Best Health Funds for Chiropractic

Private health insurance helps cover the cost of your health care. With it, you can claim a sum of money (known as a benefit) from your health fund. That money helps cover the cost of your treatment.

getting extras cover to claim physiotherapy and chiropractic

Chiropractic healthcare is popular in Australia, due largely to a good reputation for treating back pain, neck pain, and more. However did you realise that most health insurance policies now allow you to you and your family members to claim treatment from a recognised chiropractor on your health insurance?

Let’s take a more detailed look.

What is chiropractic therapy, and what does it treat?

A chiropractor treats patients by manipulating the spine and joints to address musculoskeletal problems. Treatment can involve manipulation (by hand or instrument), adjusting the body’s position, and much more. One chiropractor describes spinal manipulation treatment as ‘a therapeutic intervention performed on vertebral joints in the spinal column to alleviate pain’.

That’s one of the key aims of chiropractic treatment: to decrease pain and discomfort. One in 5 Australians deal with persistent pain, so any therapy designed to reduce such pain may dramatically improve their quality of life.

According to, chiropractic therapy can treat the following:.

  • back injuries and pain.
  • headaches and migraines.
  • joints issues (e.g. knees, shoulders, extremities).
  • period pain/cramps.
  • posture issues.
  • sciatica (i.e. shooting pains in the leg).

There is research that shows that chiropractic treatment is well placed to treat pain. However, it must be carried out by a professional for it to be effective and safe, and therapies should be restricted to those based on evidence.

Simply put, you should seek out a chiropractor with a good reputation.

When do you need to see a chiropractor?

If you’re finding you have a persistent health issue, see your GP and ask for advice. And then, explore your options from there. You do not need a referral to see a Chiropractor.

selecting health fund extras cover for best chiropractic rebates

How can I claim Chiropractic Treatment on my Health Insurance?

To claim for Chiropractor treatment, you’ll also need an EXTRAS COVER policy that includes chiropractic cover, as it is not covered under the Medicare Benefits Scheme.

Extras Cover

Extras Cover not only covers your for chiropractic, but other popular health services like physiotherapy, massage and osteopathy are usually all covered together.

Extras insurance, also known as general treatment cover or ancillary cover, helps cover the cost of everyday health care services that Medicare doesn’t generally doesn’t pay a benefit towards. These are things like a visit to the dentist, optometrist or physio.


Health Fund

Chiropractor Rebate

Medibank Private Up to $200 annually
BUPA Up to $700/person and $1400/membership (all annually)
HCF Up to $375 annually
NIB Up to $300 annually
HBF  Up to $550 annually
Australian Unity Up to $500 annually
GMHBA Limited Up to $350/person annually –$700/family annually
Health Insurance
Fund of Australia
Up to $1300 in 3 years Up to $350 annually
GUA Health Limited Up to $500 on year 3

If you had a quick look through our website, you’ll see that this type of cover can be pretty good value. Many policies (as of 2017) have waiting periods of only two months before you can start claiming on chiropractic treatment benefits.

( Remember that these waiting periods will differ from product to product.).

Additionally, Aussies can claim several hundred dollars worth of treatment per year (again, this depends on the policy). Read your policy carefully though, as some Health Funds pool complementary health benefits together into one “group limit”.  Therefore as an example, you can only claim $200 in total for physiotherapy, chiropractic, acupuncture, and remedial massage.


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