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Private Medical Insurance — Explained

What are therapies?

Therapies cover is the part of a private medical insurance (PMI) policy that provides access to treatments designed to support recovery, rehabilitation, pain management, and physical wellbeing.

This commonly includes services such as physiotherapy, osteopathy, chiropractic treatment, and other specialist therapies used to help restore movement, reduce discomfort, and aid recovery after injury or illness.

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WHAT IS IT?

Therapies cover at a glance

Therapies are often used when a condition affects mobility, muscles, joints, or general physical function. They can play an important role in helping people recover from injuries, manage chronic pain, or rehabilitate following surgery.

Depending on the insurer and policy level selected, cover may include physiotherapy, osteopathy, chiropractic treatment, podiatry, acupuncture, or other rehabilitation services.

Some policies allow direct access to therapies without needing a GP referral, while others may require an initial consultation or approval process before treatment begins.

Therapies are commonly delivered on an outpatient basis and are often subject to annual session limits, monetary caps, or approved provider networks depending on the insurer.

Because these treatments are frequently used for ongoing recovery and rehabilitation, the level of therapies cover included can vary significantly between policies.

IN PLAIN ENGLISH

Therapies cover helps pay for treatments such as physiotherapy, osteopathy, and chiropractic care — supporting recovery, rehabilitation, pain management, and mobility without relying solely on NHS services.

How it fits into your policy

Therapies cover usually works alongside outpatient benefits and is often used either before or after more significant medical treatment.

For example, physiotherapy may help diagnose and manage an injury before surgery is considered, or support rehabilitation and recovery following an operation.

Some policies include only basic physiotherapy access, while more comprehensive plans may provide broader therapy options and higher treatment limits.

As therapies are one of the most commonly used PMI benefits, many people place particular importance on having strong rehabilitation and recovery support within their policy.

What's typically included

  • Physiotherapy

  • Osteopathy

  • Chiropractic treatment

  • Acupuncture

  • Podiatry

  • Rehabilitation support

  • Post-surgery recovery treatment

  • Musculoskeletal (MSK) treatment pathways

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