Your private health insurance guide to physiotherapy and chiropractors

A man puts his hand on his back

In short

Not sure whether to see a physiotherapist or chiropractor? This guide explains the difference and how Rolling Extras can help with the cost of both services.

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What's the best health insurance for physiotherapy and chiropractors?

Extras, like Police Health's Rolling Extras, is your best choice because it covers some of the cost of regular physio and chiro appointments that Medicare doesn't*. 

Our Rolling Extras is also helpful because; 

  • Physio and chiro often need multiple appointments
  • Any unused benefits roll over from one year to the next through our unique  Rollover Benefit
  • We don’t have a preferred provider network, so you can choose which physio or chiro to go to*

^Combined annual limit is shared with Exercise Physiology

Waiting period: 2 months

Maximum rollover per person: $1,700 combined with Exercise Physiology

Rollover Waiting Period: 12 months

^Combined annual limit is shared with Acupuncture, Osteopathy, and Complementary Therapies. 

Waiting period: 2 months

Maximum rollover per person: $1,400 combined with Acupuncture, Osteopathy, and Complementary Therapies. 

Rollover Waiting Period: 12 months

[Get a quote for Rolling Extras] 

Physiotherapist vs chiropractor: what's the difference?

Physiotherapist Chiropractor 
Focuses on movement, rehabilitation and exercise  Focuses on the spine, joints and musculoskeletal system 
Often prescribes exercises  Often uses spinal and joint manipulation 
Common after injury or surgery Common for back and neck pain

(These are examples only. Always seek medical advice from a health professional before starting any treatment) 

Common reasons people see a physiotherapist or chiropractor

Physiotherapists and chiropractors can both help with musculoskeletal conditions, but they often take different approaches to treatment.  

Here are some common reasons people may choose to see one or both practitioners. 

 

Concern Physiotherapist Chiropractor
Sports injuries  ✓   
Back pain  ✓  ✓ 
Neck pain  ✓  ✓ 
Post-surgery rehab  ✓   
Improving mobility  ✓   
Joint stiffness  ✓  ✓ 

(These are examples only. Always seek medical advice from a health professional before starting any treatment) 

Can you use private health for both?

Yes, with Police Health's Rolling Extras you can. It includes cover for Physiotherapy, Chiropractic and these similar health services; 

  • Acupuncture
  • Osteopathy
  • Complementary Therapies (includes remedial massage)
  • Exercise Physiology (single and group)

Get a quote for Rolling Extras 

*All benefits may be subject to Waiting Periods, Limits and other conditions. Rollover applies once you’ve completed your first 12 months membership. Providers must be recognised by us. More details available on our website. 

The health information in this article is general in nature and should not replace advice from a qualified medical professional. Always consult your doctor or healthcare provider before making decisions about your health or treatment.