Cost-Free Treatments:
Use Your Private Health Insurance For Physiotherapy and Massage in London

It’s easy to book via our website with your insurance; select the session with which private health insurance you have.

The appropriate session timings will be linked to each insurance.

You can then book your appointment – at no initial cost.

Once you have booked, you will automatically be sent an SMS with a form for you to enter your policy details: 

• Name of insurer
• Policy Holder Name
• Policy Number
• Authorisation code
• No. of authorised sessions 
• Policy Expiration Date
• Policy Excess

These details are straightforward to acquire from your insurer and must be sent to us before your appointment. If they are not, you will incur the session charge (the self-fund cost, not the health insurer charge).

Yes, many private health insurance policies in the UK can cover physiotherapy treatment. While the NHS offers free healthcare, private physiotherapy may be a quicker option for those looking to avoid long wait times.

Private health insurance can cover some or all of the costs associated with physiotherapy, but it’s important to note that this cover is usually an optional add-on to your policy. Major insurers like AXA, Bupa, WPA, and Cigna offer physiotherapy coverage as part of their outpatient treatments. Be sure to check with your provider and filter policies that cover physiotherapy.

To use private health insurance for physiotherapy, follow these steps:

1. Get a referral: You’ll typically need a referral from a GP or a medical professional.
2. Speak to your insurer: Confirm what your policy covers and ensure the clinic is approved by your insurance provider.
3. Attend your physiotherapy sessions: Your insurer will cover the costs directly, but be aware of any limits on the number of sessions.
4. Claim limits: Many policies have a limit on the number of physiotherapy sessions they cover. Once the limit is reached, any additional sessions will be out-of-pocket.

There are several reasons why your insurance company might not cover the full cost of your physiotherapy treatment. Here are some common situations:

1. Excess payments: Like most insurance policies, you may have an excess amount that needs to be paid. Your insurance provider might require you to pay this directly to us at One Body LDN.
2. Policy limit reached: If you’ve reached your policy limit (e.g. £1000), any treatment sessions that exceed this amount will need to be covered by you.
3. Limited treatment sessions: Some policies limit the number of physiotherapy sessions. If you exceed this limit, you will be responsible for covering the cost of any additional sessions.
4. Multiple appointments on the same day: Some insurance companies may not allow you to have more than one physiotherapy appointment in a single day. If you do, you may need to pay for the second session out of pocket.
5. Lack of authorisation: If you don’t provide the necessary authorisation from your insurance company or employer, you may not be covered for the treatment until this is resolved. In the meantime, you will need to pay for the sessions.
6. Liability for unpaid amounts: If any of the above situations occur, as the patient, you will be liable for any outstanding treatment costs.

Important exclusions: Insurance policies typically cover physiotherapy sessions only. You cannot claim for:

• Missed appointments or cancellations
• Pilates classes or massage appointments
• Running, cycling, ski, or workstation assessments
• Equipment like tape, rollers, or other physiotherapy tools

Always check your insurance policy details or contact your provider to understand what is covered.

Physiotherapy insurance coverage is designed to make physiotherapy treatment more affordable, ensuring individuals can access care without worrying about high costs. It can supplement or replace NHS funding, depending on your situation. For those dealing with musculoskeletal pain, injuries, or conditions like osteoarthritis, physiotherapy can help speed up recovery and improve mobility, helping you return to daily life faster.
Many people have physiotherapy included in their private health insurance, often provided through their employer or a personal policy.

Private health insurance policies can cover a wide range of physiotherapy treatments, including:

• Mobility exercises: Helps improve joint stiffness or movement issues.
• Manipulation therapy: Targets back pain and mobility through controlled pressure.
• Acupuncture: A pain relief technique using fine needles.
• Electrotherapy: Uses electrical currents to treat nerve and muscle issues.
• Massage therapy: Reduces muscle tension and pain through soft tissue manipulation.

The cost of physiotherapy cover depends on your health insurance plan and personal circumstances. Factors affecting the cost include:

• Type of policy: Family plans are more expensive than individual or joint policies.
• Level of cover: Plans with unlimited physiotherapy sessions will be pricier than those with limited cover.
• Medical history: Pre-existing conditions or a history of serious illness can raise premiums.
• Location: Private healthcare costs vary by region, with London being one of the most expensive.

Yes, if you’re using private health insurance to cover your physiotherapy, you must inform your insurance provider before booking. Typically, they’ll provide you with a policy number and an authorisation code, which you’ll need to proceed with your appointment.
Some insurers require a GP referral before issuing an authorisation code, so it’s a good idea to check with them beforehand.

Private health insurance can cover a wide range of physiotherapy treatments. Many insurance providers cover services such as:

• In-person physiotherapy treatments
• Virtual physiotherapy consultations
• Tailored exercise programmes to support recovery
• Telephone assessments
• Written guidance for musculoskeletal care

Be sure to confirm with your insurer if there are any exclusions, such as coverage for home visits or specialist equipment like orthotics or shockwave therapy.

Contact our team to discuss how to get the most from your private health insurance.

This depends on your insurance provider. Some insurers allow self-referral to a physiotherapist, while others require a referral from your GP. To avoid NHS wait times, you may want to consider insurance policies that include private GP appointments, which can make the process faster. At One Body LDN, we can guide you through this process to ensure a seamless experience.

Yes, many private health insurance policies allow you to choose the physiotherapy clinic that suits your needs. At One Body LDN, we are an approved provider for several major insurers, including AXA, Bupa, Cigna, and WPA. This means you can choose a convenient location and receive expert care without compromising quality.

Most private health insurance policies cover physiotherapy, but the level of coverage can vary. Some policies include it as a standard benefit, while others may require you to add it on for an extra cost. Depending on your plan, you can choose unlimited coverage for higher premiums or limited coverage to keep costs down. Limited policies may restrict you to a certain number of sessions or impose a time limit on your cover.

Private health insurance policies typically don’t cover physiotherapy for pre-existing conditions, though some exceptions may apply. Suppose you’ve had successful treatment in the past. In that case, it’s worth discussing with your provider to see if any coverage is available.
At One Body LDN, we recommend contacting your insurer directly to clarify what’s included in your policy, particularly for pre-existing injuries.

Using private health insurance for physiotherapy at One Body LDN offers several benefits:

• No long waiting times: Unlike the NHS, which may require up to 18 weeks for non-urgent physiotherapy referrals, private insurance allows you to get seen quickly.
• Tailored treatment plans: You’ll be seen by experienced physiotherapists who will develop a personalised treatment plan.
• Convenient locations: Book appointments at a time and place that suits you.

With private health insurance, you can return to your daily life and recover faster with a treatment plan designed for your specific needs.

Yes, many private health insurance policies allow you to access a range of physiotherapy treatments, from manual therapy to acupuncture or electrotherapy.
At One Body LDN, we offer a variety of treatments. We can work with your insurance provider to see which ones are covered. An initial assessment with one of our physiotherapists can help determine the most effective treatment for your condition. Be sure to contact your insurer for specific details on treatment coverage.

If you have any further questions, please don’t hesitate to get in touch. We can’t wait to help you get the best out of your health insurance benefits and your body so you can do more of what you love.  

Please contact us by email at info@onebodyldn.com