Private Health Insurance

Some Private Health Insurance (PHI) companies cover osteopathic treatment!

However each individual company and policy will be different, in what, how they may cover you and how the bill is to be settled?

Most PHI's will have some sort of excess, which once reached the company will then pay the remaining treatment invoices. Patients will therefore have to be responsible for the amount related to the relevant excess.

Some PHI's will allow you to come directly to the osteopath, some policies will require you to see your GP first to obtain a referral to the osteopath.

Please do not hesitate to ask the osteopath and do let us know at the start of your treatment.

Below is a list of the companies that currently will cover osteopathic fees without any specific requirements:

• AVIVA
• CIGNA
• PRUHEALTH
• SIMPLY HEALTH
• STANDARD LIFE
• WPA

In previous years Bupa have also covered osteopathic treatment, however in 2012, Bupa totally altered their system and approach to osteopathy. This change caused some major problems to many osteopaths in the UK and a very large percentage have chosen not to join Bupa's new network and as such are not recognised by Bupa and their new system. However many patients are still having their fees paid for in a totally haphazard way? Sometimes if you have seen an osteopath before they may still cover you and if you are part of a large group policy this also can work in your favour?

If you are with Bupa do speak to the osteopath for the most up-to-date information and suggestions as how to proceed?

In the last two years AXA PPP have also changed their policy to osteopaths and payment of osteopathic fees. Daryl is now not dealing with Bupa or AXA PPP directly. You can get a receipt for your treatment and present it yourself to your health insurance company. Please do ask for further clarification.