Physio cover you can feel good about

With great benefits back at your choice of physio, HBF extras are a smart move.

What can physiotherapy do for you?

From aches and pains to injuries and mobility disorders, physiotherapy can help treat a wide variety of conditions. Using physical techniques to restore function, reduce pain, and increase movement, physiotherapists work closely with their patients to develop personalised treatment plans to help them move well, feel well, and live well.

Physiotherapy is one of the most commonly claimed extras services. It’s included on all levels of HBF extras cover available for sale, so all you need to do is choose the best fit for you.

What's included in HBF's physio cover?

Conditions managed

  • Muscle and joint pain
  • Sprains and strains
  • Sports injuries
  • Work related injuries
  • Sciatica


  • Injury rehabilitation programs
  • Dry needling
  • Stretches and exercises
  • Movement correction
  • Ergonomic assessments
  • Pelvic floor treatment
  • Lymphoedema management
  • Chronic illness such as arthritis, multiple sclerosis and diabetes

What will I get back?

How does it work?

  1. Sign up online

    Once you have picked an extras product that provides the right level of cover for you, you can sign up online in just a few minutes, or contact us if you'd like to discuss your options.

  2. Serve any applicable waiting periods

    If you are new to private health insurance, you may need to serve waiting periods. If you are changing your level of cover or switching from another fund, waiting periods may apply so please contact us before starting treatment.

  3. Check your benefits and limits

    You can check your physio benefits and annual limits by logging into myHBF or the HBF App. You can see your annual limits at any time, but you will need a service quote from your physiotherapist to complete a benefit quote.

  4. Book an appointment

    You can book an appointment at any physio that is an approved provider with HBF. To see if your provider is covered, call us on 133 423.

Physio Insurance FAQs

How much can I get back?

This will depend on the level of cover you have. After you get a treatment plan from your physio with the item numbers to be provided, give us a call to complete a benefit quote so you know exactly what benefits you are entitled to. Please note that waiting periods and annual limits may apply.

How do I claim?

You’ll generally be able to claim electronically at your physio. Swipe your HBF member card when you pay, and we will pay the provider directly, on the spot. All you will need to pay is the “gap”, which is the difference between what your physio charges and the benefit that HBF pays to your physio on your behalf.

Alternatively, you can pay the physio upfront and submit your accounts and receipts to HBF by one of the following methods:

Get in touch with HBF

We'll help you find our best cover that suits your needs.