Claiming Private Health For Your Chiropractic Care

Can I Claim Chiropractor Cover From my Private Health Insurance?

Innate Chiropractic is registered with all private health funds. Therefore depending on your private health policy cover you will be able to claim for Chiropractic services. Also we provide ‘HICAPS’ facility for easy same day claiming. It is an electronic private health claiming system. This means you will not have to pay the full consultation fee. All you will pay on the day is the gap fee.

Take a look at your extra’s cover with your health insurance and this will tell you the limit and cover amount you have. And if you have recently joined private health make sure you check to see if you have a waiting time period before you can claim.

Please contact us now

Phone – (03) 9466 8831
Make a booking online

Extras Cover

Chiropractors are covered under extra’s cover and not hospital cover. You can check exactly what you are covered for in your policy booklet or by simply calling your health fund. But popular health services like Chiropractic, physiotherapy, massage and osteopathy are usually all covered together. And extra’s cover usually covers the cost of typical health care services used by singles, couples and families that Medicare doesn’t provide any cover for. For example dentists, speech therapy and optometrists.

It is important to check your policy and take note of the claim amounts you are entitled to. Some Health Insurers pool these services together and cover you under a group limit instead of each service having individual cover amounts. Therefore it means you might only be able to claim a yearly limit if $500 in total for Chiropractic care, remedial massage and physiotherapy.

  • Ask if they will waive waiting limits
  • Check whether its a pool group limit or individual 
  • Check the amounts covered in each year
  • Make sure you are covered for the health service you use (eg Chiropractic cover)
  • Shop around – their is a government website that compares cover for you free of charge

Also remember you have the power to shop around and select the cover that best suits your needs. And always check the extra’s covered closely. Especially the limits, waiting periods and amounts covered. In addition if you ask health insurers to waive the waiting limits on the condition of you joining or switching to their cover, they may waive them for you. Which means you can claim with us immediately.


Chiropractor Rebates


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
AAMI Up to $400 annually
Budget Direct Up to $400 annually
Qantas Assure Up to $300 annually
Health Up to $400 annually

*This rebate list is subject to change at any time. Please carefully check any policy before signing up. And we do not provide any advice on which policy is the best for any individual. 

Do I need a Referral to See a Chiropractor?

A referral from your GP is not necessary if you want to see a chiropractor. If you have an extras cover health insurance policy with a private health insurer that includes chiropractic, you will only need to pay the gap fee if there is any or you can pay for the visit out of pocket if you do not have private health insurance.

However, you should be aware that some health insurers have stipulations on their chiropractic cover policies. For example, some private insurers require you to seek approval from the fund before they will cover your health insurance claim for chiropractic therapy. And some might only cover what they consider to be medically necessary chiropractic services. If you’re interested in obtaining extras cover because you plan to seek chiropractic adjustments, you should ask the fund’s representative that you speak with to review all such relevant clauses in the contract with you before you agree to enrol.

Please contact us now.

Phone – (03) 9466 8831
Make a booking online