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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.
Each month we analyse over 10,000 extras insurance products and rate each one on price and features. What we end up with is a nice round number out of 10 that helps you compare extras cover a bit faster.
We want to compare apples to apples, not apples to apple pie. It doesn't make sense to compare a top extras policy with coverage for hearing aids and braces against a policy designed only for dental. So we've separated all the extras policies on the market into pools and categories. Once in their pools and categories, each product gets a price score and a features score, which are then combined to give the Final Score.
Read the full Finder Score methodology
All prices are based on a single individual with less than $97,000 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.
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 Type | Typical price |
---|---|
Initial Consultation | $100 - $150 |
Standard Consultation | $80 - $130 |
Group Physiotherapy | $25 - $42 |
Remedial Massage | $100 - $140 |
Taping Only | $20 - $35 |
Depending on the health fund and extras policy you choose, your benefit amount for physio services may be calculated in the following ways.
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.
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.
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.
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:
Ensure your health insurance includes psychological wellbeing services when comparing cover.
Remedial massage can help ease pain from general wear and tear as well as specific injuries. This treatment isn’t covered by Medicare but is included in private health insurance extras cover. Find out how private health insurance can cover you for remedial massage therapy.
What do the annual benefit limits on your health insurance extras cover actually mean? Find out here.
Some health funds offer no-gap optical schemes and this guide looks at what these cover and which health funds are providing them to their members.
To cover the cost of eye tests, glasses, contact lenses and other optical services, you’ll need to take out extras cover from a private health fund.
If you're wondering what pharmaceutical costs are covered by private health insurance, we've got a guide to health cover for non-PBS pharmaceuticals here.
finder.com.au explains how the private and public health system in Australia handles optical procedures and services.
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