Physiotherapy

Physiotherapists diagnose and treat musculoskeletal injuries and other disorders through physical therapy.

They can help people affected by injury, illness or disability regain and maintain movement and physical function.

You might need Physiotherapy if you...

  • Are experiencing pain or stiffness
  • Are recovering from a physical injury, illness or disability
  • Need a treatment plan to help you regain mobility to return to work, sport or daily life
  • Want to help prevent further injury

Things you need to know about Physiotherapy

Limits and benefits
Physiotherapy limits and benefits change depending on your choice of Extras product, the level of cover you choose and how long you’ve been an HBF member.

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Our Saver Flexi Extras, Standard Extras and Premium Extras Plus products, and our Prime Health and Ultimate packages have an annual limit on Physiotherapy.

Our Easy 8 product has a combined annual limit on Physiotherapy. Your combined maximum will be shared with any claims you make on Chiropractic, Natural Therapies, General Dental, Major Dental, Optical, Osteopathy and Remedial Massage services.

Our Young Singles Saver Twin Pack has a combined annual limit on Physiotherapy. Your combined maximum will be shared with any claims you make on Chiropractic, Pharmacy and Podiatry

Our Smart Saver Twin Pack has a combined annual limit on Physiotherapy, but the maximum will be shared with Chiropractic

The Prime Health Package also has a combined annual limit. The maximum will be shared with Chiropractic and Osteopathy.

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Conditions
In order to be covered, your treatment must be carried out by an HBF approved Physiotherapist, engaged solely in private practice.
More information

For more specific information about the limits and benefits covered under each policy, please call us on 133 423.

Waiting period

There is a waiting period of two months for this service.

We will honour waiting periods already served more info

Products that include Physiotherapy cover

Physiotherapy is an Extras service, and is included in the following cover options.

Hospital and Extras Packages

Young Singles Saver Twin Pack
From
$17.70 (i)
per week
  • Initial consultation
    Benefits
    $27
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy, chiropractic, podiatry and pharmacy per year
  • Subsequent consultations
    Benefits
    $21
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy, chiropractic, podiatry and pharmacy per year
  • Group consultations
    Benefits
    $8
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy, chiropractic, podiatry and pharmacy per year
  • Individual consultations by a specialised physiotherapist for Pelvic Floor Physiotherapy - 3 pp per calendar yr
    Benefits
    $48
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy, chiropractic, podiatry and pharmacy per year
  • Individual consultations by a specialised physiotherapist for lymphoedema management - 3 pp per calendar yr
    Benefits
    $48
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy, chiropractic, podiatry and pharmacy per year
Smart Saver Twin Pack
From
$29.35 (i)
per week
  • Initial consultation
    Benefits
    $27
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy & chiropractic
  • Subsequent consultations
    Benefits
    $21
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy & chiropractic
  • Group consultations
    Benefits
    $8
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy & chiropractic
  • Individual consultations by a specialised physiotherapist for Pelvic Floor Physiotherapy - 3 pp per calendar yr
    Benefits
    $48
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy & chiropractic
  • Individual consultations by a specialised physiotherapist for lymphoedema management - 3 pp per calendar yr
    Benefits
    $48
    Waiting Period
    2 months
    Maximums
    $300 combined maximum for physiotherapy & chiropractic
Prime Health Package
From
$44.40 (i)
per week
  • Initial consultation
    Benefits
    $37
    Waiting Period
    2 months
    Maximums
    $1000 combined maximum for chiropractic, osteopathy and physiotherapy
  • Subsequent consultations
    Benefits
    $30
    Waiting Period
    2 months
    Maximums
    $1000 combined maximum for chiropractic, osteopathy and physiotherapy
  • Group consultations
    Benefits
    $8
    Waiting Period
    2 months
    Maximums
    $1000 combined maximum for chiropractic, osteopathy and physiotherapy
  • Individual consultations by a specialised physiotherapist for Pelvic Floor Physiotherapy - 3 pp per calendar yr
    Benefits
    $56
    Waiting Period
    2 months
    Maximums
    $1000 combined maximum for chiropractic, osteopathy and physiotherapy
  • Individual consultations by a specialised physiotherapist for lymphoedema management - 3 pp per calendar yr
    Benefits
    $56
    Waiting Period
    2 months
    Maximums
    $1000 combined maximum for chiropractic, osteopathy and physiotherapy
Ultimate Package
From
$90.55 (i)
per week
  • Initial consultation
    Benefits
    90% back
    Waiting Period
    2 months
    Maximums
    $1100 under 3 yrs $1600 3 yrs and over
  • Subsequent consultations
    Benefits
    90% back
    Waiting Period
    2 months
    Maximums
    $1100 under 3 yrs $1600 3 yrs and over
  • Individual consultations by a specialised physiotherapist for Pelvic Floor Physiotherapy - 3 pp per calendar yr
    Benefits
    90% back
    Waiting Period
    2 months
    Maximums
    $1100 under 3 yrs $1600 3 yrs and over
  • Individual consultations by a specialised physiotherapist for lymphoedema management - 3 pp per calendar yr
    Benefits
    90% back
    Waiting Period
    2 months
    Maximums
    $1100 under 3 yrs $1600 3 yrs and over
This product excludes the following services

