The extra benefits of 2021 – Health Funds

Are you part of the 53.5% of Australian’s who have health insurance extras?

With 2021 coming to an end this month, it’s a time many of us are looking forward to. Before we start planning for the new year ahead, it’s important to remember the benefits that 2021 still has to offer.   

If you are one of the 53.5% of Australian’s who have health insurance extras, then now may be your last chance to claim on these extras before they expire at the end of the year.   

What are these extras?   

While every health fund and policy may vary and have various levels, they often include a range of extras that can be claimed on healthcare services such as physiotherapy, massage or dental. Within these services, you often have a limit that you’re able to claim back on within a year. For example, you may be able to claim up to $600 on physiotherapy each year with your health fund. However, if you have only claimed $400 throughout the year, you can still claim up to $200 before the year finishes. Therefore, you should take advantage of your remaining extras before they are lost and reset at the start of next year. 

So, how do I find out if I have any extras left?   

As each health fund and coverage varies, the best thing you can do is research and familiarise yourself with your policy. You can do this by logging into your account or speaking directly with your insurer on the phone or in-store. Once you find out this information, you’ll be able to have a full understanding of the number of extras you have remaining. Perhaps, you will even discover extras you did not realise you were eligible for! 

Once you have a clearer understanding of your benefits and extras, you’ll be able to take full advantage and treat yourself for the remainder of this year. Whether you have been struggling with your nutrition, a niggle or soreness that hasn’t gone away, now is the time to get it to checked out. Here at Progressive Physio, we’re the team to get you feeling good and refreshed before the new year comes around.   

If you would like further information about our physiotherapy services and want to make the most out of your 2021 extras, contact the team today by calling (02) 4721 7798 or by emailing  

Elin, is an alumni of St. Edward’s University and holder of a Bachelor’s degree in Kinesiology, furthered her academic journey by attaining a Doctor of Physiotherapy from Macquarie University in 2022.

Her passion for sports, particularly football (soccer), is evident in both her academic pursuits and personal endeavors. Specialising in the comprehensive well-being of athletes, Elin focuses on restoring them to peak performance while actively preventing future injuries.

Elin’s professional expertise is centered on musculoskeletal rehabilitation, with a specific emphasis on addressing and preventing knee injuries. Her approach integrates expert treatment with a commitment to educating and empowering patients, fostering their active involvement in enhancing their health and overall quality of life.

As an active participant in NPL football with SD Raiders, Elin brings firsthand experience and a profound understanding of the sport’s demands. Beyond the field, she extends her influence by contributing sports coverage over the weekends.

Christopher (Chris) Han graduated from the University of Sydney with a Bachelor’s Degree in Occupational Therapy, and then completed the Doctor of Physiotherapy program at Macquarie University in 2018. Chris is currently undertaking his PhD at the University of Sydney and Institute for Musculoskeletal Health in the field of low back pain and is due to complete this in early 2024. 

Chris is currently an assistant Physiotherapist for the NRL Referees. Chris has previous experience as the head Physiotherapist at Panthers Premier League Netball and a number of elite sporting athletes in the private setting.

Through Chris’ experiences, he has a particular interest in all areas of the body and musculoskeletal physiotherapy, sports, vestibular rehabilitation, and Men’s Health (pre and post prostate surgery).

Suzanne graduated from Western Sydney University with a Bachelor of Health Science (Sports and Exercise Science) in 2015. She then went on to continue her studies at Macquarie University graduating from the Doctor of Physiotherapy post-graduate degree in June 2019.

Since graduating, Suzanne has worked in the local Penrith area in both private practice and Sports Physiotherapy. Suzanne has worked with sporting teams including Penrith District Netball Association, Mt Druitt Rangers (NPL), Penrith Valley Figure Skating Club, and local dance and cheer schools. 

Suzanne has a particular interest in working with artistic athletes including cheerleaders and dancers. She has a professional background in both cheer and dance and has previously worked as both a cheer coach and dance teacher. Suzanne’s previous experiences are an invaluable resource to her as a physiotherapist, as she has a thorough understanding of the level of physical fitness and skill acquisition that these athletes must have in order to be successful on stage and in competition.

Suzanne’s other areas of clinical interest reside in lower limb musculoskeletal injuries, spinal pathologies and women’s health.

Nathanial graduated as a physiotherapist in 2012 which saw him work in private practice and hospital settings gaining experience in all areas of physiotherapy including hand therapy, splinting/casting, pre/post-operative care, Men’s Health and general musculoskeletal, occupational and sports physiotherapy. Since then he has gone on to complete further studies in physiotherapy enabling him to be the only dual titled Musculoskeletal, Sports and Exercise Physiotherapist in Penrith.

Nathanial has a strong background in sports physiotherapy achieving accreditation with NSWIS as a service provider and working with many elite sports teams.

Nathanial has a particular interest in working with elite athletes, complex cases and in particular assessment and management of knee, hip and shoulder pain.

Andrea graduated from the Australian Catholic University completing her Bachelor of Exercise and Sports Science in 2018 and Master’s of Clinical Exercise Physiology in 2020. After graduating she attained accreditation with ESSA as an Exercise Physiologist.

During her studies she gained clinical experience in both hospital and private practice settings, in cardiac rehabilitation, neurological conditions, cancer and chronic musculoskeletal injuries.

Since working at Progressive, Andrea has a specialist interest in treating musculoskeletal injuries, helping people in the mid-late stage of rehab to get them to return to sport or work. As well as helping people manage chronic conditions such as arthritis, osteoporosis and diabetes.