Finder makes money from featured partners, but editorial opinions are our own.

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?

Key takeaways

  • 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 85
Name and lozenges Finder Score Treatments Price
HCF STARTER EXTRAS
Extras cover
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$17.45
per month
Go to SiteView details
black 50 saver
Extras cover
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
Get up to 8 weeks free. For new joins who maintain eligible cover. T&Cs apply. Learn more.
$18.80
per month
Go to SiteView details
Frank Basic Extras
Extras cover
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$19.20
per month
Go to SiteView details
Freedom 50
Extras cover
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$20.00
per month
Go to SiteView details
Value Extras
Extras cover
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$20.04
per month
Go to SiteView details
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$23.10
per month
Go to SiteView details
Basic Extras
Extras cover
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$27.05
per month
Go to SiteView details
Base Extras
Extras cover
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$28.21
per month
Go to SiteView details
Frank Easy Extras
Extras cover
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$28.30
per month
Go to SiteView details
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$29.60
per month
Go to SiteView details
Basic Extras
Extras cover
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$32.18
per month
Go to SiteView details
Starter Extras
Extras cover
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$32.20
per month
Go to SiteView details
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$35.95
per month
Go to SiteView details
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
Want a $50 gift card when you join & maintain eligible Extras? Plus, get 2&6 month waits waived on extras. New members only. T&Cs apply. Excludes Healthy Living Extras.
$36.90
per month
Go to SiteView details
HCF FLEX MY EXTRAS
Extras cover
Finder score
  • General dental
  • Major dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial massage
  • Hearing aids
$38.90
per month
Go to SiteView details
loading
Showing 15 of 85 results

Finder Score - Health Insurance Extras

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.

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 their bill looked like in September 2024.
  • Extras only: $73
  • Basic: $100
  • Bronze: $153
  • Silver: $178
  • Gold: $204
Price based on 500+ responses for single hospital or extras insurance.

Frequently asked questions

Richard Laycock's headshot
Editor

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 bio

Tim Bennett's headshot
Co-written by

Insurance expert

Tim Bennett is a Finder insurance & utilities expert. For over 10 years he's reported on news, politics, finance and other topics as a journalist and radio presenter. Tim's roles have included radio news reader and breakfast at the ABC, news producer for SBS and producer for Fairfax Media. Tim regularly appears as a health insurance expert on programs like Sunrise and SBS news, as well as in the Australian, The Daily Telegraph, The Courier Mail and more. See full bio

Tim's expertise
Tim has written 114 Finder guides across topics including:
  • Personal finance
  • Financial comparison
  • Health insurance
  • General insurance
  • Life insurance

More guides on Finder

  • Health insurance for psychology

    Ensure your health insurance includes psychological wellbeing services when comparing cover.

  • Health insurance for remedial massage

    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.

  • When do health insurance benefits reset?

    What do the annual benefit limits on your health insurance extras cover actually mean? Find out here.

  • No-gap optical

    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.

  • Optical health cover

    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.

  • Health insurance for non-PBS pharmaceuticals

    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.

  • Laser eye surgery health insurance

    finder.com.au explains how the private and public health system in Australia handles optical procedures and services.

  • Health insurance gym membership

    This guide takes a look at private health insurance in relation to gym membership and other health-related services.

  • Is naturopathy covered by health insurance?

    Discover more about accessing naturopathy, herbal remedies, traditional Chinese medicine and other alternatives with coverage through your health insurance.

Go to site