Clinical Pilates run by a Physiotherapist is rebatable under your private health insurance physiotherapy extras cover. Therefore important things to consider when choosing health insurance extras covers, are the total amount of money your fund offers for physiotherapy per year, the rebated amount per physiotherapy session, and whether this is shared with other modalities (eg. osteopathy, chiropractic, remedial massage). Usually I have found Physiotherapy to have its own cover, independent of other modalities. Some funds also specify ‘group physiotherapy’ to have a lesser yearly amount compared with the main ‘physiotherapy’ cover. Some funds offer a percentage of the session cost as rebate (e.g. 60%, 70%, 80%) based on your level of cover (e.g. the higher you pay for your premiums, the larger the percentage rebated). If this is the case, these funds don’t usually discriminate between ‘group physiotherapy sessions’ and ‘private physiotherapy consultations.’ This means you would have access to the whole amount assigned to Physiotherapy, irrespective of whether you attend a class or a private session. You would simply pay the percentage of the session remaining after your health fund rebated their percentage. Some examples of these funds include NIB, Australian Unity, CBHS. Another thing to consider is whether the fund will allow you to claim your session under a ‘subsequent consultation’ code (505) or whether they restrict Clinical Pilates sessions to only be covered under a ‘group consultation’ code (560). Currently HCF and MBP hold these restrictions, therefore there is a lesser rebate per session. You can also choose to take out a different insurance fund policy for hospital cover than that for extras cover. Ultimately, choosing your health cover comes down to your preferences, and what other modalities are offered that you are likely to use.