Insurance Patients

Please note that by booking an appointment with us that involves costs being covered by your insurance means that you have read and agreed to the following terms and conditions below. You are thereby entering into a contract/agreement with us. Should you have any queries or concerns, kindly contact us to clarify before you book your appointment.  


We welcome insurance patients with open arms and are currently registered with the major insurance companies including the following below.

Please note that whilst we can charge some insurance companies directly, in some cases, in line with our own company policy, we may charge you in advance for the session and you can get reimbursed by your insurance company. When booking your first session with us, please be sure to mention which insurance company you’re with and what your agreement is with them. We will be able to advise you if you need to pay us directly or not.

Some insurance companies may only cover you for the first six sessions of physiotherapy whilst others might require you to pay an excess etc. Some insurance companies may also require a doctor’s referral.  

***Please note that it is your responsibility to clarify any existing agreement with your insurance company before attending a session as well as during your sessions with us*** Failure to do so might result in you having to cover your clinic fees directly – at the full self-paying price – NOT the insurance amount.  

AXA – JO01644

BUPA – 80013693 (Inner london) // 80013403 (Outer london)

AVIVA – 600108566

CIGNA  – 216555

The number next to each insurance company is called a ‘provider number’. Each number is unique to The London Physio and it is through this that your insurance will be able to recognise us and authorise your sessions with us. Simply give it to them and ask for the following details below, which we require you to send us via email before we can book your first appointment:  

  1. Your authorisation number

  2. Your membership number or code.

  3. The number of sessions authorised

  4. Any limitations set by the insurance

  5. Your annual excess

  6. Your annual policy renewal date

  7. Any other relevant documents if available – scans, referrals etc.

Without the above, we will not be able to book you in as an insurance patient. Unfortunately, we are unable to speak to your insurance on your behalf and if for any reason your insurance is unable to pay for your sessions, the full charges (at the self-paying amount, which may be more than your insurance pays) will be invoiced to you.    

In summary, please check all details thoroughly with your insurance company as any unforeseeable extra costs/charges that the insurance does not cover will be covered by you, including if your insurance policy allowance has been exhausted or our claim has been rejected for whatever reason, you will be liable for any balance in payment, which will be invoiced directly to you at the full rate of the sessions (not the insurance rate).

Please note that insurance companies only cover attended Physiotherapy treatments and not:  

  1. Sessions missed or cancelled within 48hrs. These will incur a cancellation charge equal to the full rate of the session (if within 48 hours). Please also bear in mind that these rates are our full self-funding rates, not what the insurance pays.

  2. The use of our own branded physiotherapy equipment such as resistance bands, or any other third party equipment that is billed differently.

  3. Other services we provide.

If you have paid for a session in advance, at the rate that we charge your insurance but you miss that session or cancel with less than 48 hours notice, the difference will be charged directly to you in a separate invoice – equal to the price of the full session.

If you have not paid for your sessions in advance, in the case that we charge your insurance directly, we will reissue the invoice directly to you, again, at the full price of the session.

If due to unforeseen circumstances on our end, we need to cancel your sessions within 48 hours, we promise there will be no monies charged to you or your insurance for the canceled sessions. If you have already paid, we will offer you a change of time slot either on the same day or a different day. In some circumstances, we may also reimburse you.

Please also note that discount codes do not apply to insurance companies as they usually have set prices.

All other information can be found on our T&Cs and FAQ pages.