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

*Price is based on a single policy in Western Australia with a 24.608% Australian Government Rebate on private health insurance.

Find out more about HIF Extras Cover.

Use the panels below to learn more about our most popular health services.