If you have a private health insurance policy, it is likely that claims for musculoskeletal (MSK) conditions can be dealt with without a GP referral. If you have a condition affecting your joints, muscles or bones this can affect your quality of life.
The quick treatment of MSK claims can make a big difference for our recovery.
You may need to complete a course of physiotherapy or consultations with a physiotherapist, osteopath or chiropractor. These specialists can help you to manage the pain and alleviate symptoms.
In some cases you may need to be referred to a consultant for diagnostic testing. You may need surgery to fix your musculoskeletal condition for the long term.
You will need to get pre-authorisation from your insurance provider for diagnostics or surgery. It is essential that you do this because you need to know what cover you have on your policy.
Over recent years most of the health insurance providers in the UK have introduced treatment pathways for musculoskeletal conditions. These have worked well, allowing the insured member to call the insurance company directly for any claims relating to aches and pains affecting the joints, bones and muscles. This saves time in waiting for a GP appointment and can get you treated far quicker.