Chiropractor Health Insurance

Compare private health insurance quotes which can cover chiropractic treatment through Savvy. 

Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on July 6th, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

We’ve partnered with Compare Club to bring you a range of health insurance policies to help you compare them side by side.

Anyone who has experienced severe back or neck pain knows how great the feeling can be when a chiropractor is able to relieve it, which is why having private health insurance which covers chiropractic visits can be so important. 

You can compare a range of extras health insurance policies which include cover for chiropractic visits through Savvy. You'll be able to consider a range of health insurance quotes side-by-side through our simple comparison service from a panel of leading insurers. Start the process with us today. 

What type of health insurance covers chiropractic visits?

Chiropractic therapy is a form of healthcare which treats musculoskeletal issues and helps to relieve pain in the back and neck. It may involve: 

  • Spinal manipulation, sometimes called spinal adjustment 
  • Massage 
  • Application of heat or ice 
  • Joint mobilisation and stretching 

Chiropractic visits are usually covered by extras health insurance policies. Most extras policies will allocate annual benefit limits for several different types of treatments and services which are provided in the community, but which aren’t covered by Medicare. This means you’ll get a certain amount to spend on different types of treatments in one financial year in areas such as:  

  • Chiropractic 
  • Optical 
  • Dental 
  • Physiotherapy 
  • Podiatry 
  • Wellbeing services 

The amount of cover you’ll receive for each type of treatment offered by an extras policy will depend on the policy you buy and the provider you buy from. Extras cover ranges from the cheapest policies offering basic cover to more expensive policies which, in turn, offer more comprehensive benefits. 

How do I compare health insurance policies which cover chiropractic treatment?

Some of the questions to ask yourself when comparing different extras health care policies with chiropractic cover are: 

  • Do the services which are covered align with your personal health needs and pre-existing conditions? Does the policy include the main healthcare services you use frequently? For example, if you visit a chiropractor every month, is chiropractic treatment sufficiently covered by the policy?  
  • What healthcare services are covered by the policy beyond chiropractic?  
  • What percentage of your treatment’s cost can you claim? Are you prepared to pay a little more per month to get a higher percentage of the cost refunded by your policy? 
  • What are the benefit limits for each category of treatment? Are there lifetime limits which apply as well as yearly benefit limits? 
  • Are there free treatments offered by affiliated healthcare providers through a particular fund? For instance, is your chiropractor affiliated with a particular health insurer? 
  • What waiting periods may apply before you can make a claim on the policy? Will the health fund recognise any previous waiting periods you’ve already served so there are no waiting periods if you switch? 
  • Are there any special offers or free deals on health insurance (such as waived waiting periods or free weeks of cover) on offer? 
  • If there are special offers, such as reduced-price gym memberships or pay TV subscriptions, will you actually use such additional benefits? 

By asking yourself these questions, you should be able to gain a clearer understanding of which extras policies may be more suited to your personal requirements. Savvy makes comparing health insurance policies easier by providing access to a range of quotes from our trusted panel of insurers. You can start the comparison process through us today.

Types of health insurance

Why compare health insurance through Savvy?

Frequently asked questions about health cover for chiropractic treatment

Is any of the cost of chiropractic treatment covered by Medicare?

No – you'll need an extras health insurance policy to claim back any of the cost of a visit to a chiropractor unless you have a Chronic Diseases Management Plan, which is a Medicare-funded plan assisting people to manage chronic health conditions. 

Does my chiropractor have to be authorised by my health fund before they’ll pay benefits?

Some health funds do have direct arrangements with private healthcare providers, who agree to offer their services at a reduced cost to a particular health fund. However, your health fund doesn’t usually have to authorise your visit to a chiropractor. 

What happens when I reach my extras benefit limit?

If you reach your benefit limit, your health fund will no longer pay any claims for that type of treatment until the policy resets to the next year, at which point your policy benefits can be reinstated. Some funds reset on calendar years, while others reset on April 1 or July 1.  

Can I get extras health insurance where I choose how to spend my benefits?

There are extras policies available where you can choose how you spend your policy benefit amount. With such policies, there’s often a choice between different areas of cover such as dental, optical, physiotherapy and chiropractic treatments. Therefore, if you require more cover for chiropractic treatment than optical, you may be able to adjust your claim limits to better suit your needs. However, these aren't offered by all insurers, so compare your options if you're looking for a customisable policy.

Helpful health insurance guides

Health Insurance Banner - Man smiling while looking at his laptop in an office

Best Health Insurance

Compare some of the best health insurance quotes from a trusted panel of insurers with Savvy.   Compare quotes now...

Health Insurance Banner - A senior couple happily looking at their computer.

Health Insurance Age Limits

Find out how long a dependent can remain on a family health insurance policy in Savvy's helpful guide.  Are you...

Health Insurance Banner - Man with glasses looking at his laptop and choosing a health insurance policy

Choosing Health Insurance

Learn some important tips for choosing your health insurance policy right here with Savvy. With more than 35 health insurance...

Looking for health insurance to cover your condition or treatment?

Read one of our helpful guides on a range of different ailments and potential hospital or extras treatments to help you find out if they're covered.

Disclaimer:

Savvy is partnered with Compare Club Australia Pty Ltd (AFS representative number 001279036) of Alternative Media Pty Ltd (AFS License number 486326) to provide readers with a variety of health insurance policies to compare. Savvy earns a commission from Compare Club each time a customer buys a health insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via Compare Club.

Savvy’s comparison service is provided by Compare Club. Compare Club compares selected products from a panel of trusted insurers and does not compare all products in the market.

Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

For any further information on the variety of insurers compared by Compare Club or how their business works, you can read their Financial Services Guide.