Cheap Health Insurance

If you're looking for simple and affordable cover you've come to the right place.

At Frank, we get that you only want to pay for what you want to use. Our entry level hospital cover like Basic Hospital 500 (Basic+) won’t break the bank. If you're after some extras like dental & optical we can help you out there too.

* The price shown is per week and applies to a {LIFESTAGE} living in VIC. It excludes LHC loading and includes a Base Tier Government Rebate

What is Private Health Insurance?

There are 2 different kinds of Private Health Insurance:

  1. Hospital Cover- for when you're admitted to hospital
  2. Extras Cover- for things like chiro, physio, dental & optical

At Frank, we get that private health insurance can be expensive. It’s up to each person to weigh up the cost versus peace of mind. For example, the average cost of a knee reconstruction in the private system is $5,000 – as a non-emergency procedure, can you afford to wait until you get to the top of a public waiting list or foot the whole bill in a private hospital?

How can Frank make health insurance cheaper?

Frank is thrifty and can help you tighten your purse strings:

  • All online- Less overheads means you pay less
  • Mix & Match covers- we don't make you take out both Hospital & Extras
  • Basic Hospital cover – a simple cheap public hospital cover without the bells and whistles
  • Extras cover – If you want some extras like optical & physio but don't want to go over the top, Frank Simple Extras or Frank Some Extras may suit your needs.

Why do you need Health Insurance?

There are many reasons why you might choose to take our health insurance.

  1. You're turning 30 - You can avoid the future fees of Lifetime Health Cover (LHC) loading by taking out Private Health Insurance when you turn 30.
  2. Getting older – You're starting to understand you might not be invincible anymore, so you want to take a little bit of health cover just in case.
  3. Need to cover for the family – you want to make sure your family are covered just in case.

How can you get Cheap Private Health Insurance?

Here are Frank's Cheap as Chips Tips...

  • Look for products with exclusions that you don't need. Like dentures, pregnancy & cataracts
  • Know what you want. If you’re just looking for the cheapest cover and aren’t worried about what’s included or excluded, check out Frank’s cheapest cover, Basic Hospital 500 (Basic+)

Looking to read on?

Skip 2 & 6 month waits on extras when you join on combined cover by February 28*

*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. Offer only available via Frank website or phone joins. 12 month waits, annual and sub limits apply. Extras claims made with a previous fund count towards annual limits. Not available in conjunction with any other offer. Offer ends 28 February 2022.