Chiropractic treatment.
For when you're feeling a little sore.

Chiropractic treatment refers to the diagnosis and manipulative treatment of joint misalignments (most commonly of the spinal column) which are believed to cause other disorders by affecting the nerves, muscles and organs. Chiro is one of the most popular services used by HIF members - and the good news is, it's covered on all of our great value Extras Cover options!

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Please read carefully and in conjunction with product factsheets

What does chiro treatment involve?

Chiropractors use a specific type of manipulation called an adjustment to improve many health problems that are related to the skeleton and muscular system. Common areas that can benefit from chiro treatment include knees, shoulders and spinal conditions such as lower back or neck pain, as well as other health problems such as headaches and period pain.

Which HIF Extras policies include chiro?

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

Here's a quick rundown of the benefits you can claim on all of those services each year to keep your body in tip-top condition!

From 1 Jan 2020 we'll be changing the way we pay rebates on physio, chiro and osteo services. Find out more.

Basic cover

Vital Options
$0.71
per day

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- Physiotherapy
  Per person annual limit:
  With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.
  Waiting period: 2 months
  Category: Physiotherapy
- Chiropractic
  Per person annual limit:
  With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.
  Waiting period: 2 months
  Category: Chiropractic
  Please note: Benefits are paid for spinal manipulation or spinal adjustments.
- Osteopathy
  Per person annual limit:
  With Vital Options, you'll receive 50% for each treatment or service until you reach the combined annual limit of $800 per person per policy. The $800 annual limit includes dental, chiro, physio, osteo and emergency ambulance.
  Waiting period: 2 months
  Category: Osteopathy
- Remedial massage
  Not covered.
- Myotherapy
  Not covered.
Saver Options
$0.80
per day

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- Physiotherapy
  Benefit:
  $32 per visit up to a max. 10 visits
  $13 - antenatal
  $13 - hydrotherapy
  $13 - group
  Per person annual limit: $350/year
  Limit per policy: $700/year
  The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.
  A $250 sub-limit applies for antenatal, group and hydrotherapy sessions.
  Waiting period: 2 months
  Category: Physiotherapy
- Chiropractic
  Benefit:
  $26 per visit up to a max. 10 visits
  
  $65 - X-ray (max. 1 per year)
  Per person annual limit: $350/year
  Limit per policy: $700/year
  The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.
  Waiting period: 2 months
  Category: Chiropractic
  Please note: Benefits are paid for spinal manipulation or spinal adjustments.
- Osteopathy
  Benefit:
  $26 per visit up to a max. 10 visits
  Per person annual limit: $350/year
  Limit per policy: $700/year
  The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.
  Waiting period: 2 months
  Category: Osteopathy
- Remedial massage
  Remedial massage is the systematic assessment and treatment of the muscles, tendons, ligaments and connective tissues of the body to assist in rehabilitation, pain and injury management.
  Benefit:
  $15 - visits 1-6
  $10 - visits 7+
  Per person annual limit:
  Up to 3 years: $50/year
  Over 3 years: $100/year
  Limit per policy: $200/year
  The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.
  Waiting period: 2 months
  Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).
- Myotherapy
  Myotherapy is a form of manual therapy which focuses on the assessment, treatment and rehabilitation of musculoskeletal pain and associated pathologies.
  Benefit:
  $15 - visits 1-6
  $10 - visits 7+
  Per person annual limit:
  Up to 3 years: $50/year
  Over 3 years: $100/year
  Limit per policy: $200/year
  The limits detailed above are subject to a combined overall person limit of $350 and a membership limit of $700 for complementary therapies, chiro, dietetics, healthy lifestyle, pharmacy, osteo, physio and podiatry consultations.
  Waiting period: 2 months
  Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).

