Call us now: 020 7435 4910 · Appointments within 24 to 48 hours
A SMARTPHYSIO physiotherapist assessing a patient in clinic
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Physiotherapy with health insurance

We are registered with most major UK private medical insurers and can invoice them directly, so your treatment starts without paperwork getting in the way.

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  • Registered with most major UK insurers
  • Direct billing, nothing to claim back
  • Self-pay always available
  • Appointments in 24 to 48 hours
Three simple steps

How insurer billing works

Self-pay and claim back, or let us invoice your insurer directly. Either way, treatment starts without delay.

01Check your coverCall your insurer and check your policy covers outpatient physiotherapy. Ask for an authorisation number and how many sessions are approved.
02Send us your detailsGive us your membership and authorisation numbers when you book, or bring them to your first appointment.
03We invoice them directlyWe bill most major UK health insurers directly, so there is nothing to claim back. You only pay any excess or shortfall your policy leaves.
Before your first appointment

Your insurance checklist

Six things to sort out with your insurer before you book, so your claim goes through without a hitch.

  • Check your policy covers physiotherapyLook for outpatient physiotherapy in your policy documents, and check whether a GP referral is required first.
  • Check your policy excessThe excess is the part of any claim you pay yourself. Know the amount before treatment starts.
  • Check the year-end date of your policyClaims and session allowances usually reset at your policy year-end, so it is worth knowing where you are in the year.
  • Call your insurer and explain your conditionWrite down the date and time of the call and the name of the person you spoke to.
  • Get an authorisation or claim numberThis is the number we need in order to invoice your insurer directly for your treatment.
  • Book your appointmentBook online or call us, and give us your membership and authorisation numbers.

The details of each insurance policy differ, so while this is general guidance, you will need to check the details of your own policy for yourself. Not sure about something? Call us on 020 7435 4910 and we will help you work out what to ask.

Private health insurance

We invoice these insurers directly

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Not covered?

Self-pay is just as simple

If your policy does not cover physiotherapy, you can still come to us as a private patient. Fixed fees, published up front, initial assessment £85 in clinic or £160 at home, with treatment included in your first appointment.

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Good to know

Insurance questions, answered

Which insurers do you work with?
We are registered with and recognised by most major UK private medical insurers, including Bupa, AXA Health, WPA, Aviva, Vitality, Nuffield Health, Cigna, Simplyhealth, Westfield Health, Medicash and Benenden Health. We can invoice most of these directly. Vitality is the exception, so Vitality patients pay us and claim the cost back. If yours is not listed, ask us; the list is not exhaustive.
Do I need a GP referral to use my insurance?
Some insurers ask for a GP referral before they will authorise physiotherapy, and others let you self-refer. Check with your insurer when you call them before you book. Self-paying patients never need a referral.
What if my policy leaves an excess or shortfall?
You remain responsible for any excess or shortfall your insurer does not pay, and for any sessions beyond what they authorise. We will always tell you where you are against your authorisation, so nothing comes as a surprise.
Does my insurer pay for missed appointments?
No. Insurers will not pay for missed appointments or appointments rescheduled without sufficient notice, so in line with our cancellation policy you would be responsible for the full fee. Please give us at least 24 hours if you need to move a session.

Let's get you moving again

Tell us about a home visit and we will call you back the same working day, or book a clinic appointment online.

Book clinic appointmentEnquire for home visitsCall 020 7435 4910
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