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Combined Hospital & Extras Cover: 6 Weeks Free after First Month + 2- & 6-Months Extras Waiting Waived @ Frank Health Insurance

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Combined Hospital & Extras Cover: 6 Weeks Free after First Month + 2- & 6-Months Extras Waiting Waived @ Frank Health Insurance
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fozzie on 04/01/2026 - 09:49 frankhealthinsurance.com.au (2777 clicks)
Last edited 04/01/2026 - 14:20 by 1 other user

Hello all. This is the current offer from Frank, not sure when it expires. Good for churners, pay one month and get 6 weeks free.

6 weeks free + skip 2 & 6 month waits on extras* when joining on combined cover.

*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. Must pay first month to receive offer. Other waits (including hospital waits), annual and sub limits apply. Extras claims made with a previous fund count towards annual limits. Offer only available via Frank website or phone joins. Not available with any other offer or Frank OVHC. Frank may end this offer at any time without notice.

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Comments

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  • Salesniper on 04/01/2026 - 09:53
    +33

    For those with Medibank, I called up to cancel last week quoting this offer and they applied a free 6 weeks retention offer.

    • YesPleaseThankYou on 04/01/2026 - 10:29
      +1

      That's great for the short-term. Medibank won't repeat that more than annually.

      In the long-term, you can only achieve similar savings by churning.

    • crackman on 04/01/2026 - 10:49

      Do you regularly call to cancel? I just churn.

      • YesPleaseThankYou on 04/01/2026 - 10:57
        +7

        I don't speak to them — don't have time for it, do not care for it. I keep everything in writing. And yes, I just churn.

  • bloom on 04/01/2026 - 09:56
    +3

    Good chutney

    • fozzie on 04/01/2026 - 10:24

      Haha autocorrect from churners.

  • JoeyJoeJoe on 04/01/2026 - 10:18
    +5

    Promo terms Exclusions: Chutneys.

    • Lizard Spock on 04/01/2026 - 10:23
      +5

      Thanks for being Frank

    • fozzie on 04/01/2026 - 10:30
      +7

      You get free 6 weeks. It does make sense as you can carry over all benefits with you.

    • YesPleaseThankYou on 04/01/2026 - 10:30
      +6

      Getting 6 weeks free means nothing to you? Please hand in your OzBargain badges.

      • turna on 04/01/2026 - 11:31
        -2

        Isn't it better to utilise your current one then swap over? Plus where do you go after your 6 weeks free? I constantly churn everything else but not health insurance.

        • YesPleaseThankYou on 04/01/2026 - 11:32
          +1

          utilise your current one

          What do you mean?

          Plus where do you go after your 6 weeks free?

          To the next offer.

          • turna on 04/01/2026 - 11:34

            @YesPleaseThankYou: Like go get dental work and all that and then swap providers (or physio, massage whatnot).

            What's your average cost of health insurance over the year when churning?

            • YesPleaseThankYou on 04/01/2026 - 11:36

              @turna:

              Like go get dental work and all that and then swap providers (or physio, massage whatnot).

              Usage carries across via the transfer certificate.

              What's your average cost of health insurance over the year when churning?

              I'm not posting that as everyone's circumstances are different. I stick with Gold and Top Extras; others will be completely different.

              Sticking with the same hospital and extras tiers also means my search cost (time spent looking for offers) is minimised.

            • tim9800 on 04/01/2026 - 12:57
              +2

              @turna: @turna As the previous commenter said, the exact $ value will depend on your level of cover. But the % saved can be estimated quite easily.

