Health insurance for physiotherapy
The table below displays a range of extras-only health insurance policies from our online partners that include cover for physio.

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The initial results in the table above are sorted by Star Rating (High-Low) , then Monthly premium (approx) (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.
About Physio Health Insurance
Physiotherapy is a treatment that aims to help people move freely and with less pain by using physical methods such as massage, movement and exercise. If you’re considering taking out health insurance for physiotherapy, here are some important things to know.
What is health insurance for physiotherapy?
Health insurance in Australia is broken down into two components, hospital cover and extras cover. Physio cover is generally included as a component of extras, and if you have this kind of cover, you may be able to claim some of the cost of your physio sessions back on insurance, up to an annual limit.
You can use the table at the top of this page to see a range of health insurance extras policies that include physio cover, offered by Canstar’s online partners. Adjust the filters to suit your needs.
How does physio cover work?
Generally speaking, when you take out extras cover, physiotherapy will be included as a service you can claim. Once you have served the relevant waiting periods, you will be able to claim back part of the cost of your physio treatments back. The amount you can claim for each physiotherapy session will depend on your health insurance provider.
Your extras cover will typically come with an annual limit, which is the total amount you can claim in a calendar year. Some health insurers will provide you a percentage back for each physiotherapy session – for example, 60% of the cost of each visit – until you hit your annual limit. Some may offer a certain amount – for example, $500 annually for physio treatments.
Some health insurance providers will have a network of preferred providers, or partner providers – these are physiotherapists and dentists who have an arrangement with your health fund. If you choose to be treated by these providers, you may be able to claim a higher percentage back than you would at other providers, potentially even up to 100% of the cost.
Frequently Asked Questions about Physio Health Insurance
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For those that love the detail
This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.