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.
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. Your limits will reset on 1 January each year.
Frank pays benefits towards services listed below. Benefits are calculated as a percentage of the provider fee up to annual limits.
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:
- 0 days for ambulance
- 2 months for included extras (except for Optical, Major Dental, Podiatric Surgery and Orthotics)
- 6 months for Optical
- 12 months for Major Dental, Podiatric 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.
Information relating to this cover should be read and retained.