Insurance billing is how a lot of UK private practices get paid. With NHS waiting lists still long, more patients are coming through your door with private health cover. For many clinics, especially in cities, those insured patients fill diaries and help new sites grow.

The catch? Billing insurers hasn't gotten any easier. Time on hold to insurers is up 23% in two years. Remittances arrive by portal, by email and, yes, still by post. Patient excess needs working out, invoicing and chasing. And at the end of it all, someone still has to match every payment to an invoice and reconcile the books.

That’s why splose has teamed up with Effra. splose now integrates with Effra's insurance billing automation, taking your practice from claim to cash without all the admin.

Effra is a UK billing automation platform built for clinics that bill health insurers, including Bupa, AXA, Aviva and Vitality. It handles insurance billing end to end, from submitting invoices and processing remittances to collecting patient excess, challenging incorrect shortfalls and reconciling it all to your bank.

Create an invoice in splose and Effra takes it from there. No extra buttons. No re-keying. No logging in to insurer portals.

1. Invoices, sent in an instant

Effra picks up the invoice from splose, checks the details and submits it to the insurer automatically. It only asks for what each insurer actually needs — for Bupa, that can be just the pre-authorisation code. Duplicate claims and formatting errors are flagged before anything is sent, so fewer invoices bounce back.

2. Remittances, handled

Effra pulls in remittance statements from insurer portals, email and post, uses AI to fix any mistakes and chases statements that go missing. Insurer payments, partial payments included, land straight back in splose.

3. Patient excess, collected

When an insurer confirms an excess or shortfall, Effra emails the patient an invoice with a pay link, or takes payment from a card on file. The money goes straight to your clinic. In one example, a Bupa excess was confirmed, invoiced and paid within 22 minutes of reception creating the invoice.

4. Shortfalls, challenged

Effra spots invoices an insurer has shortfalled in error. Its AI agents then call the insurer and challenge the decision, so the invoice gets reassessed and you get paid what you've earned. 

5. Reconciled, right through to the bank

Every payment is reconciled through to your bank account. Effra monitors your bank to match payments but never touches your funds. The result? One version of the truth across splose and your books: what's paid, what's outstanding and what's on its way.

Billing AXA? It just got easier

AXA is the UK’s second-largest health insurer by claims volume, and it’s often the trickiest to bill. Effra now works more closely with AXA, which gives it ways to bill AXA more efficiently and reliably. For clinics using splose and Effra, that means a smoother route from AXA claim to payment, with less back and forth.

• Get paid faster. Clinics using Effra have cut the time from appointment to payment from 53 days to just 13.
• Reduce aged debt. Up to 90% less aged debt for clinics using Effra.
• Get hours back. A typical 25-practitioner clinic using Effra saves 41 hours a week. That's roughly a full-time role.
• See where every claim stands. Submitted, paid, shortfall or outstanding — see it all without juggling portals.

But don’t just take our word for it. You can hear ringing endorsements directly from clinics themselves. Take Vanbrugh Physio. They used to bill insurers by hand, even posting invoices to AXA. With Effra, invoices are now fully paid 14 days sooner on average, and the team saves 14 hours a week.

"I'd say I'm a cynic turned advocate. Before Effra, we had a defined process but it involved many staff members: several receptionists, a records administrator and me pitching in for the more complex remittances. Now, it's just me and the clinical lead watching Effra do the work." Vanbrugh Physio

"Effra has been a game changer and will be a market disrupter. They’ve made great efforts to correct & improve any rejected insurance billing issues & we can track and see absolutely everything £ for £!" Jason Patel, Freedom Clinics

Any private practice that bills health insurers regularly, from physiotherapy and chiropractic to osteopathy, podiatry and sports injury clinics. It's a particularly good fit if:

• a large share of your revenue comes from insured patients
• you run several sites and need a clear view of billing across all of them
• your team bills insurers by hand through portals, email or post
• you pay a billing company a percentage of your revenue and want more transparency and control

Effra's team handles setup, and it usually takes less than a week. They'll onboard and train your reception and admin team too, so everyone's up and running from day one.

Already using splose? Click here to learn how to connect Effra to your account.

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