Private Health Insurance

Most private health insurers provide rebates for osteopathy, although some provide better rebates than others. You should check that your hospital and extras cover meets your needs.

Osteopathy rebates are available under extras cover. There are different levels of cover depending on how much premium you want to pay and what services you might want. Some products give you flexibility about what extras services you want under an annual cap. Others categorise services at different levels depending on the type of cover you purchased.

Some things to consider when buying or reviewing your private health insurance cover:

  • Who needs cover - yourself, you and your partner, your family?

  • What cover do you want  (e.g. hospital, dental, allied health services)? You could choose hospital only, extras only (including osteopathy) or a combination of both.

  • What is covered? You may need to look carefully at what is included and excluded at each level of cover.

  • What are your specific needs? You may have an existing condition, or you might be planning a family, and you will need to consider these when choosing a policy. Your age may also be a factor.

Please note that your osteopath may charge a gap fee (i.e. the difference between the rebate the health insurer offers you and the total amount of the service). If you are not happy with the level of the rebate, then speak to your health insurer, as the osteopath has no control over the rebate the insurer gives you.

The following resources may help you to choose which private health insurance policy suits you best:

Osteopathy Australia Partners

We work with these complementary key organisations as an essential part
of providing high quality healthcare for Australians.

Worksafe ACT
VIC Worksafe
TAC VIC
QLD Worksafe
FlexEze
OIA
SCU
Insurance Commission of WA
DVA
Pain Australia
VIVOBAREFOOT
NT Worksafe
HICAPS
RMIT University
AHPA
NSW Workcover
NSW SIRA
ESSA
Medicare
Better Pain Management
MAIC QLD
MAC SA
Member Advantage
OBA
Victoria University
Red Cross Australia
Brooks Shoes
MAIB
Guild Insurance
Health Workforce Australia
Kymdan
Associations Forum
Workcover WA
SA Worksafe
Physitrack
National Rural Health Alliance
Arthritis Australia
TAS Workcover
AHPRA
AOAC
Wentworth Advantage