What do therapies mean on your private medical insurance?

What is covered under the Therapies section of my Private Medical Insurance?

Most Private Medical Insurance providers offer a therapies benefit.  Cover options are fairly similar regardless of your chosen provider although benefit levels may differ.

The treatments generally included are:

chiropractic treatment
– osteopathy
– acupuncture
– homeopathy

You may find cover for podiatry and a dietician are available however these are not commonplace.

How much cover will I have for therapies if I choose to include this benefit?

Your benefit level will depend entirely on the plan you select. You could have a set limit of say 10 sessions,  a reduced monetary limit or a full cover option. Your premium will reflect your choice of cover.

How can I access these therapies through my private medical insurance policy?

There are a number of ways you will be able to access treatment for therapies and we have listed them below.

Specialist Referral – Your specialist recommends a certain therapy to treat your condition.  This will either be included as part of your selected out-patient limit or included within the therapies benefit. Your claim must be eligible for treatment and you can find out when you pre-authorise your treatment.

GP Referral – Some insurers will allow access for certain therapies via a GP referral. Where this option is offered the insurers usually place a number on the total amount of GP referred sessions they will allow. Again, your claim must be eligible for treatment.

Fast Access Service – Commonly insurers offer their members a range of services for muscle, bone and joint conditions without needing a GP referral.  This means you can obtain a faster diagnosis and access treatment immediately, which in turn can lead to a faster recovery.

How can I find out more about the cover on my Health Insurance?

The team at SMP Healthcare can help you discover the therapy options available. If you have Health Insurance in place and want to know what cover you have, we can explain this to you. For those of you who are new to private medical insurance, we can provide you with information about all of the benefits available including Therapies cover.

Please contact SMP Healthcare Ltd on 01245 929129 for more information. Alternatively you can email us at enquires@smphealthcare.com.