List of private health insurers

All private health insurers included on this BAcC ‘open’ list offer some form of insurance cover for acupuncture treatment. Every company and policy is different and we do our best to keep the information current and relevant to BAcC members. Please let us know of any updates or queries.

A pdf of the table is downloadable at the foot of the page

Company details	Policy details	Conditions covered/criteria
Aviva Healthcare 0800 051 1524 www.aviva.co.uk	Some policies	• 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-zone.html
AXA PPP 0800 783 1279 01892 503001 – specialist recognition www.axappphealthcare.co.uk	Cash Plan only	• Patient pays BAcC practitioner and gets re-imbursement from AXA/PPP £60 per session fee
Benenden Healthcare Society 0800 414 8011 www.benenden.org.uk	Health cash plan only	• self-referral ok • 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
Birmingham Hospital Saturday Fund 0800 622552 www.bhsf.co.uk	Three quarters of all policies	• self-referral • BMAS and BAcC members only
Bupa 0800 600500 – provider management www.bupa.co.uk	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 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 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
CS Healthcare 0800 917 4325 www.cshealthcare.co.uk	Some policies, depending on module chosen (therapy and care)	• GP referral or specialist referred only • BAcC and AACP members
Engage Mutual Assurance (also formally PHSA) 0800 169 4321 www.engagemutual.com	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
Exeter Family Friendly 0300 123 3200 www.secure.exeterfamily.co.uk	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 0800 970 9442 www.generalandmedical.com	All policies but limited benefit	• GP referral or specialist referred only • must be accredited by a governing body but no list of providers available
Healthshield 01270 588555 www.healthshield.co.uk	All policies	• self- or GP referral • BAcC, BMAS, and ATCM members
HSF 020 7202 1381 www.hsf.co.uk	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 0800 011 2222 www.medicash.org	All policies	• self-referral ok • practitioner must be registered with professional body such as BAcC, AACP, and BMAS, ie qualified and insured
National Friendly 0800 195 9246 www.nationalfriendly.co.uk	All policies	• GP referral or specialist referred only • BAcC members accepted • no list of providers available
Pru Health (now Vitality Health) 0800 092 9400 www.pruhealth.co.uk	Some policies	• GP referral or specialist referred only • BAcC, AACP, and BMAS members
Sovereign Health 01274 841130 www.sovereignhealthcare.co.uk	Healthcare cash plan	• BAcC, BMAS, and ATCM members
Simply Health (includes BCWA, Leeds Hospital Fund and Medisure) 0800 294 7302/0800 854929 This email address is being protected from spambots. You need JavaScript enabled to view it. www.simplyhealth.co.uk	Depends on the policy	• GP referral only • AACP, BAcC, ATCM, and BMAS members only
Westfield 0845 605 6531 www.westfieldhealth.com	Most policies	• GP referral only • BAcC or BMAS members only
WHA 0292 048 5461 www.whahealthcare.co.uk	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)
WHCA 01905 729090 www.whcaorchard.com	All policies – Orchard Healthcare Plan	• self-referral • treatment administered by ‘a qualified person registered with an organisation recognised by WHCA’
WPA 0800 298 9588 www.wpa.org.uk	Acupuncture allowed 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 details	Policy details	Conditions covered/criteria
Health-on-Line 01202 544445 www.health-on-line.co.uk	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
Insurety 0800 028 0849 www.april-uk.com	All policies Aviva	• GP referral or specialist referred only • AACP or BMAS members
Saga 0800 015 0226 www.saga.co.uk	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
Secure Health 01277 626444 www.securehealth.co.uk	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

Download attachments:

BAcC_PHI_Web_April_2016.pdf

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