Private Health Insurance

Most private health insurers provide rebates for osteopathy, although some offer 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 protection 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.

GuildSuper
BioCeuticals
Guild Insurance
Kymdan
Australian Osteopathic Accreditation Council
ESSA
Sleepmaker
Brooks Shoes
Victoria University
National Rural Health Alliance
DVA
Australasian College of Sport & Exercise Physicians
QLD Worksafe
NT Worksafe
Serenity HLP by Regal sleep
SA Worksafe
AHPRA
OPC Health
OBA
MAIB
OIA
MAC SA
Wentworth Advantage
VIVOBAREFOOT
Workcover WA
HICAPS
Member Advantage
NSW SIRA
AHPA
Insurance Commission of WA
Pain Australia
Medicare
Worksafe ACT
VIC Worksafe
FlexEze
Arthritis Australia
Better Pain Management
Health Workforce Australia
London College of Animal Osteopathy
NSW Workcover
TAS Workcover
Associations Forum
MAIC QLD
Cliniko
TAC VIC
SCU
RMIT University