Using medical insurance for osteopathy

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If you are one of the many people who have private medical insurance either through work or privately, you’ll be pleased to know that osteopathy is often included.

What to check with your medical insurance company

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:

Policy information

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.

Excess Amount

In most cases, your policy will have an excess. As with any other form of insurance, you are responsible for covering the excess.

Year End

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.

Payment Agreements

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.

More information can be found here on the the medical insurance page or by downloading the PDF below.

Sports therapy bookings