Extras cover is optional, so the first thing to establish is whether you hold it at all, because many policies include hospital cover only. Even with extras, physiotherapy is not automatically included: allied health services vary between policies, so checking what your specific benefits cover is the necessary first step.
The follow-up question is usually how much comes back, and that depends on the policy too. Some return a percentage of the appointment, others a fixed benefit per visit, and the amount often differs between services on the same policy.
The most reliable way to find out is to contact your insurer directly. Most now have an app showing your cover, which services are included and what you receive for each, which saves a phone call and gives you something you can check again later.
Once you know what your policy returns, the clinic can tell you what the gap for your appointment will be.
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