Do I need private health insurance for physiotherapy?

theoretica

chris0147 said:

theoretica said:

To work out whether a health cash plan will be worth it for you you will need to estimate how many appointments you will need, and for how long.  Many will need you to be a member for a while before they will pay towards physio for pre-existing conditions, and will only pay half the cost of each appointment.  So they may save you a little if you are having a lot of appointments for a long time, but you will also need to pay quite a lot yourself.

I don't know how many appointments I will have. Can I claim back if I go private health care or it have to be on the NHS?

If they do both, do I have to show them with proof of bank statement before they pay me? 

Are they going to pay me full or half of the costs if I go 12 appointments or more? 

E.g I pay £816 for 12 appointments and the health cash plans pay me £408?? 

If you go NHS you won't have paid anything so won't have anything to claim.  I think you need to go onto some cash health plan websites and read up what they will and won't pay - they will be different. https://www.moneysavingexpert.com/insurance/healthcare-cash-plans/

Sandtree

chris0147 said:

Sandtree said:

chris0147 said:
Does private health care accept health cash plans? 

Do you think if I am better off to get health cash plans or go private?? 

No, with cash plans you pay first and then claim off the policy.

Limits will vary by provider and level of cover, I have a fairly basic policy and it cover up to £200 per year on physio... premiums are effectively circa £75 so £125 up just on physio plus you can claim on dentists, opticians etc too

It wouldn't be an either/or choice... you'd go private and then its option if you buy a cash plan reclaim some of the cost.

If I pay £5 a month, do I have to go to private physio to pay myself then claim off the policy like £90?? 

Can I do this in every 2 months or i can only do this once to claim it back? 

I'm not sure if it is worth it. 

There will be an annual limit plus a percentage of each bill

So as I say with mine you can claim up to 75% of each bill up to £200 per year so the 12 appointments you mention would exhaust the limit after you've paid £266 yourself and the remainder of the fees would be yours alone.

Cash Plans are not a substitute for PMI, they are a very different proposition, but can at least help a little 

csgohan4

NHS has a limit on physio for some areas, our area is only 6 sessions