Many private health insurance Extras reset on January 1. So, any unused benefit sitting there ready for you to use disappears in a big puff of smoke and end up in the company shareholders Christmas stocking. Are there things you need to get checked? Teeth, eyes, diet? Can you claim gym memberships, running shoes, yoga fees? I don’t know. Depends on your cover. But you definitely can claim Newcastle Performance Physio. Get those niggling injuries and pains sorted before backyard cricket on Christmas Day. Use your benefits before they disappear!

Until next time

Dave