Private health insurance for physiotherapy

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

Why take out cover for physiotherapy?

With such a broad range of applications and benefits, it’s no wonder that physiotherapy is in the top three most utilised extras health services in Australia.1 Here are some of the potential benefits of cover for physiotherapy:

  • Physiotherapy can help treat such a wide range of aches and ailments that there’s a good chance you’ll experience at some point in your life. By taking out cover now, you can serve your waiting periods ahead of time, so your cover is ready when you need it.
  • If you’re planning an elective surgery, physiotherapy could play a significant role in your out-of-hospital rehabilitation, so you can get back on your feet sooner.
  • Some physiotherapists will offer preventative physio services, so you can avoid an injury. By correcting your posture and body mechanics, you could stay healthier for longer.

Choosing cover for physiotherapy

Once you’ve decided that health insurance for physiotherapy is right for you, the next step is to compare a range of policies to find one that suits your needs and budget. Here are a few things to consider while you browse:

  • Limits. All extras policies will have limits on the amount you can claim for included health services, such as physiotherapy, per year. You may also have a sub-limit, which is a maximum amount claimable for a single service within the greater annual limit.
  • Waiting periods. Physiotherapy waiting periods are typically on the lower end. However, extras waiting periods are up to the discretion of the health funds, so you should always compare. You may even be able to find a promotion that waives some extras waiting periods.
  • Preferred providers. Some health funds have preferred providers for physiotherapy. This means you may get some extra benefits when you see their chosen physio, such as a ‘No Gap’ offer or a discount on the total cost.

Expert tips for choosing the right physiotherapy cover for you

Our health insurance expert, Steven Spicer, has some tips on how to find an extras policy that meets your physiotherapy needs.

Steven Spicer
Executive General Manager – Health, Life & Energy

Consider all your options

Physiotherapy is a common inclusion on many extras products. This means there are a lot of health insurance policies that include physiotherapy for an affordable price. If you’re claiming on services such as physiotherapy regularly, taking out the right extras policy could help you save money.

Look out for special features

Some policies will allow you to claim on additional benefits such as myotherapy, hydrotherapy, exercise physiology and more using your physiotherapy cover. However, these additional benefits aren’t included on all policies with physio cover, so it’s important to read the policy brochure and check with your fund.

Keep an eye on your group limits

Physiotherapy cover can sometimes be grouped with other services, so if these are services that you use regularly, you may use up your group limit quite quickly and find yourself paying for the full appointment out of pocket until your limits reset. If this is the case, you may want to look for policies with higher group limits or that don’t group physiotherapy cover with other services you regularly claim on.

Physiotherapy and health insurance

Does health insurance cover physiotherapy?

What physiotherapy services does health insurance cover?

How long will I wait before I can claim physiotherapy treatments on my health insurance?

Does health insurance cover treatment from any physiotherapist?

Physiotherapy costs

How much does physiotherapy cost?

How much can I claim on physiotherapy, and are there limits?

How do I claim physiotherapy costs through health insurance?

Benefits of physiotherapy

How does physiotherapy work?

Why get covered for physiotherapy treatment?

Who should consider getting private health insurance for physiotherapy?

Does Medicare cover physiotherapy?

Medicare generally doesn’t cover the costs of physiotherapy treatment performed at a private clinic. However, if you’re admitted to a public hospital as an inpatient, Medicare covers any physio treatment you receive in hospital.

Alternatively, Medicare can cover related physio treatments if you have a chronic illness with a Chronic Disease Management Plan, and your GP and at least two allied health professionals recommend physiotherapy.

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.

1 APRA, Quarterly Private Health Insurance Statistics. June 2023. (Accessed February 2024).
2 Commonwealth Ombudsman (Private Health Insurance Ombudsman) – Waiting periods for private health insurance. (Accessed February 2024).
3 HealthDirect – Physiotherapy: How can physiotherapy help me (Accessed February 2024).