Either we refuse to treat their clients or we charge the client top up fees and explain that their insurance doesn't actually cover what it says it does!
I have to agree, both are issues with BUPA. I don't actually have an issue with PMIs capping their fees with their customers but it is a deal between the PMI and the customer. BUPA does not permit physiotherapists on their network to charge gap fees. It is one of the things you have to agree to. It is outrageous as the customer should decide if they want to pay a gap fee or go elsewhere and so the customer and the service providers work towards a market that is sustainable to both.

When I decided to end my practices contract with BUPA I proudly showed on my website the wording. 'We do not accept BUPA insurance at this clinic' rather than a we are not BUPA registered as that sounds like in some way you are not qualified for something. I think everyone who is not in a BUPA contract should show something like 'We do not accept BUPA insurance at this clinic' as a note to the public. Might interest them as to why.