Health Insurance For Physiotherapy

Compare quotes for health insurance which cover physiotherapy here through Savvy 

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, updated on July 6th, 2023       

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Health Insurance Banner - A young woman receiving a neck and back massage from a physio

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

For many people, physiotherapy can be an essential part of their healthcare routine, especially if they are dealing with musculoskeletal issues or injuries. That’s why it’s important to find the best private health insurance that covers physiotherapy visits if you do have health issues in this area.   

Savvy can help you compare a range of extras health insurance policies that include cover for physiotherapy visits. You’ll be able to consider a range of health insurance quotes side-by-side from a panel of leading insurers. Start the process with us today.

What type of health insurance covers physiotherapy visits?

Physiotherapy is a form of healthcare that treats musculoskeletal issues and injuries. It focuses on restoring and maintaining movement and function in the body and may involve: 

  • Exercise therapy 
  • Manual therapy 
  • Electrotherapy 
  • Heat and cold therapy  

Most extras private health insurance policies cover physiotherapy visits. These policies allocate annual benefit limits for different types of treatments and services provided in the community that aren’t covered by Medicare. This means you get a specific amount to spend on various types of healthcare in one financial year, such as:  

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 choose. Extras cover ranges from the cheapest policies offering more minimal cover to more expensive policies which offer comparatively comprehensive benefits.  

We can help you compare a range of extras policies by providing free online quotes. Get your extras health insurance needs sorted through Savvy today and access cover for physiotherapy.

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

When comparing different extras health insurance policies with physiotherapy coverage, consider the following questions: 

  • Is there cover for services you’ll use? Does the policy include the main healthcare services you frequently use? 
  • Additional healthcare services covered – what other services are covered by the policy besides physiotherapy? 
  • Percentage of treatment cost covered – what percentage of the treatment's cost can you claim back? Are you willing to pay a little more in premiums per month to receive a higher percentage rebate each time you claim?  
  • Benefit limits – what are the benefit limits for each type of treatment? Are there any lifetime limits or yearly benefit limits which apply? 
  • Fund affiliation – are there any affiliated healthcare providers which offer free treatments through a particular fund? For example, is your physiotherapist affiliated with one particular health insurer? 
  • Waiting periods – 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? 
  • Current special deals – are there any special offers or free deals on extras health insurance, such as waived waiting periods or free weeks of cover currently on offer? 

Finding the right health insurance policy for your physiotherapy needs can take some research and careful consideration. However, by comparing different policies and providers and asking the right questions, you may be able to find a policy that offers the coverage and benefits you need to manage your condition and stay healthy through Savvy. By asking yourself these questions, you’ll gain a better understanding of which extras policy may be best suited to your personal health requirements.  

Savvy helps make the process of comparing health insurance policies easier by providing access to a range of quotes from a trusted panel of insurers. Start the comparison process through us today. 

Types of health insurance

Why compare health insurance through Savvy?

Frequently asked questions about health insurance for physiotherapy

Is physiotherapy covered by Medicare in Australia?

Generally, no. You'll need to have private health insurance extras cover in order to claim benefits for physiotherapy treatments, unless you have a special arrangement with your GP called a Chronic Diseases Management Plan. 

Do I need to get permission from my health fund before seeing a physiotherapist?

No – while some health funds may have agreements with specific providers, you usually won't need authorisation from your GP or your health fund before you see a physiotherapist. In most cases, you can self-refer.  

What happens if I reach my annual benefit limit for physiotherapy?

If you reach your benefit limit, you won't be able to claim any additional benefits until the policy resets at the end of the calendar year, or on your specific fund’s benefit reset date.  

Can I choose how to spend my benefits under an extras policy?

Some ‘flexible’ health insurance policies allow you to choose how to allocate your benefits across different types of services, such as physiotherapy, dental and optical. These extras policies give you more choice about how you spend your policy benefits over the year. 

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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.

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