All Categories ​>​ ​Health Insurance ​ > ​ ​Changes to how some optical and physio benefits are paid 2027 ​ > ​ ​Changes to how some physio benefits are paid 2027

What is a First Choice network physiotherapy provider and how do I find one?

The First Choice physiotherapy network includes selected providers who offer eligible members agreed rates* and access to No Gap^ offers on selected treatments. The network already includes more than…

How will we pay physiotherapy claims from 13 January 2027?

From 13 January 2027, the amount you get back for physiotherapy services will vary depending on the provider you visit From 13 January 2027, we’ll use two different ways to work out what you get back…

Could I pay more out-of-pocket costs?

What you pay may vary depending on your physiotherapist’s fee, the service you receive and your level of cover. Your physiotherapy cover and annual limit will stay the same and you can continue to vi…

What if I can’t access a First Choice provider because of my location, disability or another access need?

If you can’t access a First Choice provider because of your location, disability or another access need, you can continue to see any recognised physiotherapy provider in Australia. Please contact us…

Who does this apply to?

This applies to members with selected policies from nib and nib-underwritten brands that include physiotherapy cover, including Qantas Health Insurance, AAMI Health Insurance, Apia Health Insurance,…

When does this start?

From 13 January 2027. Any eligible physiotherapy services you receive before 13 January 2027 will be paid in the same way we do today.

What if I am already undergoing treatment?

If you currently receive physiotherapy treatment from a non-First Choice network provider, you may be eligible for transitional support until 31 March 2027. For transitional support purposes, a treat…

Do I have to switch physiotherapists?

No, you can still visit any recognised physiotherapy provider you like and your annual limit and cover aren't affected. If your preferred physiotherapist isn't part of the First Choice network, you'l…

Will this affect my premium?

No, this doesn't affect your premium. Health insurance premiums are reviewed separately each year. The Australian Government must approve any changes as part of the industry's annual premium review p…

Will this affect my physiotherapy annual limit?

No. The total amount available under your physiotherapy annual limit will stay the same. The amount you get back for each eligible service may vary depending on the service, your level of cover and w…

How will my claim be processed at a non-First Choice network provider?

If your physiotherapist processes your claim for you at the time of treatment, you’ll receive the set benefit for each eligible service. You’ll need to pay any difference between the provider’s fee a…

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