• GP referral or specialist referred only
• each acupuncturist has to register individually
• deal with queries on case-by-case basis
• practitioner has to register, form available on website: www.aviva.co.uk/health-insurance/practitioner has to register, form available on website: www.aviva.co.uk/health-insurance/practitioner-zone.html

AXA PPP Healthcare
0800 111 4004 ( Mon-Fri 9am to 7 pm)

Claims 0800 111 4813
www.axappphealthcare.co.uk

Health cash plan:

• Patient pays BAcC practitioner and gets re-imbursement from AXA/PPP £60 per session fee

Health cash plan:

• self-referral ok
• each claim analysed on an individual basis and if practitioner holds a relevant qualification,each claim analysed on an individual basis and if practitioner holds a relevant qualification,they would pay the claim and on a case-by-case basis

Three quarters of all policies:

• self-referral
• BMAS and BAcC members only

Discretionary benefit on some policies under review:policy specific:

• no cover for pre-existing conditions
• no cover for long-term and/or chronic conditions – acute flare-ups only on case-by-case no cover for long-term and/or chronic conditions – acute flare-ups only on case-by-case basis – exclusion on temporary relief of symptoms
• must be a registered medical practitioner; hold BMAS certificate of accreditation; 
• have been in continuous substantial practice; up to date with CPD; complete application form
• Bupa provides recognition for providers who are fully insured members (qualified medical Bupa provides recognition for providers who are fully insured members (qualified medical acupuncturists) on their insurance policies. However, there are cash plans which may cover for acupuncture by providers who do not have full recognition by Bupa, eg health addictions cash plan accepts BAcC members

Some policies, depending on module chosen (therapy and care)

• GP referral or specialist referred only
• BAcC and AACP members

Health cash plan

• GP referral only
• each claim analysed on an individual basis and if practitioner holds a relevant qualification, they would pay the claim on a case-by-case basis

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

All policies but limited benefit

• GP referral or specialist referred only
• must be accredited by a governing body but no list of providers available

All policies

• Acupuncture covered under the health cash plan, ranging from £60 to £655 money back per year.
• Pre-existing conditions are not covered.
• Acupuncturist must be from a list of approved professional organisations.

All policies

• no referral required
• BAcC member or TCM practitioner
• no requirement to belong to any particular association but practitioner must send copy ofno requirement to belong to any particular association but practitioner must send copy ofqualification with receipt

All policies

• self-referral ok
• practitioner must be registered with professional body such as BAcC, AACP, and BMAS, iepractitioner must be registered with professional body such as BAcC, AACP, and BMAS, iequalified and insured

All policies

• GP referral or specialist referred only
• BAcC members accepted
• no list of providers available

Some policies

• GP referral or specialist referred only
• BAcC, AACP, and BMAS members

Healthcare cash plan

• BAcC, BMAS, and ATCM members

Depends on the policy

• GP referral only
• AACP, BAcC, ATCM, and BMAS members only

Most policies

• GP referral only
• BAcC or BMAS members only

All policies

• self-referral but for medical conditions only
• no cover for pre-existing conditions (except see final bullet)
• practitioners must have proper qualification and insurance
• NHS top-up scheme will pay up to £200 of treatment by BAcC members without need for GP referral or stating what condition treatment is for (so allows pre-existing conditions)

All policies – OrchardAll policies – Orchard Healthcare Plan

• self-referral
• treatment administered by ‘a qualified person registered with an organisation recognised bytreatment administered by ‘a qualified person registered with an organisation recognised byWHCA’

Acupuncture allowed on mostAcupuncture allowed on mostpolicies(therapy benefit optional)

• GP referrals only
• no cover for pre-existing conditions
• BAcC and BMAS members only

Some policies, up to £1,000 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

All policies / Aviva

• GP referral or specialist referred only
• AACP or BMAS members

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 members

Depends on the policy and modules chosen by the policy holder (therapy module)

• GP referral or specialist referred only
• only deal with policy administration – contact the underwriter for details