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Compare Frank health insurance

How Frank rates for member complaints, gap cover and ambulance.

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CHOICE staff
CHOICE staff


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

Frank summary

GMHBA launched Frank Health Insurance in 2009. 

GMHBA also owns health fund brands:

Phone: 1300 481 506


Is Frank nonprofit?

Frank and GMHBA are nonprofit.

Does Frank get many complaints from members?

Frank complaints rating: Medium

(Includes GMHBA complaints.)

When we score policies we give each fund a complaints rating, based on the number of complaints and serious disputes the Ombudsman deals with. We take into account the size of the fund, so big funds don't get automatically penalised for having more complaints. The ratings are Low, Medium and High. A Low rating is better than a High rating – it means the fund has fewer complaints and fewer serious disputes for its size.

How good is Franks's gap cover?

A medical gap is the difference between Medicare's recommended fee and what your doctor actually charges for a treatment or service.

Health funds have agreements with particular doctors and hospitals to cover all of the gap, which are called 'no gap agreements', or part of that gap, which are called 'known gap agreements' (these will have lower out-of-pocket costs, usually less than $500).

Our graphic below displays the CHOICE gap rating, which takes into account the percentage of services where members either paid no gap or a known gap, compared to the state average.

Rating scale

  • Well above average
  • Above average
  • Average
  • Below average
  • Well below average

There are differences between GMHBA and Frank in their gap cover. 

  • GMHBA participates in the Australian Health Service Alliance Ltd (AHSA) Access Gap Cover Scheme, which negotiates gap cover agreements with doctors, providers and hospital for more than 20 funds.
  • Frank doesn't participate in this scheme, but pay the gap as long as your doctor doesn't charge more than 120% of the MBS – a fee set by Medicare for this service.

How many hospital agreements does Frank have in my state?

The benefit amount your fund pays you for hospital services depends not only on the type of cover you buy, but also whether your fund has an agreement with the hospital where you're treated. 

The table below shows how many hospital agreements Frank has in your state compared to the fund with the highest number (the industry maximum). Note that public hospitals don't have agreements with specific funds and are generally treated as though they're agreement hospitals.

Does Frank offer any discounts?

Discount for direct debit: None

Discount for annual prepay: None

Youth discounts: Offered on Bronze Plus Bundle and Kickstarter Bundle; these aren't transferable.

Does Frank offer ambulance cover?

Frank covers emergency ambulance on all hospital policies excluding Frank Basic, Frank Entry and Frank Basic Plus, Freedom Saver Flexi-Bundle and Freedom Starter Flexi-Bundle. A refund on ambulance subscriptions is offered for these extras policies: Some Extras 50%, Some Extras 80%, Lots Extras 50%, Lots Extras 80%, Starter Bundle and Essentials Bundle (up to the percentage depending on the product held).

Do you need ambulance cover?

Depending on where you live, you may not need a policy with ambulance cover. 

  • In Queensland or Tasmania, emergency ambulance services are covered by your state government. 
  • In NSW and the ACT, all hospital policies come with emergency ambulance cover – so you'll be covered with any hospital or combined policy you select. 
  • In South Australia, Victoria and the Northern Territory you can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance in your state or territory or refund at least part of the cost of the ambulance service cover. 
  • Rural WA: You can buy emergency ambulance cover directly from the ambulance service. Alternatively, some health fund policies will cover ambulance or refund at least part of the cost of the ambulance service cover. 
  • Metropolitan WA: If you want to be covered for ambulance you need to buy a health insurance policy with ambulance cover.

Does Frank offer family policies that cover adult children?

Yes, adult children are covered up to age 21 and up to age 25 if in full-time study

Does Frank let you claim online or in-app?

Online claiming.

We care about accuracy. See something that's not quite right in this article? Let us know or read more about fact-checking at CHOICE.