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Physiotherapy insurance

Compare health insurance for physiotherapy, available from $3 a week and can cover a large amount of your physio bills.

Who is this cover for?

What you need to know

  • Physio is covered by most basic extras policies from around $3 per week.
  • The cost of physiotherapy without insurance can be around $80 to $130+ for a standard consultation.
  • Private health insurance for cataract surgery can help with the cost from around $18 a week.

Compare health insurance for physiotherapy

Here are some extras health insurance polices from Finder partners with physiotherapy cover. They all have a 2 month waiting period. They also include other benefits such as dental, optical or chiro.

1 - 15 of 86
Name Product Treatments Price Apply
HCF STARTER EXTRAS
Extras cover
HCF logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$13.16
per month
Go to Site
All treatments
black 50 saver
Extras cover
ahm logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
Get 8 weeks free extras cover. For new joins by Jun 30 who maintain eligible extras. T&Cs apply. Learn more.
$14.17
per month
Go to Site
All treatments
Frank Basic Extras
Extras cover
Frank Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$14.48
per month
Go to Site
All treatments
Freedom 50
Extras cover
Bupa logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$15.08
per month
Go to Site
All treatments
Value Extras
Extras cover
nib logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$15.11
per month
Go to Site
All treatments
HCF logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$17.42
per month
Go to Site
All treatments
Basic Extras
Extras cover
HBF logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$20.39
per month
Go to Site
All treatments
Frank Easy Extras
Extras cover
Frank Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$21.34
per month
Go to Site
All treatments
GMHBA Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$22.32
per month
Go to Site
All treatments
Basic Extras
Extras cover
nib logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$24.26
per month
Go to Site
All treatments
Starter Extras
Extras cover
Bupa logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$24.28
per month
Go to Site
All treatments
Basic Extras
Extras cover
Health Insurance Fund of Australia Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$26.80
per month
Go to Site
All treatments
Frank Health Insurance logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$27.10
per month
Go to Site
All treatments
Medibank Private Limited logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +3 other treatments covered
Want up to 8 weeks free plus a $50 gift card? Join and maintain eligible Extras cover by June 30 2024. T&Cs Apply. Learn more.
$27.82
per month
Go to Site
All treatments
HCF FLEX MY EXTRAS
Extras cover
HCF logo
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
  • +1 other treatments covered
$29.33
per month
Go to Site
All treatments
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All prices are based on a single individual with less than $93,000 income and living in Sydney.

Why compare health insurance with Finder?

  • We don't ask for your phone or email to see prices.

  • With 1 click, you can open your results to nearly every fund in Australia.

  • You pay the same price as going direct – we charge no fees.

How much is physiotherapy without insurance?

Physiotherapists will charge you per appointment, depending on the appointment type. Some treatments will require only a single appointment, but you'll generally need to visit a physio on multiple occasions for most issues. The table below lists some common appointment types and typical costs from Australian physios.

Appointment TypeTypical price
Initial Consultation$100 - $150
Standard Consultation$80 - $130
Group Physiotherapy$25 - $42
Remedial Massage$100 - $140
Taping Only$20 - $35

What amount will I be able to claim back?

Depending on the health fund and extras policy you choose, your benefit amount for physio services may be calculated in the following ways.

  • Set benefit. This means that your rebate will take the form of a fixed dollar amount for claims on eligible services, such as $40 or $50.
  • Percentage benefit. Alternatively, your rebate may be calculated as a percentage of the total fee charged for the service, for example 50% or 75%.

It is also worth remembering that an annual limit will apply to the maximum rebate you are able to claim per person. Luckily, your extras benefits reset each year.

What physiotherapy expenses are covered?

Health funds cover physio on extras policies, although the benefit amounts provided will depend on the level of cover you choose. For example, a basic extras policy may only provide limited benefits or even exclude physio altogether. However, if included an extras policy will generally cover the physio-related services listed below.

  • Initial and follow-up consultations.
  • The development of a treatment plan.
  • Pilates or hydrotherapy.
  • Antenatal exercise classes.
  • Compression recovery items.
  • Rehabilitation.

Be aware that there are certain physio-related items that are not commonly covered by private health funds. These can include foam rollers, trigger balls and sports tape. Also keep in mind that services and items that can be claimed may differ between health funds and individual extras cover, so make sure to compare the features of each policy closely before making a purchase.

Does Medicare cover any physiotherapy services?

For most out-of-hospital physiotherapy, Medicare does not provide cover, so you'll need to cover the cost either out-of-pocket or with private health insurance. However, there are 2 situations where Medicare can provide benefits for physio-related treatment - during public hospital admittance, and for chronic disease management:

  • Public hospital admittance. Medicare provides some benefits for public hospital patients who need inpatient physio treatment or rehabilitation.
  • Chronic Disease Management program (CDM). Medicare may also cover certain physio-related services if they are part of a CDM recommended by at least two allied health professionals and a GP. Eligible chronic diseases can include arthritis, diabetes, cancer, stroke and musculoskeletal conditions.

How much does health insurance cost?

We ask hundreds of Australians what they're paying for health insurance every month. Here's what they told us in June 2024.
  • Basic: $110
  • Bronze: $143
  • Silver: $162
  • Gold: $197
Price based on 1,000+ responses for single hospital insurance.

Why you can trust Finder's health insurance experts

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Written by

Richard Laycock

Richard Laycock is Finder’s insights editor after spending the last five years writing and editing articles about insurance. His musings can be found across the web including on MoneyMag, Yahoo Finance and Travel Weekly. Richard studied Media at Macquarie University and The Missouri School of Journalism and has a Tier 1 Certification in General Advice for Life Insurance. See full profile

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