Private Health Insurance with Physiotherapy

Many private medical insurance providers cover physiotherapy to improve strength, flexibility, and movement in your muscles and joints after an injury or illness. This practice typically combines ‘hands-on’ treatments like joint mobilisation, manual therapy, massage and acupuncture, with exercises and education for relieving pain and preventing injuries from reoccurring.

Physiotherapy insurance quickly secures the care you need to get moving again without worrying about lengthy NHS waiting lists. However, as all providers offer different levels of cover, it’s important to choose one that meets your personal requirements. That’s why Clarity Health Insurance compare all UK insurance companies including AXA, Vitality and more, to find the best policy for you and your needs.

Get a quote to start comparing or give us a call for free expert advice on physiotherapy insurance.

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Private Health Insurance with Physiotherapy – what’s included

Every insurance provider covers different elements of physiotherapy. These are some of the things you can expect to find in a policy:

  • Face-to-face physiotherapy
  • Virtual physiotherapy (e.g. live video calls and pre-recorded demonstration videos)
  • Telephone assessments
  • Personalised physiotherapy programmes
  • Written resources to support musculoskeletal health

Bear in mind that there may be some exclusions. For example, certain providers won’t offer treatment at your home or cover the costs of specialist equipment recommended by your physiotherapist, such as a TENS machine or orthotics. You will also need to check whether a potential insurer allows you to access any treatment you want to explore, like shockwave therapy. 

Get in touch to discuss your needs and get the most out of your physiotherapy insurance.

Find the Best Physiotherapy Insurance with Clarity Health Insurance

As each individual has unique physiotherapy requirements, there isn’t a clear leader when it comes to the many UK insurance providers that Clarity Health Insurance works with. What works for one person may not be as effective for you. To avoid disappointment when making a claim, you must understand your policy inside out so you know what services you’re eligible for.

Instead of choosing the first company you find, or being swayed by the biggest name, let the team at Clarity Health Insurance compare all your options. Whether you’re seeking insurance for the first time, or you’re switching provider, our experienced professionals are here to offer advice and answer your questions. We’ll make sure you have the very best physiotherapy cover, no matter how much you can afford to spend.

Physiotherapy Coverage for Your Family

If you are over the age of 18, many providers will allow you to add a partner to a joint private health insurance policy that includes physiotherapy cover. For younger members of your family, you may need a different type of coverage, but there are still likely to be options available to protect your whole family. Please contact us for more information.

GP Referrals for Physiotherapy Treatment

Whether you need a GP to refer you for physiotherapy or not depends on your provider. Some allow you to self-refer, but most will need you to be referred by your GP before proceeding. For this reason, it’s worth considering health insurance which includes private GP appointments, so you can bypass NHS waiting lists and see a doctor as soon as possible.

Choose Your Preferred Physiotherapy Clinic

You will usually be able to choose where you want to be treated, enabling you to pick the most convenient location. If there is a provider in your area that you have used previously or have heard good things about from a friend or relative, then you can ask your provider to be referred to them. Your private health insurer will always prioritise finding you the best possible treatment, so you can be certain whoever you are referred to, you will be in good hands.

Physiotherapy Coverage for an Existing Health Condition

If you have an existing condition that requires physiotherapy, it’s likely that it will not be covered in your new private health insurance package. If you have had an injury in the past but it has been successfully treated, then you may be able to get coverage, but you will need to speak with your provider when you get your quote. However, you should be aware that it’s likely that providers will only offer limited cover for pre-existing physiotherapy, if any at all.

The Key Benefits of Physiotherapy Insurance

If you need physiotherapy on the NHS, the waiting time for treatment can mean you are kept off work or unable to live your usual lifestyle. With a maximum waiting time of 18 weeks for non-urgent referrals in the NHS, this can have a big impact on your work and family life, as well as your physical and mental health. After all, something urgent to you may not be seen the same way as an NHS provider.

Physiotherapy insurance through a private healthcare provider means you won’t have to wait a long time to get treatment. You will be given an appointment with the appropriate physiotherapist at a time and location that suits you. So you soon know how long it will take for you to recover from your injury. Something your work and family will surely appreciate knowing.

Choose the Type of Physiotherapy Treatment You Get

If there is a specific type of physiotherapy that you would like to try, such as acupuncture or electrotherapy, then this may be provided by your private health insurer. You may need to undertake an initial assessment by a physiotherapist or doctor to see if your requested treatment will be effective.

Your private health insurer will always try to balance getting you the best, fastest physiotherapy treatment with the type of treatment you desire. If in doubt, you can always speak to your provider for more information on what options you have available.