We Now Accept Major Private Health Care Insurance


The Fighting Physiotherapy Clinic is proud to work with major UK insurers including AXA Health, Bupa, Aviva, Vitality, WPA, and more.

We aim to make the process of using your insurance as smooth as possible — from booking your session to managing excess payments. Please be aware that insurers reimburse us at different rates, which may affect session duration and billing structure.

How Insurance Sessions Work

  • Shorter sessions (typically 30 minutes): Your insurer’s contribution usually covers a standard 30-minute session. This is sufficient for assessment and treatment within the limits of your policy.

  • Longer sessions available: If you'd prefer more time, this can be arranged privately and paid for separately. These longer sessions are not claimable through insurance.

  • Direct billing: We will bill your insurer directly for the cost they’ve agreed to cover.

  • Excess payments or shortfalls: If your policy includes an excess or does not fully cover the treatment cost, we will invoice you directly for the outstanding amount.


Steps to Take Before Booking

1. Check Your Cover

  • Confirm that your policy includes physiotherapy.

  • Clarify your treatment allowance:

    • Is there a session limit (e.g. 6 or 10 sessions)?

    • Is there an annual financial cap (e.g. £500/year)?

  • Ask your insurer whether a GP referral is required (some, like Bupa, may request this).

2. Obtain Pre-Authorisation

Most insurers require pre-authorisation for treatment. To get this:

  • Contact your insurer and provide:

    • Your policy or membership number

    • The reason for physiotherapy

    • Our clinic name: The Fighting Physiotherapy Clinic

  • They will issue a pre-authorisation code which you’ll need before we can begin treatment.

3. Understand Your Excess

  • Most insurance policies have an excess — a set amount you must pay out-of-pocket before your insurer covers treatment.

  • If your excess applies, we’ll raise an invoice for that amount separately.

  • You do not need to pay the excess before your first session.

Ongoing Treatment

  • Track how many sessions you’ve used and what your policy allows.

  • If more sessions are needed after your initial authorisation runs out, we can help you request further authorisation from your insurer.

Ready to Book?

Once you've confirmed the following:
✔ Your policy includes physiotherapy
✔ You’ve received your pre-authorisation code
✔ You know your session allowance and excess amount

Please contact our admin team to book your appointment at admin@thefightingphysiotherapyclinic.com

When you get in touch, include:

  • Your insurer’s name

  • Your membership number

  • Your authorisation code

  • Your treatment allowance (sessions or £)

  • Any excess amount (if applicable)

We’ll guide you through the rest and ensure everything is set up correctly for your treatment.