What is the best extras cover for physio?

A painful stiff neck, back ache or other muscle pains can be terribly discomforting. Suffering with a condition like this can lead to an inactive lifestyle and often visiting a physiotherapist is one of the only ways to help alleviate the pain. The services offered by a physiotherapist may be used by people from all walks of life including pregnant women, active athletes, and even babies. The question however is, what is the best extras cover to cover your visit to a physiotherapist?

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35*
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35*
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90*
per week
Select

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35*
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35*
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90*
per week
Select

* The price shown is per week and applies to a Single living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate.

Choose your own extras provider.*

*With GMHBA, you have the choice to use any extras provider with professional qualifications recognised by GMHBA.

Available Physio Treatments

Physiotherapy treatment can be expensive considering that some treatments are done repetitively over several sessions. According to The Workers' Compensation Regular Authority (Q-COMP) of Australia, an average consultation can cost from $76 up to $114 for an initial consultation. When visiting the physio you often require subsequent consultations which include reassessments, complex physio assessments, interventions, therapies, exercise programs with hourly charges, education and case review processes which may become very costly. Taking out a reliable health insurance policy that will cover your physio needs is very important. So to make sure you are best covered for some of your out of pocket expenses choose GMHBA Health Insurance.

Physio treatments may include the following:

  • Functional Exercise
  • Massage
  • Taping
  • Heat
  • Dry Needling
  • Postural Correction
  • Manipulation
  • Electrotherapy
  • Mobilisation

If you require more than just the basic treatments make sure your health insurance policy covers your complex physiotherapy needs and understand what the yearly limits are. The requirement of complex physiotherapy is often required for people who have suffered from the following injuries:

  • Severe and extensive burns
  • Chronic pain conditions
  • Acquired brain injuries

The Best Health Insurance Caters Different Types of Physio Care

Some health insurance policies cover all types of physio treatments needed for musculoskeletal, cardiothoracic and neurological illnesses but some do not. When looking at taking out a new policy it is important to understand what is included and covered. If you currently have a policy make sure you ask your insurer a series of questions to ensure that your needs are covered.

Typical conditions that require ongoing physiotherapy treatments are:

  • Musculoskeletal Conditions - Conditions involving your bones, muscles and joints are considered to be musculoskeletal problems. Some of the common conditions are back pains, arthritis, sport injuries, muscle strains, sprains, and bursitis.
  • Cardiothoracic Conditions - This involves cases such as asthma, chronic bronchitis as well as emphysema. It would also be better if your health insurance covers post surgical treatments and rehabilitation if you have undergone thoracic surgery.
  • Neurological Conditions - This refers to people who suffered from stroke, head and spinal injuries, multiple sclerosis and those who have Parkinson's disease. People suffering from such conditions and have undergone rehabilitation may require ongoing physiotherapy treatments.

The Most Common Extras Used by Australians

Physiotherapy services are one of the most claimed extras services offered. In fact, this is one of the most highly sought after extra services requested by most Australians when taking out their private health insurance. It is important to understand that Medicare does not cover any physiotherapy services. This is one of the primary reasons why people are taking out extras cover with their private health insurance company.

Physiotherapy care is in high demand because it relieves pain and discomfort for people who suffer from joint conditions, muscles and nerves pain. It is a service not just used by athletes but also used by people who may suffer from mobility issues especially after a serious illness or an acquired injury. The best health insurance for your physio needs must cover a lot of services. At GMHBA Health Insurance we offer the best extras cover for physio care, remedial massage and other Chiropractic services.

Physio Care Waiting Period

Waiting periods must be checked every time you plan on purchasing a health insurance policy. It can be one of the deciding factors when choosing the best extras cover for you. At GMHBA Health Insurance, physiotherapy treatments come with only a two month waiting period so there is no need to wait several months before you can claim. It is important to note however that any services rendered before this waiting period is completed cannot be claimed.

Wide Coverage for Loyal Customers

Health Insurers offer different types of insurance policies and services depending on the type of policy and level you choose. If you are looking for the best health insurance company which will cover your visits to a physiotherapist and treatments make sure you look at the wide range of polices offered by GMHBA Health Insurance. Having a healthy lifestyle and being active is one of the most important things in life. Having private health insurance gives you the peace of mind that no matter what happens in life you are covered. At GMHBA Health Insurance we offer a range of the best extras cover which will suit your requirements.