Using Private Health Funds for Physiotherapy

A person holding a cell phone in their hand
A person holding a cell phone in their hand

Understanding how private health insurance works with physiotherapy can feel confusing, but it is generally quite simple once you know the basics.

No referral required

One of the key benefits of accessing physiotherapy through private health insurance is that no referral is required. You can book directly with a physiotherapist without needing to see a GP first, allowing you to begin treatment sooner and manage your condition more efficiently. Our online booking system is quick and easy to use, making it simple to secure an appointment at a time that suits you.

Physiotherapists are highly trained to assess and diagnose most musculoskeletal conditions through a thorough clinical examination. If further investigation or medical input is required, we can provide a detailed letter to your GP to support requests for imaging such as scans or additional interventions.

Appointment availability

We typically have appointments available each week, making it easy to access care when you need it. Availability can change throughout the week, so we recommend checking our online booking system for the most up-to-date times and securing a suitable appointment.

How your cover determines your rebate

If your policy includes extras cover, your health fund will contribute toward the cost of physiotherapy. The rebate depends on your insurer and level of cover, and a gap payment may apply. Annual limits usually apply once your benefits are used.

Rebate amounts and out-of-pocket costs vary across all insurers and policies. If you would like help understanding your expected costs, you are welcome to call our team on 07 5551 6255 and we can check your cover.

Easy claiming with HICAPS

To make things more convenient, we offer on-the-spot claiming through HICAPS. This allows you to claim your rebate immediately after your appointment, meaning you only need to pay the remaining gap on the day. There is no need to submit paperwork or wait for reimbursement.

Accepted Health Funds

We accept all major private health funds, making it easy for you to access physiotherapy regardless of your provider. Our team is experienced in processing claims and can assist you if you have any questions about your cover.

Medibank Provider Choice and selected Provider status

As a Medibank Provider Choice clinic and recognised selected provider, we are able to offer Medibank members the lowest available gap for physiotherapy services under their policy. This reflects our commitment to delivering high-quality care and value, and we are one of the only clinics on the Northern Gold Coast with this level of provider status.

If you are unsure about your cover

If you are unsure what your policy includes, you can contact your health fund for detailed information about your entitlements. You may be able to do this on your insurer's app or website. Alternatively, our team is happy to assist and can help guide you through the process. Email us on info@restorativphysio.com.au or call 07 5551 6255.

Getting started

With no referral required, fast online booking, and simple claiming available, accessing physiotherapy through private health insurance is straightforward. Booking an appointment is the first step toward improving your health and getting back to doing what you enjoy.