Can you use private health insurance for osteopathy?
Yes. We are recognised by insurers including Aviva, AXA PPP Healthcare, Cigna, Vitality and WPA.
Medical Insurance companies often include Osteopathy within their list of covered therapies. Before booking your treatment, you should contact your medical insurance company and ensure you are familiar with your unique policy and whether or not your treatment could be covered. Please be sure to check the following:
You will have a Membership number and a Claim Reference number. Please make a note of these and bring them with you to your appointment where we will be keep them on file.
Maximum Treatment Amount
An insurance policy will usually state that you have an amount of money to spend on various treatments throughout the year.
In most cases, your policy will have an excess. As with any other form of insurance, you are responsible for covering the cost of the excess.
Insurance policies often don’t follow a standard calendar year. If your policy allows a designated amount of sessions or is capped at a maximum amount it is useful to know when your year ends and the next starts as you may then have to start again and make a new claim.
Two of the main insurers, AXA PPP and BUPA, cap their payments to therapists. This is based on a “National Average”. Your Osteopath (or Sports Massage therapist) will know about this and should inform you of any payment quirks BEFORE treatment commences.
You will need a receipt from us so that you can claim back the cost of your osteopathic treatment (in line with your insurer’s guidelines).
If you think you may be eligible to use your health insurance to claim for your treatment, we’d be happy to have a chat with you and double check.
Please note that some healthcare insurers will require a referral from your General Practitioner before treatment begins.