Health insurance with chiropractic coverage

Average customer rating: 4.3/5
Written by Joshua Malin
Reviewed by Steven Spicer
Updated 9 April 2024

Why take out health insurance with chiropractic coverage?

If you’re not sure whether to take out cover for chiropractic treatment, here are a few questions to ask yourself to help make up your mind:

  • Do you work a physically demanding job that takes a toll on your body?
  • Do you play any sports or engage in any activities that pose a significant risk of an injury?
  • If you were unexpectedly injured, would you be comfortable waiting to complete your waiting periods (or paying the full cost out of pocket), or would you want to access treatment and claim a benefit right away?

If you answered yes to any of these questions, you could potentially benefit from chiropractic coverage. A chiro could help you recover from an injury or manage chronic pain, so you can focus on the things that matter.

Choosing cover for chiropractors

Once you’ve decided to get health insurance with chiropractic cover, the next step is to compare your options to find a policy that suits you. Everyone’s circumstances are different, but there are a few things you might like to keep in mind while you browse:

  • Waiting periods. For extras cover, waiting periods for services differ between health funds. Some funds may even waive waiting periods in certain situations.
  • Type of benefit. Some health funds will pay your benefit as a percentage of your chiro fee, while others will pay a fixed dollar amount.
  • Preferred providers. Many health funds will have preferred healthcare providers. When you’re treated by one of your health funds preferred providers, you could receive a discounted rate or higher rebate.

Expert tips on choosing health insurance for chiropractic coverage

Our health insurance expert, Steven Spicer, has some tips for you on how to find a policy with chiropractic cover that works for you.

Steven Spicer
Executive General Manager – Health, Life & Energy

Know your options

If you plan on using chiropractic cover regularly, it’s worth comparing your options because limits and rebates can vary significantly between health funds. You might find a better-value policy out there that can take more financial pressure off your regular visits.

Review the group limits on your policy

Chiropractic cover is often grouped with other services. If these are services that you use regularly, you may quickly use up your group limit and find yourself paying out of pocket until your limits reset. If this is the case, you might want to look for policies with higher group limits or policies that don’t group chiropractic cover with other services that you regularly claim on.

Watch out for sub-limits

Occasionally, a sub-limit will be applied to chiropractic cover, which is the maximum that you can claim on that service within your overall extras cover. If you’re planning to use chiropractic cover regularly, check your sub-limits to make sure you have enough cover for what you need.

How chiropractic treatment works

What is chiropractic treatment?

Who should consider using a chiropractor?

How do I know if a chiropractor is registered?

How much does a chiropractor cost?

Chiropractic treatment and health insurance

Does health insurance cover chiropractic visits?

How much can I claim on chiropractic through health insurance?

Does chiropractic health insurance have annual claim limits?

How long do I have to wait before I claim chiropractic on health insurance?

Is chiropractic health insurance subject to any other conditions?

Is chiro covered by Medicare?

Generally speaking, Medicare doesn’t usually cover chiropractic under the Medicare Benefits Schedule (MBS). However, if you’ve had a terminal or chronic condition for six months or longer, you may be eligible for a GP Management Plan and Team Care Arrangements (TCA).4

With this care plan, you’ll have access to Chronic Disease Management (CDM) items under Medicare. Upon referral, you’ll be eligible to receive Medicare rebates for five individual visits to an allied health professional (e.g. chiropractor) per calendar year. If you aren’t eligible for this care plan, you can still go to a chiropractor without health insurance, but you’ll have to pay the full out-of-pocket costs.

Medicare can also help pay for examinations like X-rays, which you can use in conjunction with chiropractic services.

Meet our health insurance expert, Steven Spicer

Steven Spicer
Executive General Manager – Health, Life & Energy

As the Executive General Manager of Health, Life and Energy, Steven Spicer is a strong believer in the benefits of private cover and knows just how valuable the peace of mind that comes with cover can be. He is passionate about demystifying the health insurance industry and advocates for the benefits of comparison when it comes to saving money on your premiums.

Want to know more about health insurance?

1 Victoria State Government – BetterHealth Channel: Chiropractic, Chiropractic treatments. Accessed March 2023.
2 Healthdirect – Chiropractors: what conditions do chiropractors treat? Accessed March 2023.
3 Comcare – Rates for medical and allied health treatment. Averaged across Australia for comparable services. March 2023.
4 Australian Government Department of Health – Chronic Disease Management: Provider Information. Accessed March 2023.