Do this before you book
Ring your insurer, not us, first. Ask three things: is physiotherapy covered on my policy, do you need a GP referral, and what is my authorisation number. Then check whether your policy carries an excess and whether it has been used this policy year.
- Confirm cover and any GP referral requirement
- Get an authorisation or pre-approval number
- Check your excess and remaining session allowance
- Confirm the clinic is recognised by your insurer
What happens at the clinic
Bring your policy number and authorisation code to the first appointment. Where we can bill your insurer directly, we will. Where the policy requires you to pay and reclaim, we provide itemised invoices with the codes insurers expect.
Session limits and extensions
Most policies authorise an initial block — often around six sessions — then require a progress report before extending. We track this and prompt you before you hit the limit, so treatment is not interrupted mid-plan.
The common reasons claims get rejected
Claims usually fail for administrative reasons rather than clinical ones: treatment started before authorisation, a pre-existing condition exclusion, an unpaid excess, or exceeding the authorised sessions without an extension. All four are avoidable with one phone call up front.
Common questions
Which insurers do you work with?
We see patients covered by the major UK insurers — our insurance section has a page for each explaining that insurer's process.
What if my claim is rejected?
You can continue as a self-funding patient at our standard fees, and we will provide any clinical information your insurer needs for an appeal.
Does a work-based cash plan count?
Cash plans usually reimburse you afterwards rather than paying us directly. Keep your receipts and submit them to the plan.
Can I switch from insured to self-funding mid-course?
Yes, that is common once an authorised block runs out and treatment is nearly finished.