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私保通 Private Care+

By limit type · Physio Pool

Physio combined limit

Some insurers put physiotherapy and exercise physiology in one yearly limit. Together, the two can only be claimed up to that limit each year. 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

Physio 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
Exercise physiologyper visit$130$45–70

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

The two share one limit: the more physio you claim, the less is left for exercise physiology. If later rehab is mostly exercise, ask about moving to an exercise physiologist and plan how you use the limit.

What this limit usually covers

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

Common questions

How is physio different from exercise physiology?
A physio assesses first, then uses hands-on care and rehab exercises. An exercise physiologist (ESSA-accredited) focuses on exercise programs for rehab and long-term conditions. Many people start with physio and move to exercise physiology later.
Can I use this limit for clinical Pilates?
Clinical Pilates run by a physio is claimed as physio by some insurers. Check how it's billed and what your policy says. Ordinary Pilates classes usually can't be claimed.
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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