Man benefiting from health insurance for physiotherapy

Health insurance for physiotherapy

Get cash back for your physiotherapy costs with extras insurance

If you are suffering from muscle, bone or joint problems treatment from a physiotherapist could be exactly what you need to get back to full mobility. Medicare will only cover the physio costs you incur as an inpatient in a public hospital.

This is where private health insurance comes in. When you take out an extras cover policy you can receive benefits that pay towards some or all of the cost of out-of-hospital physio treatment. Plans start from just $3 per week.

Compare extras only cover from 30+ funds

Just refine your search by 'physiotherapy' on the results screen to see your options.

Which health funds in Australia cover physiotherapy?

Health fundExtras policies and annual benefit limits*Waiting periods
HIF health insurance
  • Vital Options. $800 per person per person
  • Saver Options. $350 per person
  • Special Options. $450 per person
  • Super Options. $900 per person for up to 5 years
  • Premium Options. $1,200 per person for up to 5 years
  • 2 months
health.com.au health insurance
  • High. $350 per person
  • Middle. $350 per person
  • Base. $350 per person
  • Simple Essentials 60. $350 per person
  • Extras 50. $350 per person
  • 2 months
Health Care Insurance
  • Premier Extras. $750 per person
  • Active Life Extras. $400 per person
  • 2 months
teachers health fund
  • Restricted health fund
  • Top Extras. $800 per person
  • Essential Extras. $300 per person
  • 2 months
CBHS Health Fund
  • Restricted health fund
  • Top Extras. $720 per person
  • Intermediate Extras. $300 per person
  • Essential Extras. $200 person
  • 2 months
AHM health insurance
  • Lifestyle Extras. $350 per person
  • Super Extras. $600 per person
  • Family Extras. $350 per person
  • Black 60. $350 per person
  • Black 50. $300 per person
  • 2 months for Black 60
  • 2 months for Black 50
  • None for the rest
Australian Unity
  • Gold Extras. $500 per person
  • Silver Extras. $400 per person
  • Bronze Extras. $400 per person
  • Basic Extras. $350 per person
  • 2 months
GMHBA health fund
  • Gold Extras. $500 per person
  • Silver Extras. $400 per person
  • Bronze Extras. $300 per person
  • 2 months
HCF health insurance
  • Bronze. $100 per person
  • Bronze Plus. $120 per person
  • Silver Plus. $250 per person
  • Gold. $300 per person
  • Platinum. $500 per person
  • 2 months
nib health insurance
  • Top Extras. $600 per person
  • Core Plus Extras. $350 per person
  • Core Extras. $450 per person
  • 2 months
Transport Health insurance
  • Top Extras. $850 per person
  • Healthy Choice Extras. $400 per person
  • 2 months

*The policies listed in this table are extras only. However, in most cases these can be combined with hospital cover.

