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Does My Health Insurance Covers My Treatment?


Private health insurance is becoming much more popular across the UK, be that paid for by an individual or paid for as a benefit by the person’s employer. The question is – do you know what it covers and could you actually access treatments and therapies that you didn’t know you could? It is always worth checking the policy itself or giving the provider a call to see what they say.

Having health insurance can be the difference between recovering from an injury, pain or discomfort effectively in a private clinic, or relying on lengthy waiting times through the NHS.

With a health insurance policy depending on its terms and conditions, the policy holder can self-refer or acquire a GP referral. This does cut out time-consuming appointments, creating an easy process for the patient to start their treatment.

Health insurance policy holders can expect the benefit to going straight through to a therapist of their choice to start with their recovery treatment. The amount of sessions provided does depend on the level of cover taken out.

Osteopathy and Physiotherapy is now accepted by most private health insurers and the clinic is recognized by them, including but not limited to: AXAPPP, Aviva, Simply Health, WPA, WHCA, WHA, Cigna, CS Healthcare, Healthshield, Benenden Health, HSF, Medicash, Exeter Family Friendly, General Medical Healthcare, Engage Mutual Assurance, Vitality, Sovereign Health, Westfield, Saga, Secure Health, PRU Health, Standard Life and BUPA International;

For BUPA UK please check with the insurance directly.

Acupuncture is covered by AVIVA, CS Healthcare, Health shield, HSF, Medicash, Bupa cash plan, General& Medical Healthcare, Simply Health, Benenden Health, HSF, and Vitality. For more information, please refer to the following website: www. acupuncture/private healthcare.

Massage: We are aware of the following companies which currently cover Sports/Remedial Massage are: Health shield, UK Healthcare, Westfield Health, Medicash, Simply Health, BUPA International and Benenden Health but again, things do change and you should always check your policy to see that you are covered. The provider will tell you whether you will pay up front and claim the money back or whether they will pay for it.

We can provide receipts/invoices for you to claim back some of the cost of your treatment.

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