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Health insurance for chiropractic treatment

The cost of chiropractic treatment can be partly covered by extras insurance. Extras with chiro cover is available from just $4 a week*.

What you need to know:

  • Cover for chiropractic treatment is available on most extras policies, from just $4 a week*.
  • Extras policies will cover a certain amount or percentage each visit, up a to a yearly limit.
  • Most extras cover that includes chiropractic treatment will also include other benefits, like optical and dental.

*Prices are based on a single person living in Sydney earning less than $93,000 per year.

Compare extras policies with chiropractic cover

Below are a few options from Finder partners with chiropractic benefits. All have a 2-month waiting period. All prices are based on a single individual with less than $93,000 income and living in Sydney.

1 - 10 of 46
Name Product Treatments Price Apply
HCF STARTER EXTRAS
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$13.16
per month
black 50 saver
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$14.17
per month
Frank Basic Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$14.48
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$17.42
per month
Frank Easy Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$21.34
per month
Basic Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$26.80
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$27.10
per month
Simple Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +1 other treatments covered
$28.24
per month
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
$34.04
per month
Value Extras
Extras cover
  • General Dental
  • Major Dental
  • Optical
  • Physiotherapy
  • Chiropractic
  • Psychology
  • Remedial Massage
  • Hearing aids
  • +3 other treatments covered
$34.38
per month
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How much is chiropractic treatment?

The cost of visiting a chiropractor can vary depending on who you see, but generally, there will be two different costs:

  • Initial consultation fee: Typically between $70 and $150.
  • Subsequent appointment fee: Generally between $40 and $80 per visit.

Finder survey: How many people have made a claim for extras services?

ResponseFemaleMale
Chiropractic and osteopathy11.3%6.67%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023

Who pays for chiropractic treatment?

Aside from paying all the fees out of pocket, there are two different options for paying for chiropractic services: Medicare and private health insurance.

public system

Medicare

Medicare can help with chiropractor costs for up to five visits a year if you suffer from chronic pain. To claim, you need to speak to your GP about a Chronic Disease Management plan (CDM) or Team Care Arrangement (TCA).

This could save you between $200 and $500 over the course of 5 sessions.

A chronic condition is defined as a pain or injury that you've had for six months or longer. Commonly these can include:

  • Headaches
  • Lower back pain
  • Neck and shoulder pain
  • Sciatica

  • Knee pain
  • Strains
  • Arthritis

If you are not eligible for a CDM plan or TCA, you either have to pay full price or get private health insurance.

extras cover

Extras cover

If you have an extras policy that covers chiropractic treatment, it can chip in on the cost, though you'll still likely have to pay some of the cost. Before you can claim, you may need to complete a waiting period of two months.

The amount you can claim per visit will depend on your extras policy, and there's generally a limit to how much you can claim each year, $300 for example.

Your insurer will most probably pay a percentage of your fee for each visit until you reach the total limit for the year. For example, if your initial consultation is $100 your insurer may pay you for 60% of the cost leaving you with an out-of-pocket expense of $40.Alternatively, you may get a set refund per session, such as $20 per hour.

Here's a summary of how those costs would compare with and without private insurance over time. In this case, saving you $188 over 8 treatments.

Treatment costWith extras cover
Visit 1$120$72
Visit 2$50$30
Visit 3$50$30
Visit 4$50$30
Visit 5$50$30
Visit 6$50$30
Visit 7$50$30
Visit 8$50$30
Total treatment cost$470$282

It's also a good idea to check whether your health insurer has a preferred provider before you see a chiropractor just to be sure that it will cover your claim. If you already have someone in mind, it's best to check if they take HICAPS payment, as you can then use your private health insurance card to get an on-the-spot discount.

Sign-up deal this April 2024

Many funds have sign-up deals that waive the waiting period for treatments like chiropractic - check out these verified deals from Finder partners to see if you could benefit.

1 - 9 of 9
Name Product

8 weeks free on eligible Hospital & Extras cover

Ends 23 April 2024

New members join by 23 April & keep your cover for 1 month. T&Cs apply.


Get up to 8 weeks free

Ends 21 April 2024

When you join eligible cover by 21 April and stay with HCF. T&Cs apply.


Join and earn up to 120,000 Qantas Points

Ends 28 May 2024

Plus, get 60-75% back on Extras (up to your annual limit) for tihngs like dental, physio and glasses costs. Eligibility criteria and T&Cs apply.


Earn up to $760 in cashback and shopping rewards

Ends 28 March 2024

Improve your health and wellbeing and earn up to $760 in cashback and shopping rewards each membership year with AIA Health with AIA Vitality. T&Cs apply.


Join HIF Hospital & Extras and get a cash card worth up to $200

Ends 31 May 2024

Plus, 2-month waits waived on extras by 31 May 2024. T&Cs apply.


Get up to 12 weeks free

For new joins who maintain eligible combined hospital & extras. T&Cs apply. Learn more.


Get up to 8 weeks free + Waive 2 & 6 months waiting periods

Ends 30 April 2024

Join combined hospital & extras cover by 30 April 2024 for new members. T&Cs apply.


Get 6 weeks free plus no 2 & 6 month waits on extras

Ends 15 April 2024

When you join on the combined cover by 15 April. T&Cs apply.


Get 6 weeks free

Ends 15 April 2024

Plus, skip 2 & 6 months waits on extras when joining combined cover by 15 April. T&Cs apply.

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