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私保通 Private Care+

By limit type · Musculoskeletal Pool

Musculoskeletal combined limit

Physiotherapy, chiropractic and osteopathy share one yearly limit. Whichever you see, it comes out of the same limit. Names and what's included differ by insurer, so check your policy.

  • Several services share one yearly limit
  • Names and what's included vary by insurer
EstimatePhysiotherapysave about $45–70 per visitPrivate health rebate + provider's own pricing

Qualified local care, for less

Musculoskeletal combined limit: roughly how much your cover can save

We list local providers who accept private health cover and whose registration you can check, with prices, how to claim and languages spoken. You compare and choose, without paying more than you need to.

ServiceTypical feeSave about
Physiotherapyper visit$110$45–70
Chiropracticper visit$90$35–55
Osteopathyper visit$110$40–65

Private health rebate + provider's own pricing · Estimated for a typical mid-level Extras policy and provider prices; your policy and provider decide the actual amount · Updated October 2026

  • Only providers who accept private health cover, with registration you can check
  • See prices and how to claim before you book
  • You compare and choose; we don't recommend
See nearby providers who accept private health cover

ExtrasMate is not a medical provider. We don't diagnose or recommend specific practitioners or treatments; we organise and show information so you can choose for yourself. The savings come from your private health rebate and the provider's own pricing, not from coupons we issue.

How to make it go further

You can switch between the three, but it's one limit. Decide which one is your main care, then plan roughly how many visits you'll have in the year.

What this limit usually covers

Your policy decides exactly what's included and how much each pays.

Common questions

Physio, chiro or osteo: which one?
A physio assesses, then uses hands-on care and rehab exercises. A chiro focuses on the spine and joints. An osteo looks at posture, joints and muscles as a whole. All three must be Ahpra-registered. If unsure, ask how they usually approach problems like yours.
Can I see more than one in the same year?
Yes, but they share one limit, so the more you use, the less is left. How much each visit pays and how many visits are covered differ by policy, so check first.
Can I claim on the spot?
If the provider uses HICAPS, swipe your health fund card and pay only the gap. If not, pay in full and claim from your insurer yourself.

Other limit types

What a combined limit is called, what it covers and how much it pays differ by insurer and policy. Your insurer's confirmation is what counts.

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