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Health Insurance For Physiotherapy

Name: Health Insurance For Physiotherapy
Creator: Savvy
Published: 2023-04-14T15:53:37+09:30

Compare quotes for health insurance which cover physiotherapy here through Savvy

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Written by , updated on July 6th, 2023

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For many people, physiotherapy can be an essential part of their healthcare routine, especially if they are dealing with musculoskeletal issues or injuries. That’s why it’s important to find the best private health insurance that covers physiotherapy visits if you do have health issues in this area.

Savvy can help you compare a range of extras health insurance policies that include cover for physiotherapy visits. You’ll be able to consider a range of health insurance quotes side-by-side from a panel of leading insurers. Start the process with us today.

What type of health insurance covers physiotherapy visits?

Physiotherapy is a form of healthcare that treats musculoskeletal issues and injuries. It focuses on restoring and maintaining movement and function in the body and may involve:

Exercise therapy
Manual therapy
Electrotherapy
Heat and cold therapy

Most extras private health insurance policies cover physiotherapy visits. These policies allocate annual benefit limits for different types of treatments and services provided in the community that aren’t covered by Medicare. This means you get a specific amount to spend on various types of healthcare in one financial year, such as:

Physiotherapy
Chiropractic
Optical
Dental
Podiatry
Wellbeing services

The amount of cover you'll receive for each type of treatment offered by an extras policy will depend on the policy you buy and the provider you choose. Extras cover ranges from the cheapest policies offering more minimal cover to more expensive policies which offer comparatively comprehensive benefits.

We can help you compare a range of extras policies by providing free online quotes. Get your extras health insurance needs sorted through Savvy today and access cover for physiotherapy.

How do I compare health insurance policies which cover physiotherapy treatment?

When comparing different extras health insurance policies with physiotherapy coverage, consider the following questions:

Is there cover for services you’ll use? Does the policy include the main healthcare services you frequently use?
Additional healthcare services covered – what other services are covered by the policy besides physiotherapy?
Percentage of treatment cost covered – what percentage of the treatment's cost can you claim back? Are you willing to pay a little more in premiums per month to receive a higher percentage rebate each time you claim?
Benefit limits – what are the benefit limits for each type of treatment? Are there any lifetime limits or yearly benefit limits which apply?
Fund affiliation – are there any affiliated healthcare providers which offer free treatments through a particular fund? For example, is your physiotherapist affiliated with one particular health insurer?
Waiting periods – what waiting periods may apply before you can make a claim on the policy? Will the health fund recognise any previous waiting periods you've already served?
Current special deals – are there any special offers or free deals on extras health insurance, such as waived waiting periods or free weeks of cover currently on offer?

Finding the right health insurance policy for your physiotherapy needs can take some research and careful consideration. However, by comparing different policies and providers and asking the right questions, you may be able to find a policy that offers the coverage and benefits you need to manage your condition and stay healthy through Savvy. By asking yourself these questions, you’ll gain a better understanding of which extras policy may be best suited to your personal health requirements.

Savvy helps make the process of comparing health insurance policies easier by providing access to a range of quotes from a trusted panel of insurers. Start the comparison process through us today.

Types of health insurance

Hospital cover

This can help you pay for medical treatment if you need to be admitted to hospital. It can help cover the cost of your admission or accommodation and the fees charged by doctors, surgeons and anaesthetists. It can also cover other costs associated with a stay in a private hospital.

Extras cover

This helps cover the costs of health care treatments outside a hospital setting which aren’t covered by Medicare. This can include major and minor dental treatment, orthodontics, hearing aids, physiotherapy, glasses, contact lenses and podiatry (in most cases with annual limits).

Cover for singles

This is a standard health insurance policy designed for a single person, rather than being tailored to cater to the needs of a couple or family. It may include hospital cover plus extras, or either of these types of insurance on their own, depending on what you're after for your health cover.

Cover for families

A family health insurance policy is designed for a family unit including dependent children who may reach up to 31 years of age with some insurers. It offers private health insurance suitable for the whole family and may include shared limits for all members included in your policy.

Cover for seniors

A health insurance policy aimed at seniors is designed to appeal to people who are in the second half of their life. These are often specific Silver Plus policies that offer the same cover as other health insurance policies, with the exception that pregnancy and childbirth cover may not be included.

OVHC

Visitors who are in Australia on a temporary basis for travel, work or study may be able to take out Overseas Visitors Health Cover (OVHC). Many visas issued in Australia come with a requirement to take out this type of insurance, which covers visitors who may not be covered by Medicare.

Ambulance cover

Ambulance cover is generally available either packaged into your private health insurance or on its own as a separate policy or subscription. By having this protection, you could be covered for all eligible ambulance travel in Australia (subject to your insurer's terms and conditions).

Basic hospital cover

The cheapest and most barebones form of private hospital insurance, this can include cover for rehab, in-hospital psychiatric services and palliative care. Having this policy will enable you to avoid paying the Medicare Levy Surcharge (MLS) and Lifetime Health Cover (LHC) loading.

Bronze hospital cover

Bronze hospital cover is a step up from basic insurance, including 18 further clinical categories such as ear, nose and throat, bone, joint and muscle, digestive system, joint reconstructions, gynaecology and chemotherapy, radiotherapy and immunotherapy for cancer.

Silver hospital cover

Silver hospital cover is the second-most expensive type of policy and offers the second-most clinical categories. On top of what's offered by basic and bronze cover, it also includes heart and vascular system, lung and chest, blood, hearing device implantation and dental surgery.

Gold hospital cover

The highest level of private hospital insurance available in Australia, gold policies can offer cover for pregnancy and birth, weight loss surgery, assisted reproductive services and insulin pumps on top of all the categories provided by silver, bronze and basic hospital insurance.

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Frequently asked questions about health insurance for physiotherapy

Is physiotherapy covered by Medicare in Australia?

Generally, no. You'll need to have private health insurance extras cover in order to claim benefits for physiotherapy treatments, unless you have a special arrangement with your GP called a Chronic Diseases Management Plan.

Do I need to get permission from my health fund before seeing a physiotherapist?

No – while some health funds may have agreements with specific providers, you usually won't need authorisation from your GP or your health fund before you see a physiotherapist. In most cases, you can self-refer.

What happens if I reach my annual benefit limit for physiotherapy?

If you reach your benefit limit, you won't be able to claim any additional benefits until the policy resets at the end of the calendar year, or on your specific fund’s benefit reset date.

Can I choose how to spend my benefits under an extras policy?

Some ‘flexible’ health insurance policies allow you to choose how to allocate your benefits across different types of services, such as physiotherapy, dental and optical. These extras policies give you more choice about how you spend your policy benefits over the year.

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Helpful health insurance guides

Looking for health insurance to cover your condition or treatment?

Read one of our helpful guides on a range of different ailments and potential hospital or extras treatments to help you find out if they're covered.

Disclaimer:

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Savvy’s comparison service is provided by Compare Club. Compare Club compares selected products from a panel of trusted insurers and does not compare all products in the market.

Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

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