Chiropractic Cover

Help pay for treatment from a chiropractor with Australian Unity.

Claim benefits for eligible chiropractic treatments
Choose your own chiropractor¹
Compare cover options with chiro to suit your needs and budget

¹Provided they are a recognised provider, in private practice.

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Compare Extras Cover with chiropractic benefits

Choose the level of extras cover that matches your chiropractic needs and budget.

Why choose Australian Unity for chiropractic cover?

Freedom to choose your own chiropractor

You are not restricted to a preferred provider network. You can visit a recognised chiropractor in private practice and claim eligible benefits according to your cover.

Flexible cover to match your needs

Choose from a range of Extras options with different benefit levels and annual limits to suit your health needs and budget.

Award winning health insurance

Named Roy Morgan Health Insurer of the Year (Retail) three years running: 2025, 2024 and 2023.

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Chiropractic health cover at a glance

What is chiropractic care?

Chiropractic care focuses on the diagnosis, management and prevention of musculoskeletal conditions affecting areas such as the spine, joints, muscles and nervous system. Treatment plans may include manual therapy, movement advice and education designed to support overall musculoskeletal health.

Does Health Insurance Cover Chiropractic Care?

Yes. Australian Unity offers Extras cover options that include chiropractic benefits.

What does chiropractic cover help pay for?

Chiro benefits may help contribute towards the cost of treatment for:

Back pain
Neck pain
Joint stiffness
Postural concerns
Mobility issues
General musculoskeletal management

Benefits are subject to your level of cover, annual limits, waiting periods and recognised provider requirements.

Is chiropractic care covered by Medicare

Medicare does not generally cover routine chiropractic services, making extras cover the most common way to claim benefits. However, if you meet certain conditions Medicare may help cover a limited number of chiropractic visits. This is typically for people with chronic conditions through a GP Management Plan or Team Care Arrangement. Private health insurance with chiropractic cover can help contribute towards the cost of ongoing chiro treatment beyond Medicare arrangements, up to your cover limits.

	Medicare	Extras cover with chiro
Who can use it	Those with a chronic illness	Members with eligible Extras cover, subject to waiting periods, annual limits and recognised provider requirements.
Other criteria	A number of criteria must be met, including having a chronic condition that has lasted, or is likely to last, at least 6 months and having a formal plan from a GP.	A waiting period applies before you can claim chiropractic benefits. Transfer arrangements may recognise equivalent waiting periods already served.
Benefits	5 sessions	Depends on the cover you have selected e.g. 50% back up to $400

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FAQs

Does Australian Unity health insurance cover chiropractic care?

Yes. Chiropractic benefits are included in Australian Unity products that include Extras cover. The amount you can claim depends on your level of cover, benefit amount, annual limits and remaining benefits.

Is chiropractic care covered by Medicare?

Medicare may cover a limited number of allied health visits, including chiropractic care, through a GP Management Plan for eligible people. If a chiropractic service is eligible to be claimed as an outpatient Medicare service, you cannot also claim a private health insurance benefit for the same service. Ask your provider which claiming pathway applies before the claim is submitted.

How does health insurance with chiropractic cover work?

You pay for treatment and claim benefits according to your cover, limits and eligibility requirements. For example, if your chiropractic consult costs $100 and your cover includes 60% back, you would receive $60 until you reach your annual limit.

Do I need extras cover for chiropractic services?

Yes. In most cases, chiropractic benefits are available through extras cover not hospital cover.

Why take out cover for chiropractic care?

It can help reduce the cost of treatment and support ongoing health and recovery needs.

What chiropractic services does health insurance cover?

Extras cover for chiropractic services can help pay towards the cost of consultations and treatments provided by a registered chiropractor. Benefits are generally paid for eligible chiropractic visits, subject to your level of cover, annual limits and any applicable waiting periods.

Are there waiting periods for chiropractic cover?

Many health insurers apply waiting periods before chiropractic claims can be made. With Australian Unity, a 2 month waiting period generally applies before you can claim chiropractic benefits However, if you're switching from another fund with an equivalent or higher level of cover, you may be able to have your waiting periods recognised, meaning you can claim straight away for services you've already served waiting periods on with your previous insurer.

How much can I claim for chiropractic treatment?

The amount you can claim depends on your level of cover. Most policies have a benefit per visit and an annual limit. For example, if your cover pays 60% back up to $400 per year, and your chiropractic appointment costs $100, you could claim $60 back. Once you reach your annual limit of $400, no further benefits would be payable until your limits reset on 1 January the following year.

Can I claim chiropractic benefits straight away?

A 2 month waiting period applies before you can claim chiropractic benefits. If you transfer from another registered Australian health fund, Australian Unity may recognise equivalent waiting periods already served, subject to transfer rules.

Which health insurance policies include chiropractic cover?

Many of our extras policies include chiropractic services, although benefits and limits vary between products. Find health insurance with chiropractic cover.

What should you look for in chiropractic health cover?

When comparing health insurance for chiropractic treatment, consider:

Benefit per visit – How much you can claim back for each appointment, such as a percentage of the cost or a set dollar amount.
Annual limit – The maximum amount you can claim for chiropractic services each year.
Waiting periods - Whether you need to serve a waiting period before you can claim benefits
Other included services – Chiropractic cover is generally included as part of an extras policy, so it's worth considering the value of other services you may use, such as dental, optical, physiotherapy or remedial massage.

The best chiropractic cover is not necessarily the cheapest policy. Consider your healthcare needs, how often you use chiropractic services, and whether the overall extras cover provides value across the services you use most. Find health insurance with chiropractic cover.

Does health insurance cover treatment from any chiropractor?

Australian Unity gives you the flexibility to choose your own chiropractor, provided they are recognised by Australian Unity for the service being claimed. Other health funds may have preferred provider networks that can influence where members choose to receive treatment.

Who should consider getting private health insurance for chiropractic care?

Chiropractic benefits may be useful if you have ongoing treatment needs, recurring pain or want help with the cost of future appointments.

How many chiropractic visits are covered with Australian Unity Extras?

The number of visits depends on your benefit amount, annual limits and treatment costs.

What's the difference between chiropractic and physiotherapy treatment?

Chiropractic treatment focuses on the diagnosis and management of musculoskeletal conditions, often involving spinal adjustments while physiotherapy focuses on movement, rehabilitation and recovery. Both can help with back, neck and joint pain, but they use different techniques and treatment approaches.

Is chiropractic care considered an allied health service?

Yes. Chiropractic care is generally classified as an allied health service.

Chiropractic Cover

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