Health Insurance - HSF - Chiropractor?

*Kat*

Am I being completely naive here? I am a dependant on my SO's health insurance through work from September - HSF.

I put in a claim for the chiropractor which I first went to last week @ £60 for 2 adjustments.

Today I get a letter through the mail asking me when I spoke to my GP about this...when the symptoms started and another stupid question. This is from their scheme booklet. Am I missing something? I don't see where it says anything relating to GP or symptoms starting before or anything like that?

I dont want to answer these questions wrong and for them to deny my claim. I go to a fully registered chiropractor. We pay around £40 per month so it's not cheap!

Practitioner: Physiotherapy, Osteopathy, Chiropractic,
Acupuncture, Homoeopathy, Chiropody / Podiatry
The maximum payable between all eligible registered
persons is also between the above six headings. It is not, for
example, £1,000 for each of the six. Claims will only be
accepted with receipted invoices from qualified practitioners.
Contributors and dependants, in their own interests, should
only consult properly qualified practitioners who are
registered with professional organisations which maintain
high standards. The cost of any appliances or medication
supplied or prescribed by the practitioners is not included,
and claims cannot be accepted for prophylactic treatments
or sports massage / therapy. Consultations with Consultant
Podiatric Surgeons (of hospital consultant status) are not
covered under these benefits. These should be claimed under
the Specialist and Investigations category. The cost of
treatment or operative procedures undertaken by these
consultants is not included in any category.
Rules concerning pre-existing conditions do not apply to
Chiropody/Podiatry.

rs65

I am not familiar with your insurer but would've thought that any medical insurance claims start with a visit to your GP.