              Assuming that every provider you churn:

              1. Has the same/very similar weekly cost for the policy
              2. Gives 6 weeks free after 4 weeks of payment
              3. You churn between providers with minimal/no overlap between the end date of one policy and the start date of the next

              then the cost saving is around 60% of what you'd pay if you didn't churn. Put another way, for every 10 weeks of coverage you'd pay for normally, 6 of them you get for free

              • itfzenoz on 04/01/2026 - 22:39

                @tim9800: are these offers good for dental work? i've never had private but need about a bit of dental work but it's a bit too expensive to pay outta pocket (around 1.5k i was quoted a while back)

                • tim9800 on 05/01/2026 - 00:14
                  +3

                  @itfzenoz: @itfzenoz If you're new to private health insurance, then you'll typically need to serve waiting periods before you can claim services provided. The waiting period is the amount of time you'll have to pay for the insurance before you can actually use it to claim back your costs (I know, it sucks). The waiting period is also different for different services. E.g. for general dental (checkups and cleans) it's 2 months, for optical it's typically 6 months.

                  From the sounds of it, the services you want would fall under the major dental category, which usually have a 12 month waiting period. This means you have to pay for 12 months worth of private health cover before you can actually use it at the dentists to claim benefits for your major dental work.

                  Churning would still help you in this case. All the points in my previous comment still apply, with the addition that you should be careful to choose policies that include major dental when you hop between providers. If you do all this, then you will serve out the 12 month waiting period having paid only 60% of the cost (7.2 months' worth). This works because providers will honour waiting period time you have served with previous providers, given that you end the cover from your old provider and start cover from your new provider in a timely manner (typically within 30 days). Hope that makes sense

                  • itfzenoz on 05/01/2026 - 15:04
                    +1

                    @tim9800: thanks!

                  • chopper690 on 12/01/2026 - 21:34

                    @tim9800: Do the waiting periods for previous providers actually keep counting when you switch multiple times or does it only count the wait time with the most recent provider?

                    • tim9800 on 13/01/2026 - 16:26

                      @chopper690: They should in theory. Each time you jump, request a copy of the transfer certificate. When the time comes, this will allow you to prove that you've served out your waiting period

    • JohnHowardsEyebrows on 04/01/2026 - 11:59
      +6

      Churning usually doesn’t get you new limits - whatever you claim will be submitted to the new insurer, and they'll deduct from your annual limits.

      • YesPleaseThankYou on 04/01/2026 - 12:01
        +6

        Yep, though there is the added benefit of switching to a fund with different extras reset dates. The available reset dates are:

        • 1 January
        • 1 July
        • Policy anniversary (date of joining)
      • 6079 Smith on 04/01/2026 - 14:05

        I was under the impression you were legally allowed to go to a new fund and not tell them you’ve had insurance elsewhere, hence if the new fund is waiving waiting periods then you do get new limits.

        This has always been the case for me, I maxed out my optical limit with Medibank in March, joined Frank in July and got new glasses again.

        • deliriouss on 05/01/2026 - 02:15

          Claim history will show in your clearance certificate.

          • 6079 Smith on 05/01/2026 - 08:05

            @deliriouss: But how will this be accessed if I tell neither party who I’ve come from or who I’m going to?

            • deliriouss on 06/01/2026 - 15:01
              +1

              @6079 Smith: I guess not, but if you are above the age of 31, you need to provide that information to avoid being charged LHC loading and to transfer the waiting period served.

        • petestrash on 07/01/2026 - 14:27

          When you joined was there also a waiver on 6 months waiting periods, that's probably why you were able to get glasses within 6 months?

        • dinglejerry on 07/01/2026 - 14:38

          So how do you get around paying the LHC loading?

          • 6079 Smith on 07/01/2026 - 15:45

            @dinglejerry: Never thought about the lifetime loading aspect of it. I'm in my early 30s and probably haven't churned like this in a year or two.

            I guess the solution is to to split Hospital and Extras and then just transfer over to something like this that's waiving extra wait?
            https://www.medibank.com.au/health-insurance/c/extras-only/

            • YesPleaseThankYou on 08/01/2026 - 21:26
              -1

              @6079 Smith:

              I guess the solution is to to split Hospital and Extras and then just transfer over to something like this that's waiving extra wait?

