Private medical insurance
Using Your Aviva Healthcare Policy for Physiotherapy at Bluebell
Aviva Healthcare typically covers physiotherapy for eligible musculoskeletal conditions. Aviva uses a triage service (often the Get Fit Faster pathway) to authorise treatment — call the number on your policy documents to start a claim.
How the Aviva Claims Process Usually Works
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Call the Aviva number on your health insurance policy (usually 0800 158 3333).
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Explain your symptoms — for MSK complaints, Aviva usually authorises physio without a GP referral.
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You'll be given a claim number and a session authorisation.
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Book at Bluebell and share your Aviva membership number and claim reference.
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We invoice Aviva directly. You pay any excess at the first appointment.
Insurer networks and cover rules change over time. Always confirm your current cover directly with Aviva before your first appointment — or call us on 01634 757123 and we'll walk you through it.
Aviva physio: how the route usually works
Aviva physio claims usually start with a call to Aviva rather than the clinic. Use the number on your policy documents, describe your symptoms and ask about physiotherapy for your condition. If treatment is authorised you will be given a claim reference and a number of sessions. Book with us and share your membership number and claim reference so the appointments can be invoiced correctly. Our physiotherapy service page explains what the first appointment involves.
Aviva orthopaedic cover and physiotherapy
Some people search for Aviva orthopaedic cover when they have a joint, back or muscle problem, or when a consultant has suggested surgery. Policy wording and benefit names vary, so ask Aviva which part of your cover applies to physiotherapy, whether there is an excess and whether rehabilitation after an operation is included. If you have had surgery, our post-surgery rehabilitation page explains how physiotherapy follows your surgeon's instructions.
Comparing insured, self-pay and NHS physio
If you are deciding whether to claim, pay yourself or wait for an NHS referral, our guide to private versus NHS physiotherapy compares the routes on referral, waiting and appointment length.
Aviva Physiotherapy — Common Questions
Does Aviva require a GP referral for physio?
Not usually — Aviva's musculoskeletal pathway handles most physiotherapy claims by phone triage. Only certain plan types require a GP letter first.
How many sessions will Aviva approve?
Aviva typically approves 6 sessions initially with extensions available on a short progress note from your physio.
Does Aviva cover shockwave, laser or TECAR therapy?
Aviva covers physiotherapy techniques used as part of a treatment plan for authorised conditions. Ask at pre-authorisation whether shockwave is included for your specific diagnosis.
What about a policy excess?
You pay your excess at your first appointment; Aviva is invoiced for authorised sessions after that.
Is Bluebell Physiotherapy on the Aviva network?
Network status changes over time. Confirm with Aviva or call us on 01634 757123 and we'll help you check before you book.
Can I use Aviva cover for hydrotherapy or shockwave therapy?
It depends on your policy and what Aviva authorises for your condition. Ask Aviva before your appointment and tell us which treatments they have approved.
What should I have ready when I call Aviva?
Your policy or membership number, a short description of the problem and when it started, and our clinic details: Bluebell Physiotherapy, Warren Road, Blue Bell Hill, Chatham ME5 9RD.
Does Aviva orthopaedic cover include physio?
It depends on your policy. Ask Aviva which benefit covers physiotherapy for your condition and whether post-operative rehabilitation is included before you book.
What do I need to bring to an Aviva physio appointment?
Bring your Aviva membership number and claim reference, plus any letters from your GP or consultant that relate to the problem.