At Sundial we have chiropractors and physiotherapists who are recognised by both Bupa and Axa PPP. Both these private health insurers have a restricted list of recognised practitioners in each speciality. To become recognised, there are a number of requirements, including being in practice for more than 5 years and having references from medical consultants. We also have to adhere to strict guidelines on quality assurance, patient satisfaction and probity.
If you are thinking of making a claim on your health insurance for chiropractic or physiotherapy then it’s worth checking your policy to see if there is an excess and to check the limit of the cover. You will then need to call your insurer to get a claim number which you can pass on to us. We can claim your fees back from your insurer directly or you can pay us and can claim back the fees yourself. You may also need to be referred by a GP in order to make a claim. This is usually straightforward and GPs are generally happy to do this.
If you need an MRI scan or an x-ray, this will often be covered as well. Things that aren’t covered include extra services such as massage and products such as nutritional supplements and orthotics.
Most health insurance companies will not accept a claim for pre-existing conditions. If you have back pain that comes and goes, it can be difficult for an insurer to assess whether or not this is a pre-existing condition or whether the back problem completely resolves and each presentation is in fact a new episode. If you have any doubts as to which sort of back pain you have then please get in touch as we may be able to help in providing the insurer with accurate information.
Sometimes an insurer will suggest another practitioner in your area. If, however, a practitioner is on your insurers approved list, you can choose to see who you like. If you have any queries, please give us a call.