Insurance
Frequently Asked Questions
Using Private Health Insurance at Nottingham Chiropractor
Can I claim for chiropractic care on my insurance?
Yes. Chiropractic care is often covered by private health insurers like Bupa, AXA Health, Aviva, Vitality, WPA, and others. Coverage may depend on whether you have a referral or if your condition is classed as musculoskeletal.
Is shockwave therapy covered by private medical insurance?
Coverage for shockwave therapy varies between insurance providers and policies. Some insurers do include it when it’s provided as part of a chiropractic treatment plan and deemed clinically necessary. We recommend contacting your insurer directly to confirm whether shockwave therapy is included in your cover.
Do I need a GP referral to claim for treatment?
Some insurance providers require a GP or consultant referral before authorising treatment. Others allow you to self-refer. It’s best to contact your insurer first — we can also advise you on what’s typically needed. For private chiropractic treatment, a GP or consultant referral is not required.
What’s the difference between a cash plan and full medical insurance?
If you have a cash plan (e.g. SimplyHealth, Westfield), you typically pay for treatment upfront and claim a portion back. Full private medical insurance usually covers treatment costs directly, but may require authorisation in advance.
How do I make a claim for chiropractic or shockwave therapy?
For most insurers, you’ll need to call your provider to get a pre-authorisation code before your first visit. Bring this with you, and we’ll invoice the insurer directly. For cash plans, we’ll provide a receipt for you to submit your claim.
Do I have to pay anything upfront?
This depends on your policy. Some plans include an excess or co-insurance, meaning you’ll need to pay a portion yourself. We’ll let you know if any costs apply and ensure there are no surprises.
Are you a registered provider with Bupa / AXA / Vitality / Aviva?
Yes — we are registered with many major UK insurers. If you're unsure whether your provider works with us, feel free to get in touch. We’re happy to confirm and help guide you through the process.
What conditions can I use my insurance for?
Insurance cover varies depending on your provider and policy. Many plans include treatment for musculoskeletal issues such as back pain, neck pain, joint pain, and tendon-related injuries (like plantar fasciitis or tennis elbow). However, the best way to confirm what’s included is to call your insurer directly. We can support your claim by providing clinical details once treatment has been authorised.
Will my insurance cover ongoing or maintenance care?
Most policies cover care that is deemed medically necessary. Long-term or maintenance care may not be included unless it's tied to an acute episode. We can help document your treatment plan appropriately for insurance purposes.
