Suffering with Chronic Back or Neck Pain?
Most Medical Aid Schemes Fully Cover Treatment Without Touching Your Day-to-Day Medical Savings
Many South African medical aids fund a structured Back & Neck / Spinal Conservative Care programme that can start now. Book your assessment at Carline Swart Physiotherapy and see how you can benefit.
What Is Workability and BNAP?
Workability and BNAP is a physio-led, non-surgical rehabilitation plan for persistent back or neck pain. It typically includes a comprehensive assessment, education, supervised exercise, a home programme and progress tracking over about 3 to 16 weeks.
The goals are to reduce pain, restore function, and help you avoid unnecessary surgery.
At Caroline Swart Physiotherapy, we are an accredited Workability and BNAP network practice. That means for eligible members on most major South African medical aids, you can unlock medical aid funds whilst leaving your day-to-day savings intact.
Our evidence-based, non-surgical programme is designed to tackle the root cause of your pain, restore your mobility, and help you get back to living freely. Plus, we handle all the authorisations directly with your scheme - zero paperwork for you!
Who Qualifies
Adults with ongoing back or neck pain (with or without leg or arm symptoms) may qualify after a clinical assessment. Some schemes use partner networks and require pre-authorisation. We guide you through the steps.
What's Typically Included
Comprehensive physio assessment and risk stratification
Individualised exercise therapy and supervised sessions
Education on pain, posture, movement and daily habits
Home exercise plan with regular progress reviews
(Exact inclusions depend on your medical aid plan and authorisation.)
Who qualifies for the Workability and BNAP Program?
If your medical aid has a contract with Workability or the BNAP Program and you are authorised, then the program will not cost you anything as the full cost is covered by your medical aid and is not taken from your medical savings account (T&C apply).
Note: Availability, authorisation and funding rules vary by option. Other employer or closed schemes may access similar DBC/Workability pathways. We will check your benefits for you.
Not On One Of These Medical Aids
You still have options:
Cash-based rehab packages: fixed-fee assessment plus structured session bundles
Hybrid funding: use remaining day-to-day, Gap options, or split sessions across year-end
Once-off consults: pain flare-up management, home plan and referral if needed
What To Expect At
Caroline Swart Physiotherapists
Step 1: Assessment (45–60 min) – history, screening, movement tests, goals
Step 2: Programme setup – pre-authorisation (if required) and session plan
Step 3: Active rehab – supervised sessions and home programme with check-ins
Step 4: Graduation – prevention plan and long-term self-management
We will confirm this with your plan, most medical aid funds leave your day-to-day savings intact.
Some programmes or networks require pre-authorisation or a referral. We advise you.
Programmes typically run 3 to 16 weeks depending on your assessment.
Conservative, evidence-based care is the first line and often reduces the need for surgery.
Book Your Assessment
You can send us a WhatsApp message using the links below or if you prefer you can tap on the phone numbers to phone us.
Complete Your Details to Schedule Your Direct Consultation
We will contact you back directly.
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