Private Health Insurance Fact Sheet

Private Health Insurance and Psychology Services at Little Insights

At Little Insights, we understand that accessing therapy is an important investment in your child and family. If you hold private health insurance, you may be eligible to claim rebates for psychology services, depending on your individual policy.

Eligibility and Coverage

  • Not all private health policies cover psychology, and those that do can vary significantly between insurers.

  • The rebate amount and the number of sessions covered depend on your level of cover and the terms of your policy.

  • We recommend contacting your insurer before your initial session to confirm:

    • Whether psychology services are covered under your policy,

    • The rebate amount per session, and

    • The maximum number of sessions you can claim per year.

Claiming Process

  • Little Insights does not have the ability to process private health insurance claims directly.

  • Families are responsible for lodging their own claims with their insurer.

How it works:

  1. You pay the full session fee to Little Insights on the day of service.

  2. We provide an itemised receipt that includes:
    - Client name
    - Date and duration of session
    - Service description (e.g., “Private Psychology Therapy Appointment 50+ minutes”)
    - Clinician details
    - Fee amount and item description

  3. You submit this receipt to your insurer (via their website, app, or in-branch) to claim your rebate..

Important Medicare Notes

If you are comparing funding options (e.g., Medicare vs. Private Health), please note that Medicare rebates generally offer higher per-session contributions, but require a referral from a GP, psychiatrist, or paediatrician.