What’s the best health insurance for physio? 

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. 

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.  

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: 

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. 

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.

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