Extras Only

Saver Flexi Extras
From
$5.00 (i)
per week
  • Initial consultation
    Benefits
    $27
    Waiting Period
    2 months
    Maximums
    $500 under 1 yr $600 over 1 & up to 2yrs $700 over 2 & up to 3yrs $800 over 3 yrs
  • Subsequent consultations
    Benefits
    $21
    Waiting Period
    2 months
    Maximums
    $500 under 1 yr $600 over 1 & up to 2yrs $700 over 2 & up to 3yrs $800 over 3 yrs
  • Group consultations
    Benefits
    $8
    Waiting Period
    2 months
    Maximums
    $500 under 1 yr $600 over 1 & up to 2yrs $700 over 2 & up to 3yrs $800 over 3 yrs
  • Individual consultations by a specialised physiotherapist for Pelvic Floor Physiotherapy - 3 pp per calendar yr
    Benefits
    $48
    Waiting Period
    2 months
    Maximums
    $500 under 1 yr $600 over 1 & up to 2yrs $700 over 2 & up to 3yrs $800 over 3 yrs
  • Individual consultations by a specialised physiotherapist for lymphoedema management - 3 pp per calendar yr
    Benefits
    $48
    Waiting Period
    2 months
    Maximums
    $500 under 1 yr $600 over 1 & up to 2yrs $700 over 2 & up to 3yrs $800 over 3 yrs
Easy 8
From
$9.15 (i)
per week
  • Initial consultation
    Benefits
    80% back
    Waiting Period
    2 months
    Maximums
    $800 combined maximum for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
  • Subsequent consultations
    Benefits
    80% back
    Waiting Period
    2 months
    Maximums
    $800 combined maximum for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
  • Group consultations
    Benefits
    80% back
    Waiting Period
    2 months
    Maximums
    $800 combined maximum for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
  • Individual consultations by a specialised physiotherapist for Pelvic Floor Physiotherapy - 3 pp per calendar yr
    Benefits
    80% back
    Waiting Period
    2 months
    Maximums
    $800 combined maximum for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
  • Individual consultations by a specialised physiotherapist for lymphoedema management - 3 pp per calendar yr
    Benefits
    80% back
    Waiting Period
    2 months
    Maximums
    $800 combined maximum for chiropractic, natural therapies, general dental, major dental, optical, osteopathy, physiotherapy and remedial massage
Standard Extras
From
$8.05 (i)
per week
  • Initial consultation
    Benefits
    $27
    Waiting Period
    2 months
    Maximums
    $500 under 1 yr $600 over 1 & up to 2yrs $700 over 2 & up to 3yrs $800 over 3 yrs
  • Subsequent consultations
    Benefits
    $21
    Waiting Period
    2 months
    Maximums
    $500 under 1 yr $600 over 1 & up to 2yrs $700 over 2 & up to 3yrs $800 over 3 yrs
  • Group consultations
    Benefits
    $8
    Waiting Period
    2 months
    Maximums
    $500 under 1 yr $600 over 1 & up to 2yrs $700 over 2 & up to 3yrs $800 over 3 yrs
  • Individual consultations by a specialised physiotherapist for Pelvic Floor Physiotherapy - 3 pp per calendar yr
    Benefits
    $48
    Waiting Period
    2 months
    Maximums
    $500 under 1 yr $600 over 1 & up to 2yrs $700 over 2 & up to 3yrs $800 over 3 yrs
  • Individual consultations by a specialised physiotherapist for lymphoedema management - 3 pp per calendar yr
    Benefits
    $48
    Waiting Period
    2 months
    Maximums
    $500 under 1 yr $600 over 1 & up to 2yrs $700 over 2 & up to 3yrs $800 over 3 yrs
Flexi Extras
From
$12.90 (i)
per week
  • Initial consultation
