From seafront runs in Southsea to five-a-side in Drayton and paddleboarding near Eastney; injuries happen. Here is how to use private health insurance for rapid physio and rehab in Portsmouth.
Why use PMI for physio
- Direct access pathways – start treatment without waiting for a GP referral
- Block sessions – many policies include 6 – 12 visits per year
- Escalation routes – quick imaging and orthopaedic referral when needed
Where to go locally
- Spire Portsmouth Hospital; Havant Road – physio; imaging; orthopaedics
- QA Private Patient Unit; Cosham – consultant triage and post op rehab
- Independent network physios across Southsea; Fratton and Old Portsmouth
Policy features to compare
- Session caps and per-condition limits
- Excess application – per policy year vs per claim
- Self referral approval – confirm before booking
- Return to sport programmes – gait; strength and conditioning included
Keep costs predictable
- Pick an outpatient cap £1;000 – £1;500
- Use in-network physios for lower rates
- Consider a £200 – £350 annual excess to cut premiums
Injury quick guide
- Ankle sprain – balance training and progressive loading within 48 – 72 hours
- Runner’s knee – rehab; load management; consider gait analysis
- Shoulder strain – rotator cuff strengthening; check for referral if no progress in 2 – 3 weeks
FAQ
Can I claim for sports club screenings
Usually not; but physiotherapy assessments and rehab after injury are commonly covered.
Do I need a GP referral
Many insurers allow direct physio access; check your policy wording.