Compare health insurance for physiotherapy from $13 a month and knock at least half off your physio bill.
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Considering that physio consultations cost around $100, you can save quite a lot with a $13 a month extras policy that includes physiotherapy insurance. Plus, you can also cash in on other treatments you usually need throughout the year, like general dental and optical.
Compare health insurance for physiotherapy
Below are a few funds from Finder partners who cover physiotherapy sessions. We've displayed the yearly limit and they have a 2 month waiting period. They also include other benefits such as dental, optical or chiro.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Compare extras only cover from 30+ funds
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.
Common physiotherapy services you can claim for
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.
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.
Medicare can provide benefits for physio-related treatment in the following circumstances.
- 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.
However, all other out-of-hospital physiotherapy costs are not covered by Medicare and you will need to rely on your private health insurance.
No matter how active you are or what life stage you are at, there are plenty of reasons why you might be able to benefit from private health insurance cover for physiotherapy:
- If you have developed a movement disorder of any kind.
- If you are restricted by a chronic illness.
- If you are recovering from an injury.
- If you play a sport with a risk of physical injury.
There are several ways you can claim physiotherapy on your health insurance, but keep in mind that your health fund may not offer all of the following claim options.
- On the spot. Use your membership card to submit your claim electronically through HICAPS when you visit your physio.
- Online. Use your health fund’s online claims service to submit the details of your claim, including a receipt from your physio.
- Via an app. Many health funds offer claims apps that allow you to submit a photo of your receipt and claim.
- Via email, fax or post. Fill out a claims form, attach a copy of your receipt and email, fax or post it to your health fund.
- In person. If your fund operates bricks and mortar branch, visit one of these in person to submit your receipt and claim.
- Is 130,000 Velocity points worth changing your health insurance for?
- Medical expenses up 8.3% – how can you avoid being stung?
- Earn over $90K? You could save $900+ in tax with basic private health cover
- Health insurance costs rise from April 1: 5 ways to save
- Optical inclusion: Extras cover the top reason for taking out health insurance, survey finds
- 4.2 million Aussies are making a big health insurance mistake
More guides on Finder
eBay EOFY sales: Best deals from Apple, KitchenAid and more
Score up to 22% off millions of items with these top end of financial year offers.
Thinking about teeth aligners? Here’s how to make them more affordable
SPONSORED: Perfect teeth could be in closer reach than you think.
Your first look at the Billie Eilish x Air Jordan 1 sneaker collab
Featuring Billie's signature shade, here's what you need to know if you want to cop these kicks.
Amazon Prime Day 2021: Don’t miss these deals on 21 June
Amazon Prime Day is returning to Australia in the first half of 2021. Here are six online deals you need to know about.
How to buy TitanSwap (TITAN) in Australia
This guide will show you step-by-step instructions on how to buy the TitanSwap (TITAN) token as well as a list of exchanges you can trade it on.
Canterbury Bulldogs vs St George Illawarra Dragons NRL: Start time and watch free
The one-win Bulldogs return after a bye, hopefully refreshed and ready to meet the Dragons.
NSW first home owners tax reform offers 25K grants
First home buyers in NSW could be given up to $25,000 towards their first home purchase – find out if you're eligible.
24 PlayStation 5 consoles are up for grabs this long weekend
eBay is giving away 24 PlayStation 5 prize packs this long weekend - here's how to enter.
Does anyone actually need Twitter Blue?
Here's everything included in Twitter Blue and how much it costs.
How to watch UFC 263 Adesanya vs Vettori 2 live in Australia
Undisputed champion Israel Adesanya is ready for his long-awaited rematch against Marvin Vettori in Arizona.
You might like these...
Ask an Expert