Health Funds We Accept

Every Australian health fund, claimed on the spot at reception.

UpPlus Physiotherapy claims through HICAPS, which covers every registered private health fund in Australia. Whichever card you carry, your physiotherapy rebate comes off at reception and you pay only the gap — there is nothing to post and nothing to claim back later.

With Medibank, HCF and nib we hold a preferred provider agreement, which usually means a higher benefit and a smaller gap for their members. Because nib also underwrites Suncorp, AAMI, Apia, GU Health and Qantas health cover, those members generally get the same benefit — even though nothing on the card says nib.

Preferred provider networks

Other funds with a guide

Every other registered fund

These funds are all claimable at reception through HICAPS in exactly the same way. They simply don't have a page of their own yet — if yours is here and you'd like the detail, just ask us when you book.

• UniHealth
• CBHS Corporate Health
• AIA Health Insurance
• ACA Health Benefits Fund
• Health Care Insurance
• Mildura Health Fund
• Reserve Bank Health Society
• Onemedifund
• Union Health
• Hunter Health Insurance
• TAL Health Insurance
• Real Insurance
• Seniors Health Insurance
• rt health (now part of HCF)

How claiming works

• Bring your card. The physical card, or the digital one in your fund's app.
• No referral needed. Physiotherapy is direct access in Australia — you can book straight in.
• We swipe it at reception. Your rebate is deducted immediately.
• You pay the gap by card, on the day.

Not using private health cover?

You don't need private cover to see us. We also treat patients under Medicare care plans, DVA, NDIS and WorkCover, and we see self-funded patients every day. Our payment options page sets out each one.

Questions common to every fund

These three come up whichever card you hold, and the answer is the same either way.