healthslips.com.au Pty Ltd (healthslips.com.au) has partnered with ItsMy Group Pty Ltd (ItsMy Group) for the provision of health insurance products. By proceeding, you agree that ItsMy Group will use your personal information for the purposes of providing advice to you on health insurance products and assisting you with arranging cover if you decide to proceed with a purchase. Not all policies can be discussed or purchased over the phone. If you click 'Talk to an expert' and our specialists cannot assist with your preferred policy, they will tell you and offer to discuss alternatives or provide you with contact details for your preferred policy.
ItsMy Group and healthslips.com.au will collect, store and use your information in accordance with the ItsMy Group Privacy Policy and the healthslips.com.au Privacy Policy.
The ItsMy Group is a signatory to the Private Health Insurance Intermediaries Code of Conduct.
Physiotherapy is one of the most common treatments Australians claim on private health insurance. In fact, during the April to June 2025 quarter, Aussie insurers paid $131.64 million in physiotherapy benefits. But there are lots of misconceptions about how much you can claim for physio, when your limits reset and how to find the best cover. Here, we help you find the best health insurance for physio in Australia.
Image credit: Shutterstock
What’s the best health insurance for physio?
The best health insurance for physio is the one that best meets your physiotherapy needs while giving you the best value for money. Physiotherapy is included in Extras Cover, but the amount you can claim back depends on the level of cover you choose. Remember: no policy will cover 100% of your physio costs – there’s a limit to the amount you can claim per appointment and an annual limit. For example, you might be able to claim up to $40 per appointment, up to a limit of $500 each year. Some policies have limits as a percentage of the appointment – say, 50% of your treatment costs per appointment – as well as an annual limit.
To work out the best health insurance for physiotherapy, estimate how many appointments you’re likely to need per year, and how much of that cost you’ll be able to claim back on the policy. If your annual premium is higher than the amount you’d be claiming back on physio and other Extras Cover treatments (like dentistry and optical) across a year, the policy may not be good value for you.
Tip:
Most annual limits for physiotherapy reset on 1 January each year, but some Extras Cover policies reset at the start of the financial year (1 July) or the anniversary of when you bought the policy. Check your policy conditions or ask your insurer when your Extras limits reset.
What’s the cheapest health insurance for physio?
Using the healthslips.com.au Calculator, we looked for the cheapest health insurance for physiotherapy for one adult in Queensland. The cheapest was $16.15 per month, with an annual limit of $390 (a limit which applies across physio, exercise physiology and occupational therapy claims). By contrast, the most expensive policy cost $187.30 per month, with an annual limit of $900. Here’s how much you’d get back for physio on those 2 policies:
Policy
Premium per month
Money back for first appointment
Money back for next appointments
Annual limit
Cheapest
$16.15
$27
$24
$390
Most expensive
$187.30
$56
$45
$900
Keep in mind, there may be a waiting period before you can claim physio on a new policy. But if you’re switching to a policy at the same level of cover, you won’t have to serve waiting limits again.
What’s the best health insurance for physio? A sample of Extras Cover policies for one adult in Queensland from cheapest to most expensive, using the healthslips.com.au Calculator in August 2025.
How do I find the best health insurance for physio?
There are literally thousands of health insurance policies in Australia that cover physiotherapy – 11,338 across Australia as at 1 August 2025. With the healthslips.com.au Calculator you can quickly and easily search them all, in minutes, to find the best policy for you. It’s free, unbiased and you don’t have to enter your contact details to get your results. Look for a new Extras Cover policy today, or compare your current policy to others. Make sure you compare what each policy includes to get the best physio cover for you.
healthslips.com.au does not provide general or personalised advice. Your particular circumstances are likely to impact the accuracy, completeness and relevance of the information or results. Take this into account before making a decision and talk to an expert for financial advice.
Trudie McConnochie
Writer and Researcher
Knowledge is power – that’s the guiding principle behind everything Trudie writes, and it’s a philosophy she brings to her work at healthslips.com.au. By breaking down complex information into easy-to-understand blogs and stories, she aims to empower Australians to make the best choices and an informed decision around private health insurance.
Trudie understands firsthand some of the complexity of private health insurance having moved to Australia from New Zealand and having to navigate a vastly different public healthcare system and health insurance structure.
Trudie holds a Bachelor of Communication Studies (journalism major) from the Auckland University of Technology.