Medium cover

Simple Options
$1.01
per day

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- Physiotherapy
  Benefit:
  60% of provider fee
  Per person annual limit: $350/year
  Limit per policy: $700/year
  The limits detailed above are subject to a combined overall annual limit of $350 per person per policy and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.
  Waiting period: 2 months
  Category: Physiotherapy
- Chiropractic
  Benefit:
  60% of provider fee
  Per person annual limit: $350/year
  Limit per policy: $700/year
  The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.
  Waiting period: 2 months
  Category: Chiropractic
  Please note: Benefits are paid for spinal manipulation or spinal adjustments.
- Osteopathy
  Benefit:
  60% of provider fee
  Per person annual limit: $350/year
  Limit per policy: $700/year
  The limits detailed above are subject to a combined overall person limit of $350 and membership limit of $700 for complementary therapies, chiro, healthy lifestyle, osteo, physio, pharmacy and podiatry consultations.
  Waiting period: 2 months
  Category: Osteopathy
- Remedial massage
  Remedial massage is the systematic assessment and treatment of the muscles, tendons, ligaments and connective tissues of the body to assist in rehabilitation, pain and injury management.
  Benefit:
  60% of provider fee
  Per person annual limit: $150/year
  Limit per policy: $300/year
  Waiting period: 2 months
  Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).
- Myotherapy
  Myotherapy is a form of manual therapy which focuses on the assessment, treatment and rehabilitation of musculoskeletal pain and associated pathologies.
  Benefit:
  60% of provider fee
  Per person annual limit: $150/year
  Limit per policy: $300/year
  Waiting period: 2 months
  Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).
Special Options
$1.28
per day

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- Physiotherapy
  Benefit:
  $35 per visit up to a max. 10 visits
  $13 - antenatal
  $13 - hydrotherapy
  $13 - group
  Per person annual limit: $450/year
  Limit per policy: $900/year
  The limits detailed above are subject to a combined overall person limit of $450 and a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.
  A $300 sub-limit applies for antenatal, group and hydrotherapy sessions.
  Waiting period: 2 months
  Category: Physiotherapy
- Chiropractic
  Benefit:
  $27.50 per visit up to a max. 10 visits
  
  $70 - X-ray (max. 1 per year)
  Per person annual limit: $450/year
  Limit per policy: $900/year
  The limits detailed above are subject to a combined overall person limit of $450 and membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.
  Waiting period: 2 months
  Category: Chiropractic
  Please note: Benefits are paid for spinal manipulation or spinal adjustments.
- Osteopathy
  Benefit:
  $27.50 per visit up to a max. 10 visits
  Per person annual limit: $450/year
  Limit per policy: $900/year
  The limits detailed above are subject to a combined overall person limit of $450 and membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.
  Waiting period: 2 months
  Category: Osteopathy
- Remedial massage
  Remedial massage is the systematic assessment and treatment of the muscles, tendons, ligaments and connective tissues of the body to assist in rehabilitation, pain and injury management.
  Benefit:
  $16 - visits 1-6
  $11 - visits 7+
  Per person annual limit:
  Up to 3 years: $100/year
  Over 3 years: $200/year
  Limit per policy: $400/year
  The limits detailed above are subject to a combined overall person limit of $450 and a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.
  Waiting period: 2 months
  Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).
- Myotherapy
  Myotherapy is a form of manual therapy which focuses on the assessment, treatment and rehabilitation of musculoskeletal pain and associated pathologies.
  Benefit:
  $16 - visits 1-6
  $11 - visits 7+
  Per person annual limit:
  Up to 3 years: $100/year
  Over 3 years: $200/year
  Limit per policy: $400/year
  The limits detailed above are subject to a combined overall person limit of $450 and a membership limit of $900 for complementary therapies, chiro, osteo, physio and podiatry consultations.
  Waiting period: 2 months
  Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).

Top cover

Super Options
$2.00
per day

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- Physiotherapy
  Benefit:
  $40 per visit up to a max. 12 visits
  $13 - antenatal
  $13 - hydrotherapy
  $13 - group
  
  Per person annual limit:
  Up to 5 years: $900/year
  Over 5 years: $1,100/year
  Limit per policy: No limit
  The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.
  A sub-limit of $450 applies for antenatal, group and hydrotherapy sessions.
  Waiting period: 2 months
  Category: Physiotherapy
- Chiropractic
  Benefit:
  $30 per visit up to a max. 12 visits
  
