospital by an approved podiatric surgeon (there are only a few in Australia), Lots Extras cover will assist in covering the surgeons fees. Benefits from hospital expenses, theatre fees etc would be payable from a relevant health cover. View the list of approved podiatric surgeons here.

    Annual limit

    $400 per person

    $800 per couple/family

    An orthotic sub limit and podiatric surgery rules apply. Refer to Lots Extras 50% Back or Lots Extras 80% Back fact sheets for full product information.

  • Psychology
  • Antenatal and Postnatal classes
  • Psychology

    Waiting Period

    2 months


    Psychologists work with patients to gain an understanding of their mind and how it impacts their behaviour. Generally this is done through group or one-on-one discussions.

    If you’re entitled to a Medicare rebate on your psychology sessions, you cannot claim your out of pocket with Frank. Once you are no longer eligible to claim with Medicare, then you can claim on this cover.

    Annual limit

    $400 per person

    $800 per couple/family

  • Antenatal and Postnatal classes

    Waiting Period

    2 months


    Antenatal refers to services provided before having a baby and postnatal refers to services provided after birth.

    Benefits can be claimed for sessions and courses provided by registered midwives or physiotherapists in a private practice. Courses or sessions that are paid for by Medicare cannot be claimed as part of this cover.

    Annual limit

    $350 per policy

  • Ambulance Subscription
  • Travel Vaccinations
  • Ambulance Subscription

    Waiting Period

    1 day


    VIC, SA, WA and NT residents can claim 50% or 80% (based on their cover) of the cost of one ambulance subscription per year. Ambulance is covered differently in each state. To make sure you know exactly how it's covered in your state, check out more info here.

    Annual limit

    1 subscription per year per person

    1 subscription per year per couple/family

  • Travel Vaccinations

    Waiting Period

    2 months


    Benefits are payable for selected travel vaccinations administered by a doctor or at a vaccine clinic if you have a pharmacy receipt, doctor's account or vaccine clinic account. Find out what travel vaccinations are covered here.

    A sublimit of $50 per vaccination applies.

    Annual limit

    $100 per person

    $200 per couple/family

Can I get more information?

With Lots Extras, you can choose between claiming 50% or 80% back when you take out the cover. Whatever the provider charges, Frank pays 50% or 80% back (based on your cover) up to your annual limits. That means if you are charged $40 for a treatment your benefit will be $20 (if you’re on Extras with 50% back) or $32 (if you’re on extras with 80% back) as long as you have served your waiting periods and have available limits.

Yes. Frank believes in freedom of choice, so we pay the same benefits to any registered provider. This means you can use your regular dentist, optometrist or physio and still claim.

Yes, on most services you will have to serve a waiting period if you’re new to health insurance. With Frank (and most health insurers) you have to wait a specific amount of time between signing up and making your first claim. This is called a waiting period.

Lots Extras services have the following waiting periods:

  • 1 day for ambulance
  • 2 months for included extras (except for Optical, Major Dental, Podiatry Surgery and Orthotics)
  • 6 months for Optical
  • 12 months for Major Dental, Podiatry Surgery and Orthotics

Find out more about waiting periods here.

The good news is that waiting periods may not apply if you’re coming to Frank from another fund. Find out more about switching to Frank here.

Yes there are. This might make us sound mean but if you have a read, you'll see they're fair. If you’re interested, check out the list of things Frank won’t pay on here.

Important

Refer to the Lots Extras 50% Back or Lots Extras 80% Back fact sheets for full product information including annual limits, sub limits, treatment limits and waiting periods.

Information relating to this cover should be read and retained.

Lots Extras 50% Back

from
$ 10.75*
per
week
*Based on a single aged under 31 in VIC with no LHC and an annual income under $90,000 Get a quote