Extras-onlyClosed

Frank Top Extras

A Extras-only 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 (24)

Service	Waiting period	Max benefit per visit	Annual limit
General dental	2 months	Periodic exam (012): $38.70 Scale and clean (114): $78.80 Fluoride (121): $23.50	$800 a year
Major dental	12 months	Extraction (322): $133.60 Full crown, veneered (615): $650	$1,200 a yearShared with Root canal (endodontics)
Root canal (endodontics)	12 months	Root canal obturation (417): $121.80	$1,200 a yearShared with Major dental
Orthodontics (braces)	12 months	Upper and lower braces plus retainer (881): 100% of the fee	$600 a year
Glasses and contact lenses	6 months	Single vision lenses and frames: 100% of the fee Multifocal lenses and frames: 100% of the fee	$250 a year
Non-PBS prescription medicines	2 months	Per prescription: $55	$200 a yearShared with Vaccinations
Physiotherapy	2 months	Initial visit: $55 Subsequent visit: $55	$600 a yearShared with Exercise physiology
Chiropractic	2 months	Initial visit: $46 Subsequent visit: $46	$500 a yearShared with Osteopathy
Podiatry	2 months	Initial visit: $50 Subsequent visit: $50	$400 a yearShared with Orthotics
Psychology	2 months	Initial visit: $70 Subsequent visit: $70	$300 a year
Acupuncture	2 months	Initial visit: $42 Subsequent visit: $42	$350 a yearShared with Chinese herbal medicine
Remedial massage	2 months	Initial visit: $40 Subsequent visit: $40	$300 a year
Hearing aids	12 months	Per hearing aid: 100% of the fee	$300 a yearShared with Blood glucose monitors, Audiology (hearing tests)
Blood glucose monitors	12 months	Blood glucose monitor: $80	$300 a yearShared with Hearing aids, Audiology (hearing tests)
Audiology (hearing tests)	2 months	Initial visit: $60 Subsequent visit: $60	$300 a yearShared with Hearing aids, Blood glucose monitors
Chinese herbal medicine	2 months	Initial visit: $42 Subsequent visit: $42	$350 a yearShared with Acupuncture
Dietetics	2 months	Initial visit: $60 Subsequent visit: $60	$300 a year
Exercise physiology	2 months	Initial visit: $40 Subsequent visit: $40	$600 a yearShared with Physiotherapy
Orthoptics	2 months	Initial visit: $60 Subsequent visit: $60	$300 a year
Occupational therapy	2 months	Initial visit: $60 Subsequent visit: $60	$300 a year
Orthotics	12 months	Per pair of orthotics: $200	$400 a yearShared with Podiatry
Osteopathy	2 months	Initial visit: $50 Subsequent visit: $50	$500 a yearShared with Chiropractic
Speech therapy	2 months	Initial visit: $60 Subsequent visit: $60	$300 a year
Vaccinations	2 months	Per vaccination: $60	$200 a yearShared with Non-PBS prescription medicines

Not covered: Antenatal and postnatal care, Health management programs, Home nursing

Annual limits

Services in the same group share one limit.

General dental
$800 a year
Major dental, Root canal (endodontics)
$1,200 a year
Orthodontics (braces)
$600 a year, $2,100 lifetime
Glasses and contact lenses
$250 a year
Non-PBS prescription medicines, Vaccinations
$200 a year
Physiotherapy, Exercise physiology
$600 a year
Also includes other services not listed
Chiropractic, Osteopathy
$500 a year
Podiatry, Orthotics
$400 a year
Psychology
$300 a year
Acupuncture, Chinese herbal medicine
$350 a year
Remedial massage
$300 a year
Hearing aids, Blood glucose monitors, Audiology (hearing tests)
$300 a year
Dietetics
$300 a year
Orthoptics
$300 a year
Occupational therapy
$300 a year
Speech therapy
$300 a year

Insurer's notes (original English)

Product features

Excludes chiropractic x-rays. Remember, Frank is all online. For more information contact Frank on 1300 437 265 or visit www.frankhealthinsurance.com.au

Special features

Non PBS Pharmaceuticals & Vaccinations must be a private Schedule 4 or Schedule 8 and dispensed via a provider in private practice. Benefit after deduction of the PBS co‐payment.

Frequently asked questions

How much does Frank Top Extras pay for a scale and clean?

According to government data, Frank Top Extras pays up to $78.80 per scale and clean (114), with a 2 months general dental waiting period. General dental annual limit: $800 a year.

What are the waiting periods for Frank Top Extras?

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, Hearing aids 12 months, Blood glucose monitors 12 months, Audiology (hearing tests) 2 months, Chinese herbal medicine 2 months, Dietetics 2 months, Exercise physiology 2 months, Orthoptics 2 months, Occupational therapy 2 months, Orthotics 12 months, Osteopathy 2 months, Speech therapy 2 months, Vaccinations 2 months.

Can Frank Top Extras be bought on its own?

Yes. This product doesn't need to be held with hospital cover.

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