Physiotherapy Insurance

Private Health Insurance with Physiotherapy UK

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Health Insurance with Physiotherapy

Physiotherapy insurance is an optional add-on to your private health insurance in the UK. It helps you cover the costs of physiotherapy treatments, which can be quite expensive. With the rising prices of private physiotherapy, having this insurance makes it easier for you to get the care you need, especially for problems like muscle and joint pain, sports injuries or ongoing health issues.

How it Works

Step 1. Answer a few simple questions

Step 2. Get tailored quote

Step 3. Get covered and start saving

Why Choose Us

We offer completely free and no obligation advice on Private Health Insurance with Physiotherapy Cover. Our experienced advisors will take the stress away from you and do all the hard work to find you the best provider by comparing quotes with the leading providers in the market. We have worked directly with AXA, Aviva, Bupa, and Vitality for over 40 years and have tailor-made the best cancer insurance policy for our customers.

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Most private health insurance providers offer different plans for physiotherapy cover. Some plans might cover up to five treatment sessions each year, while others may offer you unlimited sessions, including access to specialists. Physiotherapy insurance helps you access important healthcare services without worrying too much about the costs. It allows you to prioritise your health and get the treatment you need when you need it.

What Does Physiotherapy Insurance Cover?

Physiotherapy insurance helps cover the cost of treatments with qualified physiotherapists, so you pay less out of pocket. Whether you’re healing from an injury, managing joint or muscle pain, or dealing with movement issues, this type of insurance can support you. For example, it can be useful if you’re an athlete recovering from a sports injury, an older adult managing age-related pain, or anyone struggling with aches in cold or damp weather. 

Physiotherapy can also help if you’ve had surgery and need assistance with recovery.
Many policies give you access to a network of approved physiotherapists and clinics across the UK. This means you can usually find a trusted provider close to home or work. Some policies even allow you to pick your own physiotherapist, so you’re not limited to the insurer’s choices. This flexibility can make it easier to get the care you need in a place that suits you.

With physiotherapy insurance, you can focus more on your health and recovery and worry less about costs. It’s a useful option for anyone needing regular physical therapy support.

How Does Private Physiotherapy Work?

Using private physiotherapy with insurance is usually simple and involves a few important steps.

  1. You will need an initial diagnosis from your GP or another medical professional to confirm that you need physiotherapy. Many insurance providers also offer telehealth consultations, which can help you get a diagnosis more quickly.
  2. Once you have your diagnosis, you will often receive a referral to a physiotherapist who is part of your insurance network. However, some policies allow you to refer yourself to a physiotherapist if you prefer.
  3. When it comes to treatment, your insurance will either cover the cost upfront or reimburse you afterwards, depending on your policy.

Note: Most plans provide a list of approved clinics or they may allow you to choose any licensed physiotherapist you like. This flexibility lets you find the best provider for your needs.

Using physiotherapy health insurance can help you avoid long waiting times with the NHS, allowing you to get treatment sooner. This way, you can effectively manage or recover from your injuries.

Does Health Insurance Cover Physiotherapy?

Most private health insurance policies in the UK offer some level of physiotherapy cover. Insurers provide different levels of cover, with some policies including physiotherapy as a core benefit and others requiring an additional fee. For example, Bupa includes unlimited physiotherapy and mental health support as standard, so you don’t need to pay extra for these benefits. Vitality, on the other hand, offers physiotherapy as an add-on, which may increase your monthly premium by about £10.

You can choose between limited and unlimited physiotherapy sessions. A limited plan is typically more affordable and includes a set number of physiotherapy sessions per year—ideal for those who only need occasional treatment. The unlimited plan provides more comprehensive support, but it comes with a higher monthly premium, making it a better fit if you expect frequent or ongoing treatment.

When you need to claim, your insurer will typically require a diagnosis from a GP or through a medical helpline to approve physiotherapy, ensuring that it’s medically necessary and covered under your plan.

Many health insurance policies cover physiotherapy as a standard benefit. However, it’s important to note that pre-existing conditions, like chronic back pain or arthritis, are often not covered. Coverage generally applies to conditions diagnosed after the policy is purchased.

Be sure to read your insurance documentation to understand coverage limitations. Some policies may only cover physiotherapy as an inpatient benefit following surgery or major medical procedure.

