HI everyone
My dd will be coming from abroad and we haven't had any experience with the NHS for years and I saw a few mentioned that this kind of insurance is a good idea. Can anyone point me in the right direction? As a avid dance/athlete - my dd has needed physio a fair amount in the last little while (currently has a torn calf muscle) so I want to make sure we are prepared for everything...especially budget wise as i hadn't even thought about physio until someone mentioned it!
Thanks in advance for your suggestions!
Ta
Physio insurance
Moderator: busybusybusy
Re: Physio insurance
A lot of colleges either have their own or recommend a company they have a relationship with
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performmum
- BRIT Award
- Posts: 33
- Joined: Sat Mar 22, 2014 4:32 pm
Re: Physio insurance
We used this man. He was very helpful.
Mike Manfield
Health Insurance Specialist
T: 02920090435
E: mike.manfield@activequote.com
If you explain what your DD is doing he will point you in the right direction.
Mike Manfield
Health Insurance Specialist
T: 02920090435
E: mike.manfield@activequote.com
If you explain what your DD is doing he will point you in the right direction.
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2dancersmum
- GRAMMY Award
- Posts: 493
- Joined: Sat Dec 17, 2011 11:23 am
Re: Physio insurance
We arranged our own private medical insurance for DD as her school scheme was very expensive.
If either parent has private BUPA medical insurance through work, we were told the cheapest way is to make it a family policy and add a child but insurance is quite a complicated area as it depends on factors likes age, previous history etc
The process we followed was - first we checked with school for their policy and cost and we got a copy of what it covered so we could shop around. Often the standard policy is quite basic but has bolt on extras and physio and scans are sometimes an extra. You can then bring the price back down sometimes by removing options too - we took out cancer cover for example. You also need to check which physio the school uses or check for a physio near school so that your child can get there and check that that particular physio practice accepts your insurance company.
DH did all of this, mostly on the phone and some companies sent him quotes through. They were all very helpful (as obviously they would like your business) and talked him through what was covered and what parts were needed/not needed for DD so we could taper her policy accordingly.
Our first cover for DD was through AXA PPP. When she started she was under 18 so the policy was in DH's name but covered DD - around £15 a month
When she turned 18 the premium rocketed - age and after claims for physio at the start of her 2nd year so we got quotes again and went with Aviva at about £20 a month once she was a year clear of her previous physio. You obviously have to declare any previous injuries and claims.
I imagine figures quoted will be out of date as DD is about to graduate and as I say quotes vary considerably as previous history and age are taken into account but doing it ourselves we paid less than half the fee charged by the school's insurance company and yet used the same physio company that came into her school and was down the road from where DD lived.
I hope this is of help.
Edited to add - not an alternative to health insurance but it is worth remembering also that there are NHS clinics that specialise in dance in Bath, London and Birmingham where you can also get treated. This is through NIDMS and details of how to get referred following injury etc on are on their website http://www.nidms.co.uk/
If either parent has private BUPA medical insurance through work, we were told the cheapest way is to make it a family policy and add a child but insurance is quite a complicated area as it depends on factors likes age, previous history etc
The process we followed was - first we checked with school for their policy and cost and we got a copy of what it covered so we could shop around. Often the standard policy is quite basic but has bolt on extras and physio and scans are sometimes an extra. You can then bring the price back down sometimes by removing options too - we took out cancer cover for example. You also need to check which physio the school uses or check for a physio near school so that your child can get there and check that that particular physio practice accepts your insurance company.
DH did all of this, mostly on the phone and some companies sent him quotes through. They were all very helpful (as obviously they would like your business) and talked him through what was covered and what parts were needed/not needed for DD so we could taper her policy accordingly.
Our first cover for DD was through AXA PPP. When she started she was under 18 so the policy was in DH's name but covered DD - around £15 a month
When she turned 18 the premium rocketed - age and after claims for physio at the start of her 2nd year so we got quotes again and went with Aviva at about £20 a month once she was a year clear of her previous physio. You obviously have to declare any previous injuries and claims.
I imagine figures quoted will be out of date as DD is about to graduate and as I say quotes vary considerably as previous history and age are taken into account but doing it ourselves we paid less than half the fee charged by the school's insurance company and yet used the same physio company that came into her school and was down the road from where DD lived.
I hope this is of help.
Edited to add - not an alternative to health insurance but it is worth remembering also that there are NHS clinics that specialise in dance in Bath, London and Birmingham where you can also get treated. This is through NIDMS and details of how to get referred following injury etc on are on their website http://www.nidms.co.uk/
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cluelessmum
- BRIT Award
- Posts: 47
- Joined: Wed Feb 25, 2015 2:37 am
Re: Physio insurance
Thanks so much for the info!