Hospital + ExtrasClosed

Frank Essentials Bundle (Silver)

A Hospital + Extras product from GMHBA. Below is the cover registered in the government data: waiting period, benefit per visit and annual limit for each service.

Government data date: 1 October 2026

This product is closed: it no longer accepts new members, but existing members can keep using it.

Services covered (18)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): 60% of the fee Scale and clean (114): 60% of the fee Fluoride (121): 60% of the fee	$600 a yearShared with Major dental, Root canal (endodontics)
Major dental	12 months	Extraction (322): 60% of the fee Full crown, veneered (615): 60% of the fee	$600 a yearShared with General dental, Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): 60% of the fee	$600 a yearShared with General dental, Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 60% of the fee	$500 a year
Glasses and contact lenses	6 months	Single vision lenses and frames: 60% of the fee Multifocal lenses and frames: 60% of the fee	$250 a year
Non-PBS prescription medicines	2 months	Per prescription: 60% of the fee	$300 a yearShared with Vaccinations
Physiotherapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a yearShared with Exercise physiology
Chiropractic	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a year
Psychology	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a year
Acupuncture	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$400 a yearShared with Remedial massage
Remedial massage	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$400 a yearShared with Acupuncture
Dietetics	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a year
Exercise physiology	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a yearShared with Physiotherapy
Orthotics	12 months	Per pair of orthotics: 60% of the fee	$200 a year
Osteopathy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$300 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: 60% of the fee Subsequent visit: 60% of the fee	$200 a year
Vaccinations	2 months	Per vaccination: 60% of the fee	$300 a yearShared with Non-PBS prescription medicines

Not covered: Orthoptics, Hearing aids, Audiology (hearing tests), Chinese herbal medicine, Occupational therapy, Blood glucose monitors, Antenatal and postnatal care, Health management programs, Home nursing

Annual limits

Services in the same group share one limit.

General dental, Major dental, Root canal (endodontics)
$600 a year
Also includes other services not listed
Orthodontics (braces)
$500 a year, $1,700 lifetime
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines, Vaccinations
$300 a year, $50 per service
Physiotherapy, Exercise physiology
$300 a year
Also includes other services not listed
Chiropractic, Osteopathy
$300 a year
Also includes other services not listed
Podiatry
$200 a year
Also includes other services not listed
Psychology
$200 a year
Acupuncture, Remedial massage
$400 a year
Also includes other services not listed
Dietetics
$200 a year
Orthotics
$200 a year
Speech therapy
$200 a year

Insurer's notes (original English)

Product features

Update your details and check your cover when it suits you. Lodge claims, change cover and read messages from Frank in your secure online member area.

Special features

Non PBS Pharmaceuticals must be private Schedule 4 or Schedule 8 and dispensed via a provider in private practice. * 60% back on 1 ambulance subscription per membership per calendar year, purchased from a Frank approved provider.

Frequently asked questions

How much does Frank Essentials Bundle (Silver) pay for a scale and clean?

According to government data, Frank Essentials Bundle (Silver) pays 60% of the fee for a scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $600 a year.

What are the waiting periods for Frank Essentials Bundle (Silver)?

General dental 2 months, Major dental 12 months, Root canal (endodontics) 12 months, Orthodontics (braces) 12 months, Glasses and contact lenses 6 months, Non-PBS prescription medicines 2 months, Physiotherapy 2 months, Chiropractic 2 months, Podiatry 2 months, Psychology 2 months, Acupuncture 2 months, Remedial massage 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthotics 12 months, Osteopathy 2 months, Speech therapy 2 months, Vaccinations 2 months.

Can Frank Essentials Bundle (Silver) be bought on its own?

This product combines hospital and Extras in one policy, with Silver hospital cover.

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