Frank puts extras base premium increases on ice, delivering cool freeze to members
Frank's latest news
Frank Health Insurance is freezing increases to base premiums for extras cover in 2025*, which means members will enjoy another year of access to handy health and wellbeing benefits without the stress of higher premiums.
Extras products from Frank cover a bunch of important health services, like optical, dental and physio, to keep members feeling their best, but with so many Aussies feeling the financial squeeze, Frank knows it’s been tough to keep up with costs.
And while Frank members with hospital or combined cover may still experience an increase in their premium, the average increase of 2.4% across all GMHBA Limited^ products is below the industry average for the third year running. Premium reviews are conducted by all health funds annually** to address the rising costs of healthcare. This is driven by factors like more expensive medical technologies and treatments, an aging population needing more care, and the growing prevalence of chronic health conditions.
Frank Brand Manager Nick Ilievski says the move is all about making sure members continue to get great value – especially when things are tight.
“Cost of living pressures are real, but we want to make sure our members can focus on staying healthy without worrying about their bills,” he said.
“Extras are an awesome way to get more out of your cover and take care of yourself with things like dental checks, prescription specs or physiotherapy. Frank’s all about keeping health insurance easy and affordable!”
Frank Health Insurance members can choose cover that suits their needs, with options that include:
- Dental: keep your smile healthy with regular check-ups, cleaning, and treatments.
- Physiotherapy: get back on your feet with coverage for physio sessions to treat injuries or improve mobility.
- Eye care: optical made easy with coverage for prescription glasses and contact lenses.
- Mental health services: support your mental wellbeing with coverage for psychology.
- Preventative care: get proactive with health checks, screenings, and vaccinations.
- Chiropractic and osteopathy: keep your body in balance with treatments for back and joint pain.
- Podiatry: foot care coverage to keep you moving comfortably.
- Health and wellness: access to services like massage, acupuncture, and more.
To learn more about Frank Health Insurance hospital and extras cover check out: www.frankhealthinsurance.com.au
*provided there are no changes to any discounts or the Australian Government Rebate on private health insurance applied to the members’ premium and they remain on the same type and level of cover. Rebate percentages (rates) will be adjusted effective from 1 April 2025.
^Frank Health Insurance is part of GMHBA Limited, one of Australia’s leading regionally based private health insurers.
Frank's latest news
Freedom limit, flex it your way
Because sometimes your needs might change a little, you have a $500 freedom limit to claim on your 7 included extras services.

And the longer you're with us, the more you can claim.
Get an extra $50 to claim on your freedom limit each full calendar year, with a maximum of $200 after 4 years of continual cover.

Freedom limit, flex it your way
Because sometimes your needs might change a little, you have a $700 freedom limit to claim on your 11 included extras services.
Plus an additional Optical limit. You can claim 100% back on optical up to your $150 annual limit.

And the longer you're with us, the more you can claim.
Get an extra $100 to claim on your freedom limit (excludes optical) each full calendar year, with a maximum of $400 after 4 years of continual cover. Your loyalty benefit will be available on 1 January after you've completed one full membership year.
