Frank Classic Extras
An extras policy from GMHBA.
- Sold as Frank Health Insurance.
Premiums for every state, cover type and excess this policy is sold with, and what it covers, from the statement GMHBA files with the government. Monthly, before the rebate and any Lifetime Health Cover loading.
From
Single, WA, no excess, before the rebate.
- Medicare levy surcharge
- Does not exempt you
- Ambulance
- Emergency only, no limit
- Who can join
- Anyone
The Private Health Information Statement for this price, on PrivateHealth.gov.au.
Against every other extras policy in NSW & ACT
Single cover, counting policies anyone can buy. Further right covers more services, higher up costs more.
It covers 15 services for $57.20 a month. Of the 214 other policies, 73 cost less and 110 cover more services.
Monthly premium by state and cover type
NSW prices also apply in the ACT. Each price in the tables opens its official Private Health Information Statement on PrivateHealth.gov.au, with a PDF to download.
Single premium in each state
To the nearest dollar, a month before the rebate. The tables below have every price to the cent.
Pays towards 15 of 27 standard services
Yearly limits, per person, against the typical policy
- General dental$600typical policy $800
- Major dentalshared with endodontic (root canals)$800typical policy $1,000
- Optical$200typical policy $220
- Physiotherapyshared with exercise physiology$350typical policy $450
- Chiropracticshared with osteopathy$350typical policy $400
- Psychology$350typical policy $400
What it pays on common claims, against the typical policy
- Periodic oral exam (item 012)$32.60typical policy $35.20
- Scale and clean (item 114)$66.20typical policy $66.85
- Full crown, veneered (item 615)$520.00typical policy $773.80
- Single vision lenses and frames100% of the feetypical policy $220.00
- Physiotherapy, first visit$42.00typical policy $42.00
- Psychology, first visit$50.00typical policy $75.00
| Service | Waiting period | Yearly limit, per person | Per policy | Example benefits (all states) |
|---|---|---|---|---|
| General dental | 2 months | $600 | $1,200 | Periodic oral exam (item 012): $32.60Scale and clean (item 114): $66.20Fluoride treatment (item 121): $19.70 |
| Major dental | 12 months | $800shared with endodontic (root canals) | $1,600 | Surgical extraction (item 322): $116.40Full crown, veneered (item 615): $520.00 |
| Endodontic (root canals) | 12 months | $800shared with major dental | $1,600 | Root canal filling (item 417): $106.00 |
| Optical | 6 months | $200 | $400 | Multifocal lenses and frames: 100%Single vision lenses and frames: 100% |
| Non-PBS medicines | 2 months | $350shared with vaccinations | $700 | Non-PBS prescription: $45.00 |
| Physiotherapy | 2 months | $350shared with exercise physiology | $700 | Physiotherapy, first visit: $42.00Physiotherapy, later visit: $42.00 |
| Chiropractic | 2 months | $350shared with osteopathy | $700 | Chiropractic, first visit: $36.00Chiropractic, later visit: $36.00 |
| Psychology | 2 months | $350 | $700 | Psychology, first visit: $50.00Psychology, later visit: $50.00 |
| Acupuncture | 2 months | $350shared with remedial massage, chinese herbal medicine | $700 | Acupuncture, first visit: $36.00Acupuncture, later visit: $36.00 |
| Remedial massage | 2 months | $350shared with acupuncture, chinese herbal medicine | $700 | Remedial massage, first visit: $30.00Remedial massage, later visit: $30.00 |
| Chinese herbal medicine | 2 months | $350shared with acupuncture, remedial massage | $700 | Chinese herbal medicine, first visit: $36.00Chinese herbal medicine, later visit: $36.00 |
| Dietetics | 2 months | $350 | $700 | Dietetics, first visit: $45.00Dietetics, later visit: $45.00 |
| Exercise physiology | 2 months | $350shared with physiotherapy | $700 | Exercise physiology, first visit: $30.00Exercise physiology, later visit: $30.00 |
| Osteopathy | 2 months | $350shared with chiropractic | $700 | Osteopathy, first visit: $36.00Osteopathy, later visit: $36.00 |
| Vaccinations | 2 months | $350shared with non-pbs medicines | $700 | Vaccination: $45.00 |
Not covered: orthodontics, podiatry, hearing aids, blood glucose monitors, audiology, antenatal and postnatal, orthoptics, health management programs, home nursing, occupational therapy, orthotics, speech therapy.
From the insurer: Excludes chiropractic x-rays. Remember, Frank is all online. For more information contact Frank on 1300 437 265 or visit www.frankhealthinsurance.com.au
Ambulance is emergency only and excludes state and government funded schemes
Example benefits are what the policy pays for that item at a provider without a special arrangement with the insurer; a percentage is of the fee charged. The typical policy is the middle one of the 708 extras policies on the market that aren't sold only through employers.
Compare
Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.
Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.