              The solution to what?

              Could it be that you are the problem?

        • YesPleaseThankYou on 08/01/2026 - 21:24

          and not tell them you’ve had insurance elsewhere

          What about the part of your application where you attest that you have answered everything truthfully?

          What about the fund rules allowing the fund to cancel your policy and ban you if you have been dishonest?

      • ArtVandelay81 on 04/01/2026 - 16:10
        +2

        When I churned away from AHM, they mentioned that they reset your annual limits when you transfer in from another insurer, even if you've already used the limits.

        • YesPleaseThankYou on 04/01/2026 - 16:41
          +1

          I have noticed that some funds do this. Presumably they do it because it is easier for them administratively.

          In any case, it's a win for the policyholder.

          • dinglejerry on 07/01/2026 - 14:47
            +1

            @YesPleaseThankYou: And some funds are too incompetent to record used benefits when you move over, even when they get a transfer certificate - e.g. BUPA :D

  • Fuzor on 04/01/2026 - 10:31
    +1

    I still don't understand, if you're on a good value plan, what's the benefit to churning health insurance?

    • YesPleaseThankYou on 04/01/2026 - 10:33
      +16

      6 weeks free (or similar) multiple times per year. Following these offers will save you around 58% per annum off your premiums.

      No 'good value plan' is going to beat those savings.

        • YesPleaseThankYou on 04/01/2026 - 10:43
          +17

          I would think it would be better to not piss off your health insurance provider

          I'm not sure who brainwashed you, but I recommend seeking help.

          This is a business transaction. You pay money (premium), the provider delivers the service (insurance).

          get blacklisted or banned

          For what? Taking up the advertised offer? Oh my.

        • Brick50 on 04/01/2026 - 10:51
          +19

          You would have heart failure if you knew how many credit cards, energy companies, NBN providers I have churned in last 12 months.

        • smokenmirraz on 04/01/2026 - 10:59
          +2

          Ok GG, please list proof of people being blacklisted or banned for doing this

          • YesPleaseThankYou on 04/01/2026 - 11:02
            +1

            @smokenmirraz:

            Ok GG, please list proof of people being blacklisted or banned for doing this

            There is no evidence, because taking up a consumer offer is not reason to be blacklisted or banned.

            GG might be a health insurance CEO ;-)

              • YesPleaseThankYou on 04/01/2026 - 11:09
                +5

                @GardenGnome:

                But I guarantee you will get at least shadow banned in the future for churning every month or two.

                100% wrong.

                • GardenGnome on 04/01/2026 - 11:10
                  -6

                  @YesPleaseThankYou: Agree to disagree then. How often do you churn health insurance then?

                  • YesPleaseThankYou on 04/01/2026 - 11:14
                    +5

                    @GardenGnome:

                    Agree to disagree then

                    You are spreading misinformation.

                    How often do you churn health insurance then?

                    You can see my post history if you're that interested.

                    I churn approximately 5 times per annum and have done so since 2019.

                    • GardenGnome on 04/01/2026 - 11:17
                      -6

                      @YesPleaseThankYou: Doesn't that affect your hospital coverage? I imagine you have no pre-existing conditions which makes it easier.

                      • YesPleaseThankYou on 04/01/2026 - 11:17
                        +3

                        @GardenGnome: See The right to change.

                      • MBix on 04/01/2026 - 11:29
                        +1

                        @GardenGnome: Change those goal posts babeh!

                        • Brick50 on 04/01/2026 - 11:46
                          +1

                          @MBix: @GardenGnome do you typically renew your car insurance with the same provider? I have NEVER renewed a policy with the same insurer before, I typically cancel before the 12 months is up anyway when I find a cheaper insurer throughout the year.