    Benefits
    $39
    Waiting Period
    2 months
    Maximums
    $300 under 1yr $350 over 1yr & up to 2yrs $400 over 2yrs & up to 3yrs $450 over 3yrs and under 4yrs $500 over 4yrs
  • Subsequent consultations
    Benefits
    $32
    Waiting Period
    2 months
    Maximums
    $300 under 1yr $350 over 1yr & up to 2yrs $400 over 2yrs & up to 3yrs $450 over 3yrs and under 4yrs $500 over 4yrs
  • Group consultations
    Benefits
    $14
    Waiting Period
    2 months
    Maximums
    $300 under 1yr $350 over 1yr & up to 2yrs $400 over 2yrs & up to 3yrs $450 over 3yrs and under 4yrs $500 over 4yrs
  • Individual consultations by a specialised physiotherapist for Pelvic Floor Physiotherapy - 3 pp per calendar yr
    Benefits
    $48
    Waiting Period
    2 months
    Maximums
    $300 under 1yr $350 over 1yr & up to 2yrs $400 over 2yrs & up to 3yrs $450 over 3yrs and under 4yrs $500 over 4yrs
  • Individual consultations by a specialised physiotherapist for lymphoedema management - 3 pp per calendar yr
    Benefits
    $48
    Waiting Period
    2 months
    Maximums
    $300 under 1yr $350 over 1yr & up to 2yrs $400 over 2yrs & up to 3yrs $450 over 3yrs and under 4yrs $500 over 4yrs
Premium Extras Mid
From
$12.15 (i)
per week
  • Initial consultation
    Benefits
    $35
    Waiting Period
    2 months
    Maximums
    $600 under 1 yr $700 over 1 & up to 2 yrs $800 over 2 & up to 3 yrs $900 over 3 yrs
  • Subsequent consultations
    Benefits
    $28
    Waiting Period
    2 months
    Maximums
    $600 under 1 yr $700 over 1 & up to 2 yrs $800 over 2 & up to 3 yrs $900 over 3 yrs
  • Group consultations
    Benefits
    $12
    Waiting Period
    2 months
    Maximums
    $600 under 1 yr $700 over 1 & up to 2 yrs $800 over 2 & up to 3 yrs $900 over 3 yrs
  • Individual consultations by a specialised physiotherapist for Pelvic Floor Physiotherapy - 3 pp per calendar yr
    Benefits
    $56
    Waiting Period
    2 months
    Maximums
    $600 under 1 yr $700 over 1 & up to 2 yrs $800 over 2 & up to 3 yrs $900 over 3 yrs
  • Individual consultations by a specialised physiotherapist for lymphoedema management - 3 pp per calendar yr
    Benefits
    $56
    Waiting Period
    2 months
    Maximums
    $600 under 1 yr $700 over 1 & up to 2 yrs $800 over 2 & up to 3 yrs $900 over 3 yrs
Premium Extras Plus
From
$19.15 (i)
per week
  • Initial consultation
    Benefits
    $47
    Waiting Period
    2 months
    Maximums
    $1000 under 1 yr $1100 over 1 & up to 2 yrs $1200 over 2 & up to 3 yrs $1400 over 3 yrs
  • Subsequent consultations
    Benefits
    $39
    Waiting Period
    2 months
    Maximums
    $1000 under 1 yr $1100 over 1 & up to 2 yrs $1200 over 2 & up to 3 yrs $1400 over 3 yrs
  • Group consultations
    Benefits
    $12
    Waiting Period
    2 months
    Maximums
    $1000 under 1 yr $1100 over 1 & up to 2 yrs $1200 over 2 & up to 3 yrs $1400 over 3 yrs
  • Individual consultations by a specialised physiotherapist for Pelvic Floor Physiotherapy - 3 pp per calendar yr
    Benefits
    $64
    Waiting Period
    2 months
    Maximums
    $1000 under 1 yr $1100 over 1 & up to 2 yrs $1200 over 2 & up to 3 yrs $1400 over 3 yrs
  • Individual consultations by a specialised physiotherapist for lymphoedema management - 3 pp per calendar yr
    Benefits
    $64
    Waiting Period
    2 months
    Maximums
    $1000 under 1 yr $1100 over 1 & up to 2 yrs $1200 over 2 & up to 3 yrs $1400 over 3 yrs