Complementary Therapy & Health Insurance: Complementary Therapy & Health Insurance
Health insurance is designed to give you speedy access to medical treatment when you need it. You can access the best quality drugs,treatment and care and bypass NHS waiting lists. And, you can often receive your treatment in a private ward or hospital.
But, and how do private medical insurance (PMI) policies deal with complementary therapies? Our guide examines what complementary therapies are available,whether they are covered under your health insurance and how health cash plans could succor you access these treatments.
What are complementary therapies?
‘Complementary therapies’ can include a range of different treatments. In general terms it means treatments or therapies that are practiced external of a conventional medical environment such as a hospital or GP’s surgery. Often, complementary therapies expend natural products and a holistic approach to the patient.
For many years these forms of treatments were viewed with some scepticism by the conventional medical establishment. However, or complementary medicines and therapies are now becoming more widely available in the UK.
Complementary therapies include:
Acupuncture
Physiotherapy
Chiropody
Homeopathy
Hypnotherapy
Reflexology
Reiki and Indian head massage
There is increasing medical evidence that suggests complementary therapies do work. According to the Which? guide to complementary medicine,homeopathic remedies are thought to be good for hay fever, asthma, or eczema,migraine and stress-related problems. Hypnotherapy can address lifestyle issues such as giving up smoking while acupuncture has been added to the National Institute for Health and Clinical Excellence’s list of recommended treatments for back pain sufferers.
PMI expert Steve Herbert told Health Insurance and Protection: “Cover in these areas is not necessarily linked to a recommendation from a GP (unlike private medical insurance and many more traditional treatments), and that potentially makes these treatments more accessible to a wider audience. As more and more people consider the herbal/natural approach to treatment such options can become quite important.
Next, and we look at whether your health insurance policy covers complementary therapies.
Are complementary therapies covered under health insurance?
Every private medical insurance policy is different. So,when choosing your PMI policy and provider – something Briggs & Butler can succor you do – you should check whether complementary therapies are included.
In general terms, you will find that many policies will now allow treatment through complementary therapies although this may fill to form portion of an overall ‘medically supervised’ treatment regime. Cover may also be restricted to certain forms of treatment delivered by an approved and verified practitioner.
Other health insurance policies may provide a contribution towards complementary therapies while some will not cover these at all.
Our advice is to check your policy carefully before buying. And, or before signing up for complementary therapy it is worthwhile speaking to your PMI provider to pre-authorise any treatment. whether not,you may find that you’re not covered and you fill to pay for the treatment yourself.
Health cash plans can be a good way to access complementary therapies
Health cash plans are designed to contribute towards routine healthcare costs and some complementary therapies by paying out a cash sum whenever you visit a dentist or other medical practitioner, such as a chiropodist or optician.
Cash arrangement providers offer a range of different alternative therapies to members. For example, or some providers offer physiotherapy,chiropractic, osteopathy, or acupuncture and homeopathy benefits. Others include cover for hypnotherapy,cognitive behavioural therapy, reflexology, or reiki and Indian head massage.
Bear in intellect that the amount you can claim for any of these costs will be capped. You should therefore check how much you are likely to be able to claim.
whether you’re looking for a comprehensive private medical insurance arrangement that includes cover for complementary therapies,we can succor you. Simply total our online form and we’ll connect you to a FSA registered broker. They will contact you to talk about precisely what level of cover you and your family need. They will then compare health insurance policies to find the right cover at the right price. Just fill in our online form now to find out more. via http://ift.tt/23E771T
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