                          This year I changed insurer 3 times due to velocity points/gift card/cashback offers

                          • GardenGnome on 04/01/2026 - 12:07
                            -2

                            @Brick50: Car insurance is different to health insurance matey. I can understand car + house churning, but health cover seems risky especially if you have pre-existing conditions or have an operation scheduled. I imagine most people churning health cover have zero pre-existing conditions or surgeries planned and don't claim anything except a dental checkup & clean or some physio/massage.

                            • YesPleaseThankYou on 04/01/2026 - 12:08
                              +3

                              @GardenGnome: At this point, I'm going to assume that you haven't read anything posted and are just trolling.

                  • burndoggy on 04/01/2026 - 12:11
                    +4

                    @GardenGnome: I hate it when I explain why someone is wrong and they say "agree to disagree then". No. You are wrong mate. Why would someone who is right "agree to disagree" with the person who is wrong and speaking nonsense?

                    Just admit that you got in a little over your melon and move on.

              • Xizor on 04/01/2026 - 11:18
                +3

                @GardenGnome: I'm all for tin foil hat discussions and skepticisms, but this is just downright silly. Competition is competition. It's one thing to be exluded from promotions its an entirely other thing to be blacklisted or shadow banned from being provided a service outright. Everyone is a mere statistic that is factored into the business model. Some fly in and fly out, others hang around and contriibute to higher ARPU. And there is regulatory bodies there all too eager to go after companies that skirt the law.

        • Bullion78 on 04/01/2026 - 11:23
          +4

          You have just the right attitude that large corporations are looking for in a customer.

      • mith on 05/01/2026 - 00:56
        -1

        Started researching this method. Any thoughts on this person's Reddit post?:

        "As someone that works in the industry, this sounds like a disaster.

        All I can say, is that I hope you’re checking each time that your Clearance Certificate is being processed correctly - because if one company stuffs something up, then you literally have to get every single company to correct it in the order you were with them, to resolve it.

        And former members are not a priority for their workload.

        Changing once a year, sure - but multiple times is way too risky for mistake and you will kick yourself if something goes wrong."

        • MBix on 05/01/2026 - 20:24
          +2

          I, and many others, have never experienced this issue. I've even gone back to a few previous funds on the way through and never even felt like the customer service was any different, most the customer service is pretty poor to begin with, which is where I'm sure old mate "In the industry" from Reddit fits in, in most likely the lowest role in the company taking his job way too seriously or a shill.

          The clearance certificate is automatic and I'm yet to encounter any issues surrounding wait times or clearances. You can even call them up and request it immediately if there are any concerns. As for needing to get every single company to correct things, I'd assume this is only really a worry when it comes to the initial 12 month wait times. Once you're past that it would be even smoother sailing.

          Most companies have an online portal and you can check to ensure all the wait times have been updated accordingly, it's really not a concern in the slightest.

    • Frozensage on 04/01/2026 - 11:58
      +2

      Ato penalise me for not taking out hospital cover which, so I see churning as just a way to pay less tax

  • kiwipride on 04/01/2026 - 10:59
    +1

    Would anyone like to ELI5 to a non churner? Is the hospital waiting period effected etc? We've been with Bupa for far too long… 🙏

  • celiotte on 04/01/2026 - 11:01

    Is it worth churning immediately after getting the 6 weeks off or do you often stay till you can call for additional offers with the same provider?

    • YesPleaseThankYou on 04/01/2026 - 11:04
      +10

      Yes, churn immediately after you have obtained and exhausted the relevant benefit. I do not stay for a day longer.

      Phoning will just increase your blood pressure and mostly waste your time.

  • ozkeepingitreal on 04/01/2026 - 11:01

    Worth noting that it’s owned by GMHBA (who offer 4 weeks free and no waiting period) + from my experience cheaper premiums. Frank still be the better deal though.

  • YesPleaseThankYou on 04/01/2026 - 11:16
    +5

    For anyone interested, all health funds are required by law to have and make available to the public, fund rules.