How Much Does Private Physiotherapy Insurance Cost?

The cost of physiotherapy health insurance can vary based on coverage, the insurer, and location. Monthly premiums for physio insurance often range from £20 to £100 per month. Factors influencing the cost include the extent of coverage, the number of sessions covered annually, and any co-pay requirements.

For example, physiotherapy treatment costs in London clinics, such as those on Harley Street, typically range between £60 to £150 per session, with initial consultations costing a bit more. Having physiotherapy insurance UK ensures these costs are either fully or partially covered. Below is a table illustrating London physiotherapy clinic rates:

Clinic NameLocationInitial ConsultationFollow-up Session CostInsurance Accepted
London Harley StreetHarley Street£150£100Most private insurers
Six PhysioVarious£130£90Aviva, Bupa
Pure Sports MedicineBank£140£95AXA, Vitality
Ten Health & FitnessMayfair£125£80AXA, Bupa, Vitality
Physio in the CityCanary Wharf£120£85AXA, Aviva
These prices are accurate as of October 2024.

What Does Physiotherapy Insurance Cover?

Physiotherapy insurance can cover a range of treatments designed to support recovery and manage pain. Coverage may include:

  • Mobility exercises, which help restore movement and strength, especially after surgeries or strokes
  • Massage therapy to loosen tight muscles, improve blood circulation, and treat issues like sports injuries or muscle pain
  • Manipulation therapy, which uses targeted pressure on joints to relieve musculoskeletal pain
  • Acupuncture, involving fine needles to reduce pain or discomfort and promote natural healing
  • Electrotherapy, which provides pain relief through gentle electrical impulses

The specific treatments covered will vary by your health insurer, so it’s important to review your policy to understand your exact physiotherapy benefits, particularly if you need ongoing therapy.

Here is an overview of some of the UK’s top physiotherapy insurance providers, each offering unique benefits to policyholders. If you wonder, “Who is the best health insurance provider for physiotherapy?” consider these options:

  • Offers up to 5 clinical assessments via phone per year.
  • Personalized programs based on needs, including virtual physiotherapy programs with follow-up calls.
  • Covers both in-person and online treatment options.
  • Reimburses up to 60% of physiotherapy expenses.
  • Provides 100% coverage for clients with Bupa Extras at the highest level.
  • Large network of in-network clinics and professionals.
  • Allows access to physiotherapy services without affecting no-claims discount.
  • Health+ policy includes physiotherapy without the need for prior claims.
  • Affordable premiums with flexible coverage options.
  • Offers outpatient physiotherapy coverage.
  • Up to 10 sessions covered per year when referred by AXA’s GP service.
  • Tailored plans for individuals and businesses.
  • Virtual rehabilitation programs and face-to-face treatments.
  • Multiple follow-up treatments covered to ensure long-term results.
  • Option to combine physiotherapy with wellness programs for comprehensive support.

Why Should I Have Health Insurance With Physiotherapy?

Physiotherapy cover gives you peace of mind, knowing that your treatment costs will be taken care of if you experience an injury, pain, or need rehabilitation. It’s especially valuable if you want the flexibility to access private care without worrying about expenses, ensuring you can focus on recovery without financial stress. If you select a plan with sufficient coverage, you’ll be better prepared for any unexpected health needs, making physiotherapy insurance a worthwhile consideration for ongoing health and well-being.

How Can We Help You?

At PremierPMI, we specialise in helping you find the right health insurance policy that meets your needs. As your health insurance broker, we make sure you don’t miss any important details or face any surprises later on. Our friendly team takes the time to understand what you need and walks you through different plans to help you make the best choice. With PremierPMI, you can feel confident that your health insurance will provide the support you need, including important benefits like physiotherapy coverage. Let us help you find a policy that keeps you and your health protected.

Frequently Asked Questions

Yes, most private health insurance policies offer physiotherapy coverage, either as a standard or an add-on feature.


Some policies allow self-referral, while others require a GP recommendation for coverage.

Many insurers provide a list of approved clinics, though some allow you to choose any licensed physiotherapist.

You can typically access care within a few days, especially with private insurance, which helps avoid NHS wait times.

Physiotherapy insurance allows quick access to treatment, covering expenses and providing peace of mind in case of injury or chronic pain.

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