Health insurance guide
Health insurance provides medical care quickly and saves you facing NHS queues or bureaucracy.
While it’s often necessary to recover properly from an injury, physiotherapy is an expensive proposition. Private health insurance can help with the load
Physiotherapy is a type of medical treatment that helps restore movement and physical functionality to people suffering or recovering from illness, injury or disability. It’s one of the main types of healthcare people use private health insurance to pay for.
Most health insurers offer physiotherapy cover as standard in their policy, though others will require you to pay for it as an added benefit. For a higher monthly premium you can opt to choose unlimited cover, or you can have your cover capped to keep the cost of your premiums down. The latter option will limit you either to a fixed number of sessions per year or a fixed amount of cover (e.g. up to £1,000 cover per year).
When you make a claim on your policy, your health insurer will need to diagnose you in order to understand the cause of your injury and illness. This could be via a GP or a medical helpline, and once approved you will be referred for physiotherapy treatment, which will be covered by your insurer.
As will all health insurance policies, if you have a pre-existing condition when you buy the insurance policy, you will not be covered for that condition. As with all private medical insurance, you are only for conditions you develop after you take the policy out. It is also a wise idea to read your policy documents carefully so you understand what the policy does and doesn’t cover.
Most private medical insurance policies offer physiotherapy as in-patient cover – i.e. after an operation, treatment or procedure.
Physiotherapy can include a variety of healthcare treatments including but not limited to the following;
Some insurers allow you to pick any physiotherapist you prefer, but most will have a list of recognised practitioners who you can choose from. It is important to speak to your insurer before you proceed with any treatment so that you know you will be covered.
Depending on when and how your condition is diagnosed, you can see a physiotherapy straight away and avoid NHS waiting lists, which can be up to 18 weeks from when you are referred.
The cost of physiotherapy will depend on your specific circumstances. Family policies that include physiotherapy are more expensive than individual or joint policies. Your requirements will also affect the cost of physiotherapy cover; if you choose unlimited cover it will be more expensive than limited cover.
Full, unlimited physiotherapy is expensive but there are ways to reduce the cost of your policy. You can select different options when choosing your policy and do consider the following;