Health insurance for remedial massage

Remedial massage can be covered under private health insurance for less than $13 a month.

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!

What you need to know

  • Remedial massage can be exceptionally helpful for people that suffer from pain due to an injury or general wear-and-tear.
  • In Australia, it is recognised as a viable treatment and can be included in extras cover.
  • You could find a policy with a combined annual limit that includes other natural therapies or treatments.

What is remedial massage?

Remedial massage is not the same as a massage performed for relaxation; remedial massage is a type of physiotherapy and a treatment for specific ailments. It can help if you have muscle tension or chronic joint pain. By manipulating and applying pressure to specific muscles and parts of the body, remedial massage can treat carpal tunnel syndrome, back injuries and even headaches.

How to get a remedial massage health fund rebate

If you have remedial massage in your extras cover, private health insurers will pay a percentage of your remedial massage costs. This is often paid as a discount per session. Additional costs, such as the cost of purchasing medication, may not be included in your cover.

Remedial massage cover limits are sometimes combined with the maximum benefit for other complementary therapies such as acupuncture. Your insurer will only pay a benefit if you use the services of a recognised practitioner. Practitioners are recognised by insurers if they've completed a diploma in remedial massage.

Private health cover for less than $13 per month

You can find remedial massage limits as part of extras. Sometimes you get a combined annual limit that includes other natural therapies or treatments.

The following table shows extras cover from Finder partners who offer remedial massage - they all have a 2 month wait period.

Name Product Remedial Massage Limit Price Per Month Hide CompareBox Apply
ahm black 60
$200
$38.60
Medibank Healthy Start Extras
$150
$26.50
HBF Flex 50
$800
$30.23
Qantas Lifestyle Extras
$150
$55.83
HCF Starter Extras
$150
$12.70
Frank Easy Extras
$350
$20.20
Peoplecare Mid Extras
$300
$51.50
loading

Compare up to 4 providers

*Prices are based on a single individual living in Sydney with less than $90,000. Always check combined limits.

Compare extras health insurance offered by 30+ funds

Or you can use our free tool to compare your options from Australian health funds. Remedial massage rebates can be found in 'Extras only' or 'Hospital & Extras'

Compare health insurance for free
Compare prices from 30+ Aussie funds in under 30 seconds.

What’s involved in remedial massage?

Once you’ve selected a recognised therapist, you will need an initial assessment. An initial assessment details your medical history as well as the reason(s) for the massage therapy so that the masseuse can tailor the treatment to your circumstances.

Is remedial massage covered by Medicare?

Medicare does not provide cover for remedial massage. For private cover, remedial massage is a common inclusion in natural or alternative therapy cover. Remedial massage is also a worker’s compensation benefit.

Private insurers may refund you a percentage of the cost of your treatment or they may have a flat fee rebate structure in place.

Who can benefit from cover for remedial massage?

Remedial massage can help relieve muscle and joint pain and soreness. It can help if you’ve suffered an injury, for example from sports, work or a car accident, or if you have an ongoing physical ailment such as back problems. Remedial massage can even help you deal with the discomfort of pregnancy.

The following are just some of the common conditions and injuries that remedial massage therapy can help you with:

  • Arthritis
  • Back pain and injuries
  • Whiplash
  • Shin splints
  • Repetitive strain injury and carpal tunnel syndrome
  • Muscle cramps
  • Sporting injuries
  • Dancing injuries

You don’t need to be a millionaire to get private cover for ancillary treatments. Insurers include remedial massage in extras policies for less than $13 per month.

Features to look for in a health insurance policy

These policy terms and conditions are common among insurers and may impact your ability to make a claim on remedial massage therapy:

  • Treatment purpose. You cannot claim for remedial massage therapy if you’re not attending the appointment for a specific reason.
  • Treatment frequency. If you plan on attending multiple remedial massage sessions in the one day from the same practitioner, you can only claim once.
  • One claim. If you can claim a rebate from multiple sources, for example from your private health insurance and work cover, you can only claim from one source.
  • Preferred providers. In all cases, you must seek treatment from a recognised remedial massage therapist. You may be able to choose your own therapist from outside your insurer’s practitioner network.
  • Waiting periods. For natural therapies such as remedial massage or acupuncture, you need to wait a minimum of two months after you’ve taken out cover before you can make a claim. If you have a pre-existing medical condition, the waiting period can be as long as 12 months.
  • Qualifications. Insurers will not recognise a remedial massage therapist if they have received their qualifications online or by distance education.

Frequently asked questions

More guides on Finder

Save on your health insurance

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site