A recent report by the Chartered Society of Physiotherapy found that some people have to wait up to 27 weeks for treatment on the NHS.
With a health cash plan people can see a physiotherapist of their choice at any point and claim back money towards the cost.
Raman Sankaran for Simplyhealth says: "If you hurt your back, or pick up a knee injury you will want to get it treated quickly so you are not in pain. Waiting up to 27 weeks for treatment can affect your ability to work, sleep and get around. With a cash plan you can book an appointment with an independent physiotherapist and claim back a percentage of the cost, up to an annual limit. There's no need for a GP referral and it means you do not have to wait in pain or discomfort."