DS' friend has cerebral palsy and wants regular physiotherapy. He'd like to sign up to a health insurance/cash plan, preferably with the option of specialist physio treatment. I said I'd have a look around but can only find plans that cover a wide range of treatments and as he only needs physio, he could be wasting his money. Also, we're clearly talking about a pre-existing condition and that rules out some plans.
Any suggestions would be gratefully received!