How 4 UK insurers word physiotherapy and therapies in their own policy documents, quoted rather than paraphrased.
| Insurer | Plan | What the policy document says |
|---|---|---|
| AXA Health | Personal Health | Physiotherapy, acupuncture, osteopathy and chiropractic are covered only under the optional Therapies Option, and capped at ten sessions a year on GP referral. |
| Saga | HealthPlan Super | Therapists' and acupuncturists' charges are covered up to £2,000 a year — a monetary cap rather than the session limits AXA Health and The Exeter apply. |
| The Exeter | Health+ | Therapies are an optional add-on covering physiotherapy, chiropractic, osteopathy, acupuncture, podiatry, speech therapy, pain clinic and dietician — capped at two consultations. |
| WPA | Complete Health | Therapy cover is chosen at outset from five levels, including an unlimited option — the only unlimited therapy tier among the documents we hold. |
Where they differ
- AXA Health prices it as an add-on rather than including it, states an explicit limit, requires a referral first.
- Saga includes it in the plan, states an explicit limit.
- The Exeter prices it as an add-on rather than including it, states an explicit limit.
- WPA includes it in the plan, states an explicit limit.
Those three axes — included or optional, capped or open-ended, referral or direct — are what separate policies that look alike on price. A plan that includes physiotherapy and therapies with a low cap can be worth less than one that prices it as an option with none.
What separates them
The differences that change a claim are rarely the headline. They are whether a benefit sits in the core plan or an add-on, whether a referral is needed, what the yearly limit is, and how the excess interacts with it. Two policies at a similar price can differ on all four.
None of this covers a condition you already have. Every insurer here excludes chronic conditions, and pre-existing conditions are handled through underwriting — either declared and excluded upfront, or excluded until you have gone a defined period without symptoms or treatment.
The full document for each insurer
- AXA Health Personal Health: every benefit we have quoted
- Saga HealthPlan Super: every benefit we have quoted
- The Exeter Health+: every benefit we have quoted
- WPA Complete Health: every benefit we have quoted
Who is not in this comparison
This page covers AXA Health, Saga, The Exeter, WPA. It does not cover Bupa, Aviva, Vitality — either because their current policy wording is not published openly, or because the document we hold does not address this benefit. Vitality, for example, keeps its plan terms behind a member login rather than publishing them, so we have no current wording to quote.
A comparison built from four documents is not the whole UK market, and saying so is more useful than implying completeness. A broker with access to a wider panel can tell you how the insurers not listed here would treat the same benefit.
Sources
- AXA Health — Source: Personal Health membership handbook, October 2024, read 4 September 2026. Page 6.
- Saga — Source: Your Policy Book — HealthPlan Super, Super 4 Week Wait & Super 6 Week Wait (May 2025), read 4 September 2026. Page 4.
- The Exeter — Source: Private Medical Insurance — Insurance Product Information Document (Health+) (October 2025), read 4 September 2026. Page 1.
- WPA — Source: Private Medical Insurance — Insurance Product Information Document (Complete Health) (November 2025), read 4 September 2026. Page 1.
Each row above is our reading of the wording in the document named against that insurer. The full quotation sits on the insurer’s own page, linked below, so the figures here can be checked against the sentence they came from rather than taken on trust.
Compare physiotherapy and therapies on a quote
Get a free quote and a specialist broker will call you back to compare how these insurers handle physiotherapy and therapies for your circumstances — free, no obligation. See also the guide to comparing UK cover and the list of FCA-authorised brokers.
Insurers publish these documents openly and revise them at renewal, so the figures above have a shelf life. Ask for the current policy document and the benefit schedule before deciding, and check the firm on the Financial Services Register. An FCA-authorised broker can compare the insurers available through its service and explain how each would treat your history.