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Private Health Insurance

Some private health insurers provide cover for acupuncture on their policies. The level at which they can support your treatment varies. Below is a list of insurers and what level of cover for acupuncture they provide at this point in time. This list does get updated when new changes take place with each insurers' policy accommodating acupuncture treatment.


Company Website Contact
Number
Cover for acupuncture treatment? Policies Conditions/criteria
Aviva Healthcare www.aviva.co.uk 0800 0511524 Yes Some policies
  • GP referral or specialist referred only.
  • Each acupuncturist has to register individually, forms available on website.
  • Deal with queries on a case-by-case basis.
AXA PPP www.axappphealthcare.co.uk 08007831279
01892772216
specialist recognition
Yes All policies (under complementary medicine)
  • GP referral or specialist referred only.
  • BMAS only.
Benenden Healthcare Society www.benenden.org.uk 08450525733 Yes Health Cash plan only
  • Self referral ok.
  • Each claim is analysed on an individual basis and if the practitioner holds a relevant qualification, they would pay the claim (this would be done on a case by case basis).
Birmingham Hospital Saturday Fund www.bhsf.co.uk 0800622552 Yes ¾ of all policies
  • Self referral.
  • BMAS and BAcC members only.
Bupa www.bupa.co.uk 0800600500

08456005422
provider management
Yes Discretionary benefit on some policies: policy specific
  • no cover for pre-existing conditions
  • no cover for long-term and/or chronic conditions - acute flare-ups only
Cigna www.cigna.co.uk 01475492222 Yes Some policies, on a case-by-case basis
  • specialist referral only
  • BAcC
  • practitioner has to register, form available on website (www.cigna.co.uk/healthcareproviders)
  • prior approval should be sought for any treatment
  • level of cover will depend on policy
CS Healthcare www.cshealthcare.co.uk 08009174325 Yes Some policies, depending on module chosen (therapy and care)
  • GP referral or specialist referred only
  • BAcC or AACP members
Engage Mutual Assurance www.engagemutual.com 08001694321 Yes Health Cash Plan
  • GP referral only
  • Each claim is analysed on an individual basis and if the practitioner holds a relevant qualification, they would pay the claim on a case by case basis
Exeter Family Friendly www.secure.exeterfamily.co.uk 03001233200 Yes Four out of five policies
  • GP referral or specialist referred only – no self referral
  • practitioner has to register - form available on website – and they check qualifications
  • no list of providers available
General &Medical Healthcare www.generalandmedical.com 08009709442 Yes All policies, but  limited benefit
  • GP referral or specialist referred only
  • must be accredited by a governing body but no list of providers available
Groupama Healthcare www.groupamahealthcare.co.uk 03336339001 Yes All policies
  • GP referral only
  • Must be BAcC member
Healthshield www.healthshield.co.uk 01270588555 Yes All policies
  • Self or GP referral
  • BAcC, BMAs or ATCM
HSF www.hsf.co.uk 02072021380 Yes All policies
  • no referral required
  • BAcC member or TCM practitioner
  • no requirement to belong to any particular association but practitioner must send copy of qualification with receipt
Medicash www.medicash.org 08000112222 Yes All
  • self-referral ok
  • practitioner must be registered with professional body such as BAcC, AACP and BMAS, ie qualified and insured
National Friendly www.nationalfriendly.co.uk 08001959246 Yes All policies
  • GP referral or specialist referred only
  • BAcC members accepted
  • no list of providers available
PHSA www.phsa.org.uk 01234267371 Yes Healthcare cash policy only
  • GP referral or specialist referred only
  • BMAS or BAcC members only
Pru Health www.pruhealth.co.uk 08456023461 Yes Some policies
  • GP referral or specialist referred only
  • BAcC, AACP or BMAS members
Sovereign Health Care www.sovereignhealthcare.co.uk 08006785605 Yes Health cash plans
  • Self referral ok
  • Will pay for half of the treatment, the total amount paid depending on the level of cover
Simply Health ( includes BCWA , Leeds Hospital Fund and Medisure) www.simplyhealth.co.uk
0800 294 7302 0800854929 providerservices
@simplyhealth.co.uk
Yes, but depends on  policy Depends on the policy - too many to list
  • GP referral only
  • AACP, BAcC, ATCM and BMAS only
Universal Provident www.universalprovident.co.uk 08448730902 Yes Depends on the policy chosen
  • GP referral only ( but check with claims department first)
  • ‘Fully medical underwritten’ option, so previous conditions could be covered
  • BAcC and BMAS
  • Most policies provide a limited benefit (usually up to a maximum of £500 per year) for acupuncture, which is intended to cure an acute condition
Westfield www.westfieldhealth.com 08456056531 Yes Most policies
  • GP referral only
  • BAcC or BMAS members only
WHA www.whahealthcare.co.uk 02920485461 Yes All policies
  • self-referral but for medical conditions only
  • no cover for pre-existing conditions
  • Practitioners must have proper qualification and insurance
WPA www.wpa.org.uk 08002989588 Yes accepts acupuncture on most policies (therapy benefit optional)
  • GP referrals only
  • no cover for pre-existing conditions
  • BAcC and BMAS members only

Insurance companies: policies underwritten by other companies


Company

Website

Contact
Number
Cover for acupuncture treatment? Policies Conditions/criteria
Health-on-Line www.health-on-line.co.uk 01202544445 Yes Some policies, up to £1000 per year - only if option 3 – therapies had been chosen
AXA PPP
  • GP referral or specialist referred only
  • must be performed in one of their listed hospitals – AXA PPP approved
Insurety www.april-uk.com 0800 028 0849 Yes All policies
Policies underwritten
by Aviva
  • GP referral or specialist referred only
  • AACP or BMAS members
Saga www.saga.co.uk 0800 015 0226 Yes Some policies

AXA PPP
Cash policy run by Birmingham Hospital Saturday Fund
  • GP referral or specialist referred only
  • BMAS only – same as AXA
  • BMAS or BAcC
Secure Health www.securehealth.co.uk 01277 626444 Yes Depends on the policy and modules chosen by the policy holder (therapy module)
AXA PPP
Aviva
  • GP referral or specialist referred only
  • only deal with policy administration - contact the underwriter for details