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私保通 Private Care+

Physiotherapy cover in Extras

773 products on sale cover Physiotherapy (89% of all products on sale). Below are waiting periods, benefits per visit and annual limits by insurer.

Government data date: 1 October 2026
Products on sale covering Physiotherapy
773
Most common waiting period
2 months
Initial visit: median benefit
$40
Median annual limit
$450

Physiotherapy cover by insurer

The government publishes benefits for "Initial visit" as the representative item for Physiotherapy. What you actually get back also depends on the provider's fee and your remaining limit.

InsurerProducts on sale covering itWaiting periodInitial visit: benefitAnnual limit
ahm19 of 230–2 months$30–$44 / 50%–70%$200–$1,100
AIA Health103 of 1032 months$40–$45 / 50%–70%$200–$1,200
Australian Unity13 of 132 months$25–$70 / 50%–60%$300–$1,100
Bupa31 of 322 months$37.75–$74.95 / 50%–60%$350–$1,500
GMHBA23 of 232 months$32–$44 / 50%–65%$250–$2,000
HBF8 of 82 months$33–$50 / 50%–70%$200–$1,000
HCF13 of 132 months$38–$60 / 60%$150–$1,200
HCi18 of 182 months$30–$70$175–$750
Health Partners171 of 2552 months$30–$50 / 60%$150–$1,300
HIF13 of 132 months$30–$50 / 50%–60%$300–$900
Hunter Health Insurance44 of 442 months$36–$55$300–$700
Latrobe Health Services7 of 72 months$30–$50 / 60%$250–$550
Medibank19 of 222 months$33.70–$68.40$300–$1,000
Mildura Health Fund5 of 62 months$27–$50$390–$650
nib55 of 562 months50%–75%$150–$750
onemedifund1 of 12 months$60$550
Peoplecare68 of 682 months$40–$59 / 60%$300–$1,000
Phoenix Health Fund45 of 452 months50%–60%$400–$800
Queensland Country Health Fund50 of 502 months$39–$55$400–$1,400
RT Health39 of 392 months$40–$60$350–$550
see-u by HBF4 of 42 months$35 / 50%–60%$200–$300
St Lukes Health16 of 172 months$44–$72$400–$1,000
Westfund8 of 92 months$25–$52 / 50%–60%$300–$600

Many products share the Physiotherapy limit with other services, so claiming one leaves less for the others. Check each product page for details.

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Frequently asked questions

How long is the waiting period for Physiotherapy?
The most common is 2 months among products on sale (range across all products: 0–2 months).
How much does Extras pay for Physiotherapy?
For "Initial visit", products on sale pay up to $25–$74.95 per visit, with a median of $40.
Which insurers cover Physiotherapy?
773 products on sale from 23 insurers cover Physiotherapy: ahm, AIA Health, Australian Unity, Bupa, GMHBA, HBF, HCF, HCi, Health Partners, HIF, Hunter Health Insurance, Latrobe Health Services, Medibank, Mildura Health Fund, nib, onemedifund, Peoplecare, Phoenix Health Fund, Queensland Country Health Fund, RT Health, see-u by HBF, St Lukes Health, Westfund.

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