Physiotherapy treatment
A hands-on approach to pain relief

Physiotherapy uses physical techniques to improve movement, reduce pain and stiffness, speed up the healing process and increase quality of life. Physios are experts in movement and function, working in partnership with their patients by assisting them to overcome movement disorders which may have been present from birth, acquired through accident or injury, or are the result of ageing or life-changing events.

Get a Quote

Download our Health Cover Guide
Please read carefully and in conjunction with product factsheets

What does physio treatment involve?

Physiotherapists uses manual therapies, exercise programs and electrotherapy techniques to treat musculoskeletal conditions (such as sports injuries, back pain or arthritis), neurological conditions (such as stroke, multiple sclerosis and spinal cord injuries) and cardio-thoracic conditions (such as asthma, emphysema and chronic bronchitis).

Which HIF Extras policies include physio?

All of our Extras Cover options include physio. The only difference is the benefits and annual limits you can claim depend on your level of cover. Our Extras range also includes cover for other popular services which can help to soothe your aching bones, joints and muscles, such as chiro and osteo.

Here's a quick rundown of the benefits you can claim on all of those services each year to help keep your body moving.

Basic cover

Basic Extras

Download Factsheet
- Physiotherapy
  Benefit:
  50% of each consultation
  Annual Limit per person:
  $300
  Annual Limit per policy:
  $600
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, chiropractic and osteopathy.
- Chiropractic
  Benefit:
  50% of each consultation
  
  X-ray: 50%
  Annual Limit per person:
  $300
  Annual Limit per policy:
  $600
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, chiropractic and osteopathy.
- Osteopathy
  Benefit:
  50% of each consultation
  Annual Limit per person:
  $300
  Annual Limit per policy:
  $600
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, chiropractic and osteopathy.
Value Extras

Download Factsheet
- Physiotherapy
  Benefit:
  Individual consulatation: $30
  Group, hydrotherapy or antenatal: $15
  
  Annual Limit per person:
  $350
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.
- Chiropractic
  Benefit:
  Individual consultation: $25
  X-ray: $65 - Max 1 per year
  Annual Limit per person:
  $350
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.
- Osteopathy
  Benefit:
  Individual consultation: $25
  Annual Limit per person:
  $350
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and pharmacy.

Medium cover

Simple Extras

Download Factsheet
- Physiotherapy
  Benefit:
  60% of each consultation
  Annual Limit per person:
  $350
  Annual Limit per policy:
  $700
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complimentary therapies and healthy lifestyle).
- Chiropractic
  Benefit:
  60% of each consultation
  
  X-ray: 60%
  Annual Limit per person:
  $350
  Annual Limit per policy:
  $700
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complementary therapies and healthy lifestyle).
- Osteopathy
  Benefit:
  60% of each consultation
  Annual Limit per person:
  $350
  Annual Limit per policy:
  $700
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry, pharmacy, complementary therapies and healthy lifestyle (sub-limits apply for complementary therapies and healthy lifestyle).
Essential Extras

Download Factsheet
- Physiotherapy
  Benefit:
  Individual consulatation: $35
  Group, hydrotherapy or antenatal: $15
  
  Annual Limit per person:
  $400
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.
- Chiropractic
  Benefit:
  Individual consultation: $28
  X-ray: $70 - Max 1 per year
  Annual Limit per person:
  $400
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.
- Osteopathy
  Benefit:
  Individual consultation: $28
  Annual Limit per person:
  $400
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy, exercise physiology, chiropractic, osteopathy, podiatry and dietetics.

Top cover

Advanced Extras

Download Factsheet
- Physiotherapy
  Benefit:
  Individual consulatation: $45
  Group, hydrotherapy or antenatal: $20
  Annual Limit per person:
  $500
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for physiotherapy and exercise physiology.
- Chiropractic
  Benefit:
  Individual consultation: $32
  X-ray: $85 - Max 1 per year
  Annual Limit per person:
  $400
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for chiropractic and osteopathy.
- Osteopathy
  Benefit:
  Individual consultation: $32
  Annual Limit per person:
  $400
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for chiropractic and osteopathy
Top Extras

Download Factsheet
- Physiotherapy
  Benefit:
  Individual consulatation: $50
  Group, hydrotherapy or antenatal: $20
  Annual Limit per person:
  $750
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined limit for physiotherapy and exercise physiology.
- Chiropractic
  Benefit:
  Individual consultation: $40
  X-ray: $110 - Max 1 per year
  Annual Limit per person:
  $550
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for chiropractic and osteopathy.
- Osteopathy
  Benefit:
  Individual consultation: $40
  Annual Limit per person:
  $550
  Annual Limit per policy:
  No limit
  Waiting period:
  2 months
  The above annual limit is combined for chiropractic and osteopathy