If your insurer is not listed here, feel free to contact us. Many plans offer coverage for our services, and we can confirm this for you.

How to use your PMI for orthopaedic treatment

If you’re using private medical insurance for your treatment, here is how the process typically works:

1. Check your policy coverage
   • Review your PMI policy to ensure it covers the type of care you need, such as consultations, diagnostics, or surgery.
   • Contact your insurer if you’re unsure about specific coverage details.
2. Referral from a GP
   • Most insurers require a referral from a GP before approving specialist care.
   • This referral can come from:some text
     • Your NHS GP
     • A private GP
     • A virtual GP provided by your insurer (many insurers offer this as part of their policy benefits).
   • If you need assistance finding a private GP, we can recommend trusted partners.
3. Obtain pre-authorisation
   • Once you have a referral, contact your insurance provider to get pre-authorisation.
   • Your insurer will provide a pre-authorisation code and confirm coverage for your consultation or treatment.
4. Book your appointment
   • Share your pre-authorisation code, policy details and membership number with our bookings team when arranging your consultation.
   • We’ll handle direct billing with your insurer, so you won’t need to worry about payments upfront for covered services.
5. Attend your consultation
   • During your appointment, our consultant will assess your condition and provide a recommended treatment plan.
6. Treatment authorisation
   • If additional procedures or treatments are required, we’ll provide the details needed for your insurer to authorise the next steps.
7. Treatment & follow-ups
   • Once approved, your treatment will proceed as planned. Most follow-up appointments are also covered, subject to your policy terms.

What if my policy includes excess or limited coverage?

• If your policy includes an excess, you will need to cover this amount directly.
• For treatments not covered by your policy, our team will provide a clear cost breakdown and discuss your options.

Additional notes for patients with PMI

• Cash Plans: If you have a cash plan rather than a traditional PMI policy, please inform our bookings team. These plans may partially reimburse your treatment costs, but direct billing is usually not available.
• Policy Renewal & Changes: If you have questions about policy limits, exclusions, or renewals, contact your insurer directly to understand how they affect your care.

Need help navigating your insurance?

Our team is here to support you at every step of the process. Contact us with any questions about using PMI for your treatment, and we’ll ensure your experience is as seamless as possible.