    Here are the Frank Fund Rules. See section C8 'Termination of Membership' for reasons why your membership can be terminated.

    You cannot be blacklisted or have your policy terminated for taking up the promotional offer of a fund.

  • kiwipride on 04/01/2026 - 11:22
    +1

    So, no hosptial wait times if churning? I have a procedure in 3 months…

    • YesPleaseThankYou on 04/01/2026 - 11:25
      +5

      Waiting periods transfer across. If you have served the waiting period for the clinical category/ies for your procedure/s, these will transfer across.

      I would suggest that you check with your surgeon whether they have a known or no gap arrangement with any fund that they're willing to offer to you. You can switch to that fund and potentially save $1000s.

    • MBix on 04/01/2026 - 11:32
      +3

      I did exactly this a few years back and managed to line it up perfectly with the surgeon/hospitals preferred provider for when I had the actual procedure, didn't have any trouble whatsoever.

  • nunyabizzness on 04/01/2026 - 11:25

    I think most of us are on the AAMI deal for another 8 weeks 😅

  • phynicle on 04/01/2026 - 11:43

    If I was with gmhba last February, am I excluded from this offer?
    Or is this strictly frank health insurance?

    • YesPleaseThankYou on 04/01/2026 - 11:52
      -3

      Rule number 1 of life — read the terms and conditions.

      • phynicle on 04/01/2026 - 12:22

        *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. Must pay first month to receive offer. Other waits (including hospital waits), annual and sub limits apply. Extras claims made with a previous fund count towards annual limits. Offer only available via Frank website or phone joins. Not available with any other offer or Frank OVHC. Frank may end this offer at any time without notice.

        No mention of gmhba, hence I asked.
        Or is it up to logic deduction , parent company is gmhba.
        So assume not applicable for anyone who previously held anything within gmhba umbrella in last year?

        • YesPleaseThankYou on 04/01/2026 - 12:25
          +3

          No mention of gmhba, hence I asked.
          Or is it up to logic deduction , parent company is gmhba.
          So assume not applicable for anyone who previously held anything within gmhba umbrella in last year?

          It's not for consumers to be aware of and understand sometimes complex corporate structures.

          If the terms don't exclude a particular class of people from the promotion, then it follows that those people are not excluded.

  • Frozensage on 04/01/2026 - 12:00

    I usually do Medibank to Ahm and repeat, had BUPA in the cycle too but their offers are crap and wait times are getting longer. What are others ppls usually cycle?

    • YesPleaseThankYou on 04/01/2026 - 12:03
      +1

      No specific cycle for me. I look at the available offers 2 weeks before I'm due to churn and take the one most suitable for my circumstances.

  • Pacify on 04/01/2026 - 12:22

    I cannot figure out how much they actually pay for basic dental procedures

    • Dealf Hunter on 04/01/2026 - 13:09

      I recently visited the dentist for a checkup and paid about $110 via the Frank app. I have basic extras and am allowed to claim up to $350 per year for general plus preventative dental. I think the $350 annual limit transfers between insurance providers so you can't game the system.

      Not entirely sure if Frank will ask me to pay them back some of the $110 as this is my first experience with private health insurance. The Frank app still says I have $350 dental cover left, so it's probably not processed yet (I went to the dentist over a month ago)?

      • Pacify on 04/01/2026 - 13:39

        Did you have any out of pocket, or was it all covered via Frank?

        • YesPleaseThankYou on 04/01/2026 - 13:40

          Too much nitty gritty for me. Just churn. You'll save more than worrying about $50 here and there.

        • Dealf Hunter on 04/01/2026 - 13:56

          No out of pocket. I just had to tap the EFTPOS machine with my Frank app open and it paid on my behalf.

          Not sure sure how it works but I think there may be a special function on the EFTPOS machine to scan for non Visa/MasterCard NFCs as no money was taken out of my bank account after tapping? Someone else may be able to explain how it all works.

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