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CBHS Health Fund Limited
Australia CBHS Health Fund is an Australian member-owned health insurer offering hospital, extras and ambulance cover, with more than 70 years of operation.
Frank Health Insurance
Locations
Australia
Employees
50-200
Year founded
2009
Featured in expert reviews
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Best 15 Local Healthcare Providers Providers in Australia: Reviewed in 2026
About
Frank Health Insurance is an Australian not-for-profit online health fund that has provided health cover since 2009. It is backed by GMHBA Limited and operates from Geelong, Victoria, focusing on policies written in plain language without industry jargon.
Products include hospital cover, extras cover with bundable options, combined hospital and extras policies, and overseas visitors cover. Members can choose their own healthcare providers, and digital member cards allow contactless claiming. An age-based discount is available for members under 30, and new members have a 30-day cooling-off period during which cover can be cancelled and premiums refunded if no claim has been made.
Frank serves individuals, couples and families across Australia, with quotes and joining available online or by phone, and member support through phone and online channels.
Products include hospital cover, extras cover with bundable options, combined hospital and extras policies, and overseas visitors cover. Members can choose their own healthcare providers, and digital member cards allow contactless claiming. An age-based discount is available for members under 30, and new members have a 30-day cooling-off period during which cover can be cancelled and premiums refunded if no claim has been made.
Frank serves individuals, couples and families across Australia, with quotes and joining available online or by phone, and member support through phone and online channels.
Health Insurance Administration 50%
Benefits Administration 30%
Employee Benefits Consulting 20%
Healthcare 60%
Insurance 40%
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via ProductReview.com.au
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N and C Simpson
Aug 24, 2026
“Happy with Frank insurance. Thanks for the help with the out of pocket expenses.”
via ProductReview.com.au
V
Vickie Horsfield
Aug 24, 2026
“Exceptional customer service. Fantastic knowledge and great customer service. Policy meets my needs.”
via ProductReview.com.au
F
Frederik
Aug 24, 2026
“Excellent service. Easy to deal with, happy to suspend payments while overseas, gave us bonus re hospital admissions.”
via ProductReview.com.au
R
Ruzena R.
Aug 24, 2026
“Great insurance company. Always helped without problems or delays. Happy customer for over 10 years.”
via ProductReview.com.au
B
Badugodage
Aug 24, 2026
“Good service. Claiming is easy even though it covers only a small percentage.”
via ProductReview.com.au
A
Alex F.
Recent
“Service has been complete rubbish for the last year. 48-minute wait time to call. Don't they need more CS people?”
via ProductReview.com.au
A
Anonymous
Recent
“30+ minute phone queue with no response. Most terrible insurance company. No one on the end of the line!”
via ProductReview.com.au
J
Jacinta C.
Recent
“Rejected claim on waiting period despite advertised waiver. On phone 30+ minutes, told I was wrong despite screenshot proof.”
via CompareInsurance.com.au
T
turner82
Recent
“Frank seems more casual than other brands. Very helpful and friendly staff with good product knowledge.”
via Smart.reviews
A
Anonymous
Aug 24, 2026
“Paid huge amount, got bugger all when claiming. Medical staff said Frank is the lowest-paying health insurance.”
via Smart.reviews
A
Anonymous
Aug 24, 2026
“Opted from Medibank for lower cost. Couple + baby on medium cover 2 years, no major claims. Expensive for budget provider.”
