9 holistic therapies covered by health insurance

When people think about health insurance, they often focus on hospital visits, GP consultations, and prescription costs. However, many insurers also offer coverage for a variety of complementary and alternative therapies, which can help improve overall well-being and manage specific health conditions. In this article, we’ll look at nine therapies you may not realise could be covered by health insurance, along with tips on how to find the right insurance plan for your holistic health needs.

Acupuncture

Acupuncture, a therapy rooted in Traditional Chinese Medicine, involves using thin needles to specific points on the body to encourage healing. Many health insurers, including Bupa, Vitality, and The Exeter, cover acupuncture for issues like chronic pain, migraines, or stress relief. It may be included under general physiotherapy or musculoskeletal support, so it's always a good idea to review your policy and check any session limits or specific conditions.

Chiropody and podiatry

Foot health is crucial, especially for those managing conditions like diabetes or mobility issues. Chiropody and podiatry services often focus on removing corns and calluses, and providing guidance on foot care. Insurers like WPA, AXA Health, and Bupa typically include podiatry within their outpatient care coverage but be sure to review your policy for any specific guidelines or limits on treatments.

Chiropractic and osteopathy

Chiropractic and osteopathy treatments are designed to alleviate discomfort in the bones, muscles, and joints. These therapies are particularly useful for those dealing with chronic pain or sports injuries. Insurers such as Vitality, Aviva, and AXA Health often cover these treatments, though it’s important to confirm any limits on the number of sessions or required qualifications of the practitioners.

Homeopathy

Homeopathy operates on the principle that ‘like cures like’. It’s often used to manage conditions like allergies, chronic illness, and even emotional concerns like anxiety. Coverage for homeopathy tends to vary more than other therapies, with insurers like Aviva and WPA offering it as an optional feature. Some insurers may exclude it altogether due to the limited scientific evidence supporting its efficacy. If you're interested in homeopathy, it’s essential to clarify the details with your provider.

Massage therapy

Massage therapy is commonly used for relaxation and to address conditions like back pain, fibromyalgia, or sports-related injuries. Providers like Vitality, Bupa, and AXA Health may include massage therapy as part of their physiotherapy or musculoskeletal treatment plans. In some cases, you might need a GP referral, and there may be limits on the number of sessions.

Physiotherapy

One of the most frequently covered therapies in private health insurance plans, physiotherapy helps individuals recover from surgery, injuries, and manage long-term conditions like arthritis. Aviva, AXA Health, and The Exeter generally include physiotherapy in their core benefits​. Coverage often includes assessments, treatments, and follow-up sessions. While a GP referral isn't always necessary, it's important to check for limits on the number of sessions or the total annual claim amount​.

Reflexology 

Reflexology is based on the idea that applying pressure to certain points on the feet, hands, or ears can stimulate healing and improve overall well-being. This therapy is less commonly covered, but insurers like WPA and AXA Health may offer it as part of their broader alternative therapy options. It's typically available as an optional extra, so be sure to check the specifics of your policy.

Tips to find the right health insurance that supports holistic therapies

1. Research coverage

Not all insurers offer the same level of coverage for alternative therapies. Providers like Vitality, Aviva, and AXA Health offer various levels of coverage for treatments such as chiropractic care, osteopathy, and acupuncture. Some plans may include these treatments as part of a comprehensive package, while others offer them as add-ons.

2. Check the network

Many insurers require that you see a registered or approved therapist within their network for the treatment to be covered. For example, AXA Health and WPA have specific networks of practitioners. Make sure that the professionals you wish to consult are included in the insurer's network.

3. Ask about limits

Certain holistic therapies, like acupuncture or chiropractic care, may have annual session limits or monetary caps. For example, Aviva and Bupa often impose session limits or value caps on particular therapies​​. Make sure to ask about these details to avoid unexpected costs.

4. Bundle coverage

Some insurers, like WPA and The Exeter, allow you to add complementary therapies as optional extras. Consider combining traditional medical coverage with holistic treatments for a more comprehensive approach to health​​.

Choosing a health insurer that includes coverage for complementary and alternative therapies can significantly enhance your well-being, especially if you're managing chronic conditions or looking for holistic treatment options. Whether it's acupuncture for pain relief or chiropractic care for back problems, complementary therapies provide valuable benefits. Be proactive - research your options, ask the right questions, and make the most of the holistic treatments that align with your health needs.