Health fundExtras policies and annual benefit limits*Waiting periods
ahm
  • Lifestyle Extras. $350 per person
  • Super Extras. $600 per person
  • Family Extras. $350 per person
  • Black 60. $350 per person
  • Black 50. $300 per person
  • 2 months for Black 60
  • 2 months for Black 50
  • None for the rest
Australian Unity
  • Gold Extras. $500 per person
  • Silver Extras. $400 per person
  • Bronze Extras. $400 per person
  • Basic Extras. $350 per person
  • 2 months
Bupa
  • Platinum Extras. $900 per person
  • Gold Extras. $800 per person
  • Silver Extras. $700 per person
  • Your Choice Extras. $450 per person
  • Bronze Extras. $350 per person
  • 2 months
Cessnock District Health Fund
  • Gold Extras. $700 per person
  • Silver Extras. $700 per person
  • Bronze Extras. $400 per person
  • 2 months
CUA Health
  • Total Extras. $500 per person
  • Classic Extras. $300 per person
  • Essential Extras. $250 per person
  • 2 months
GMF
  • Complete Extras. $600 per person
  • Mid Extras. $1,000 per person
  • Lite Extras. $500 per person
  • 2 months
GMHBA
  • Gold Extras. $500 per person
  • Silver Extras. $400 per person
  • Bronze Extras. $300 per person
  • 2 months
HBF
  • Flexi Extras. $350 per person
  • Flexi Extras Mid. $450 per person
  • Flexi Extras Plus. $550 per person
  • Saver Flexi Extras. $300 per person
  • Saver Flexi Extras Mid. $400 per person
  • Saver Flexi Extras Plus. $500 per person
  • 2 months
HCF
  • Bronze. $100 per person
  • Bronze Plus. $120 per person
  • Silver Plus. $250 per person
  • Gold. $300 per person
  • Platinum. $500 per person
  • 2 months
Health Care Insurance
  • Premier Extras. $750 per person
  • Active Life Extras. $400 per person
  • 2 months
health.com.au
  • High. $350 per person
  • Middle. $350 per person
  • Base. $350 per person
  • Simple Essentials 60. $350 per person
  • Extras 50. $350 per person
  • 2 months
hif
  • Vital Options. $800 per person per person
  • Saver Options. $350 per person
  • Special Options. $450 per person
  • Super Options. $900 per person for up to 5 years
  • Premium Options. $1,200 per person for up to 5 years
  • 2 months
Latrobe Health Services
  • Premier Gold, Family Care Gold. $1,000 per person.
  • Premier Silver. $350 per person
  • Premier, Premier Plus, Family Care. $300 per person
  • 2 months
Medibank
  • Top Extras. $300 per person
  • Growing Family Extras. $300 per person
  • Basic Extras. $450 per person
  • Healthy Start Extras. $500 per person
  • 2 months
Mildura Health Fund
  • Five Star Extras. $650 per person
  • Ancillary Plus. $540 per person
  • Basic Ancillary. $390 per person
  • 2 months
nib
  • Top Extras. $600 per person
  • Core Plus Extras. $350 per person
  • Core Extras. $450 per person
  • 2 months
onemedifund
  • Extras Plus. $550 per person
  • Basic Extras. $350 per person
  • 2 months
Peoplecare
  • Premium Extras. $600 per person
  • High Extras. $500 per person
  • Mid Extras. $350 per person
  • Basic Extras. $300 per person
  • 2 months
Phoenix Health Fund
  • Top Extras. $800 per person
  • Mid Extras. $400 per person
  • Basic Extras. $250 per person
  • 2 months
Queensland Country Health Fund
  • Premium Extras. $700 per person
  • Essential Extras. $500 per person
  • Young Extras. $400 per person
  • 2 months
St. Lukes Health
  • Super Extras. $850 per person
  • Budget Extras. $500 per person
  • 2 months
Transport Health
  • Top Extras. $850 per person
  • Healthy Choice Extras. $400 per person
  • 2 months
ACA Health
  • Restricted health fund
  • Complete Ancillary. $850 per person
  • Ancillary Lite. $300 per person
  • 2 months
CBHS health fund
  • Restricted health fund
  • Top Extras. $720 per person
  • Intermediate Extras. $300 per person
  • Essential Extras. $200 person
  • 2 months
Defence Health
  • Restricted health fund
  • Premier Extras. $1,500 per person
  • Value Extras. $1,100 per person
  • Essentials Extras Product. $450 per person
  • 2 months
Doctors Health Fund
  • Restricted health fund
  • Total Extras. $700 per person
  • Essential Extras. $900 per person
  • Basic Extras. $400 per person
  • 2 months
Navy Health
  • Restricted health fund
  • Premium Extras. $800 per person
  • Healthy Living Extras. $600 per person
  • Saver Plus. $300 per person
  • Basic Extras. $300 per person
  • 2 months
Police Health
  • Restricted health fund
  • SureCover Extras. $850 per person
  • 2 months
Reserve Bank Health Society
  • Restricted health fund
  • Extras Cover. $920 per person.
  • 2 months
RT Health
  • Restricted health fund
  • Smart Extras. $450 per person
  • Value Extra. $350 per person
  • Premium Extra. $550 per person
  • 2 months
Teachers Health Fund
  • Restricted health fund
  • Top Extras. $800 per person
  • Essential Extras. $300 per person
  • 2 months
TUH
  • Restricted health fund
  • Comprehensive Extras. $700 per person
  • Healthy Options 60% Extras. $450 per person
  • Mid Range Extras. $600 per person
  • Basic Extras. $400 per person
  • 2 months

*The policies listed in this table are extras only. However, in most cases these can be combined with hospital cover.

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.

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.

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.

Does Medicare cover any physiotherapy services?

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.

Who can benefit from cover?

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.

How do I lodge a claim with my health fund?

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.

Compare extras cover and request a quote from an adviser

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Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

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