Cheap extras health insurance that benefit both your health and your wallet
The beauty of cheap extras health insurance cover is that if you just want a few extras, we've got you covered. We've made it easy by offering two cheap extras health insurance covers that we think could be a perfect fit for you. Don't worry, if you want lots, we've also got you covered.
- Dental
- Physiotherapy
- Chiropractic
- Dental
- Physiotherapy
- Remedial Massage
- 100% back on Optical
* The price shown is per week and applies to a Single, aged 30, living in VIC. It excludes LHC loading and includes a Base Tier Government Rebate
| Extras services (when included on cover) |
|---|
| All extras benefits except as specified below. Waiting Period: 2 Months |
| Optical, home and domestic aids and medical aids. Waiting Period: 6 months |
| Major dental services (including full & partial dentures, orthodontics, crown & bridgework, endodontic services such as root canal, gold fillings, indirect restorations, surgical extractions of a tooth/teeth including wisdom teeth). Waiting Period: 12 Months |
| Health appliances including nebuliser pump, blood glucose monitor, pressure garments, sleep apnoea monitor, extremity pump, hearing aids, orthopaedic appliances (GMHBA approved), prostheses (GMHBA approved non-surgical), tens monitor, podiatry surgical procedures and orthotic appliances (foot). Waiting Period: 12 Months |
| Hospital services (when included on cover) |
|---|
| Accidents - bodily injuries resulting from accidents which occur after the date of joining GMHBA or upgrading to a higher cover. Waiting Period: No |
| Obstetrics and maternity. Waiting Period: 12 months |
| Pre-existing ailment, illness or condition (other than psychiatric, rehabilitation and palliative care). Waiting Period: 12 months |
| Any other benefit for hospital (or hospital substitution) treatment. Waiting Period: 2 months |
A pre-existing condition is one where signs or symptoms of your ailment, illness or condition, in the opinion of a medical practitioner appointed by GMHBA (not your own doctor), existed at any time during the six months preceding the day on which you purchased your hospital insurance or upgraded to a higher level of hospital cover and/or benefit entitlement.
A special waiting period applies to obtain benefits for hospital treatment for new members who have pre-existing conditions. The waiting period also applies to existing members who have recently upgraded their level of hospital cover. If the ailment, illness or condition is considered pre-existing:
New members
New members must wait 12 months for any hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (transferring or upgrading)
Members transferring/upgrading to a higher hospital cover must wait 12 months to get the higher hospital benefits (other than psychiatric, rehabilitation and palliative care).
Existing members (with at least 12 months membership)
Existing members with at least 12 months membership in total across their old and new cover are entitled to the lower benefits on their old cover.
Silver Hospital cover provides the same single room coverage as Gold Hospital, but co-payments of $100 per day up to a maximum of $700 per admission apply. Co-payments are not the same as hospital excess. Please note: Some private hospitals only have single rooms and co-payments will apply.
Co-payments do not apply.
What's included in the different levels of cover?
While hospital policies can take care of accidents and hospital admissions, extras cover can help make expenses for those treatments usually done outside of hospital a little lighter on your wallet. Hospital cover usually won't include these services.
Health funds typically offer at least two types of extras cover, sometimes more. Cheap extras health insurance cover may provide coverage for physiotherapy, dental care, optical (glasses) and chiropractic treatments.
Usually, you get what you pay for when it comes to cheap extras health insurance cover. If you're looking for wide coverage, expect to pay a bit more. But, if you don't need half the things included in the pricier option, there's could be a cheaper option.
The best part is that choosing extras health insurance cover doesn't mean settling for less if that's not what you want.
Some health funds may dazzle you with offers. But before you sign up, take a closer look.
Do I need extras cover?
You may feel invincible and think that injuries and illnesses only happen to other people. Sooner or later, reality (and life) catches up. That's where we step in.
Cheap extras health insurance cover can protect you from unexpected financial surprises that often come with sporting injuries or tumbles down the stairs. It can also come into its own if you are a regular visitor to some of the services it covers.
Since that memorable dentist caravan visit during your primary school years, you've been reminded to see the dentist twice a year. Let's face it - dentists don't come cheap. Budgeting for fillings or tooth extractions is probably not something you enjoy. Having cheap extras health insurance cover allows you to recover some of those costs.
If you've had a pesky shoulder or you're a regular visitor to a physio, extras cover is an excellent way to offset those costs.
What else do I need to know?
Before you start making claims with extras cover, be aware that waiting periods typically apply to most services. Different levels or percentages can be claimed back for various treatments. The more you pay for your extras cover, the higher you can claim. Plus there may be annual limits on how much you can claim. So, it's important to do your homework and know the details before making a purchase.
Speaking of homework, take a moment to assess your life and consider where you'll be in a few years. We're not your Life Coach, but you don't need to pay for extras you won't use. Evaluate your current needs both inside and outside the house, and try to think about future scenarios. If you're an active netballer or cricketer, physio, dental, or chiro coverage could prove invaluable. But if you have no idea what a naturopath or homeopath is, then it’s unlikely you’ll be looking to use one in the near future. If you wear glasses, then optical cover is clearly a goer. Get a quote today.
Do it your way with Frank
Cheap extras health insurance cover can be tricky, but working out what’s what based on your needs can save you time, money and a lot of stuffing around.
Currently seeing someone (a medical person not a partner) for an extras service? Then check whether the fund you’re looking at will let you claim on services with your provider (and for how much).
At Frank, we’re not into telling you what to do, so you can use any registered practitioner that you want with our extras covers and we’ll pay the percentage or set benefit backup to your annual limits.
Get one month free* when you join on combined cover by January 15*
*For new members who have not been a member during the last 12 months, joining on combined hospital and extras cover, paying by direct debit. Must pay first month to receive one month free. Offer only available via Frank website or phone joins. Not available with any other offer or Frank OVHC. Offer ends 15 January 2025.
