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Insurance Information

Insurance and other things you need to know...

Before an appointment:

  • Bring along any referral letters, scans, reports that you may have.
  • Even though we’ve got lots of clean shorts and t-shirts you’re welcome to bring your own. Be prepared to expose bits of your body, if you’ve got a problem with your shoulder we’ll need to see it!
  • Payment for treatment is required at the end of each session, although we are able to bill Bupa, PPP, Cigna, Aviva & WPA directly. (see below for more Insurance information)
  • Patients with other health insurance policies are asked to reclaim their fees directly from their insurer.

i) If you wish to claim treatment costs on your health insurance, you will need to contact your insurance company directly and they will send you a claim form.
ii) Each insurance policy is different and we advise you to ensure well-in-advance that your treatment is covered.
iii) It’s very important to check whether you need to be referred by a doctor or a consultant before receiving treatment.

If you would like to book your future appointments whilst managing your invoices directly online, please send a blank email to bookings@sixphysio.com and one of our admin team will enable your account.


Bupa, PPP, Cigna, Aviva & WPA Insurance in detail:

We bill Bupa, Bupa International, AXA PPP, AXA PPP International, Cigna, Aviva & WPA directly on your behalf. However please be aware that it is your policy and Six Physio cannot be held responsible for any costs incurred.

Any appointments you undertake prior to advising Six Physio of your wish to use your insurance company OR obtaining your insurance companies approval/full details will be charged to you at the full rate and will not be refundable, in full or in part, once you have approval.

Before you come in for your initial appointment you must present:

  • your up to date membership number and injury pre-authorisation number from your insurance company.
  • your policy limitations (i.e. your excess amount and the amount of money or the number of sessions that has been approved).

From time to time Bupa, Bupa International, AXA PPP, AXA PPP International, Cigna, Aviva or WPA may reject a payment due to the limitations of your policy, meaning that you will need to pay Six Physio directly. In most instances you will need to contact Bupa, AXA PPP, Cigna, Aviva or WPA yourself because of data protection.


Below are some examples why your insurance company may not pay an invoice we have sent on your behalf:

  • as with most kinds of insurance policy you will have an excess. Your insurance company may ask you to pay this excess to Six Physio directly.
  • you may have reached your maximum benefit. If your policy limit is £1000 and the value of your treatment sessions goes over this you will have to pay the outstanding amount.
  • your insurance company may decide to limit the number of treatment sessions you are allowed. If so you will need to pay for all treatment sessions outstanding.
  • your insurance company may not allow you to have 2 appointments on the same day.
  • if you do not present us with the relevant authorisation, or if your employer has to authorise treatment then you may not have this benefit available until it is authorised. If so you will need to pay for all treatment until this is resolved.

If any of the above occur you as the patient, who has received treatment from us, will be liable and expected to cover any outstanding monies.

It is important to note that you can only claim for physiotherapy treatment. You cannot claim for:

  • missed appointments or cancellations,
  • pilates classes or massage appointments,
  • running, cycling, ski or work station assessments,
  • or, tape, rollers or any other equipment.

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