  $85 - X-ray (max. 1 per year)
  Per person annual limit:
  Up to 3 years: $550/year
  Over 3 years: $650/year
  Limit per policy:
  Up to 3 years: $1,100/year
  Over 3 years: $1,300/year
  The limits detailed above are subject to a combined annual limit for chiro and osteo.
  Waiting period: 2 months
  Category: Chiropractic
  Please note: Benefits are paid for spinal manipulation or spinal adjustments.
- Osteopathy
  Benefit:
  $30 per visit up to a max. 12 visits
  Per person annual limit:
  Up to 3 years: $550/year
  Over 3 years: $650/year
  Limit per policy:
  Up to 3 years: $1,100/year
  Over 3 years: $1,300/year
  The limits detailed above are subject to a combined annual limit for chiro and osteo.
  Waiting period: 2 months
  Category: Osteopathy
- Remedial massage
  Remedial massage is the systematic assessment and treatment of the muscles, tendons, ligaments and connective tissues of the body to assist in rehabilitation, pain and injury management.
  Benefit:
  $20 - visits 1-6
  $13 - visits 7+
  Per person annual limit:
  Up to 3 years: $250/year
  Over 3 years: $350/year
  Limit per policy: $700/year
  Waiting period: 2 months
  Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).
- Myotherapy
  Myotherapy is a form of manual therapy which focuses on the assessment, treatment and rehabilitation of musculoskeletal pain and associated pathologies.
  Benefit:
  $20 - visits 1-6
  $13 - visits 7+
  Per person annual limit:
  Up to 3 years: $250/year
  Over 3 years: $350/year
  Limit per policy: $700/year
  Waiting period: 2 months
  Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).
Premium Options
$2.78
per day

Download Factsheet
- Physiotherapy
  $50 per visit up to a max. 15 visits
  $15 - antenatal
  $15 - hydrotherapy
  $15 - group
  
  Per person annual limit:
  Up to 5 years: $1200/year
  Over 5 years: $1500/year
  Limit per policy: No limit
  The limits detailed above are subject to a combined annual limit for occupational therapy, orthoptics, physio and speech therapy.
  
  A sub-limit of $600 applies for antenatal, group and hydrotherapy sessions.
  Waiting period: 2 months
  Category: Physiotherapy
- Chiropractic
  Benefit:
  $35 per visit up to a max. 15 visits
  $110 - X-ray (max. 1 per year)
  Per person annual limit:
  Up to 3 years: $650/year
  Over 3 years: $750/year
  Limit per policy:
  Up to 3 years: $1,300/year
  Over 3 years: $1,500/year
  The limits detailed above are subject to a combined annual limit for chiro and osteo.
  Waiting period: 2 months
  Category: Chiropractic
  Please note: Benefits are paid for spinal manipulation or spinal adjustments.
- Osteopathy
  Benefit:
  $35 per visit up to a max. 15 visits
  Per person annual limit:
  Up to 3 years: $650/year
  Over 3 years: $750/year
  Limit per policy:
  Up to 3 years: $1,300/year
  Over 3 years: $1,500/year
  The limits detailed above are subject to a combined annual limit for chiro and osteo.
  Waiting period: 2 months
  Category: Osteopathy
- Remedial massage
  Remedial massage is the systematic assessment and treatment of the muscles, tendons, ligaments and connective tissues of the body to assist in rehabilitation, pain and injury management.
  Benefit:
  $25 - visits 1-6
  $17 - visits 7+
  Per person annual limit:
  Up to 3 years: $500/year
  Over 3 years: $600/year
  Limit per policy: No limit
  Waiting period: 2 months
  Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).
- Myotherapy
  Myotherapy is a form of manual therapy which focuses on the assessment, treatment and rehabilitation of musculoskeletal pain and associated pathologies.
  Benefit:
  $25 - visits 1-6
  $17 - visits 7+
  Per person annual limit:
  Up to 3 years: $500/year
  Over 3 years: $600/year
  Limit per policy: No limit
  Waiting period: 2 months
  Category: Complementary Therapies (combined benefit for acupuncture, myotherapy, remedial massage and traditional Chinese medicine).