Health Plans for Physiotherapy
  • Health Insurance for Physiotherapy
  • Types of Physiotherapies
  • Need of Physiotherapy
Health Plans for Physiotherapy
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Is Physiotherapy Covered in Health Insurance?

Arjun got injured while playing cricket. Doctors suggested him to go for physiotherapy sessions twice a week. Now his father was wondering about the budget as physiotherapy cost a little high. Thus, not everyone can be able to afford it. Yes, that is a problem, but comprehensive physiotherapy insurance cover is a great solution.

Physiotherapy Market in India in 2024

As per the reports by CAGR, the Indian Physiotherapy market is projected to experience substantial growth in the coming year.  The reason could be:

  • The demand for an ageing population.
  • Increasing issues related to chronic diseases. 
  • Improvement in accessibility of healthcare services. 
  • Integration of technology and telehealth platforms.

Why We Seek for Physiotherapy?

Physiotherapy plays a crucial role in managing several health conditions, like-

  • sports injuries
  • post-surgical rehabilitation
  • chronic pain
  • neurological disorders

Though you cannot deny the benefits of physiotherapy, the treatment's cost can still be a significant concern. Thankfully, many physiotherapy insurance coverage options in the market give complete cover to the policyholder.

Types of Physiotherapy

There are various types of physiotherapies available in the market as per the complications. Some of them are also covered in health insurance policies for physiotherapy. Let us have a look at them below to get the answer to "Is physiotherapy covered by health insurance?"

Core Treatment Modalities: A group of therapies that helps in improving the posture of the body.

  • Manual Therapy

    This involves hands-on techniques like soft tissue mobilisation, massage, and joint mobilisations for pain release, improvisation in the range of motion and reduced inflammation.
  • Exercise Therapy

    Various tailored exercise programs focus on strengthening, stretching, flexibility, balance exercises, and cardiovascular fitness for rehabilitation and it improves overall functions.
  • Electrotherapy

    The therapy that is used to help in pain management, inflammation reduction, and healing with the help of Transcutaneous electrical nerve stimulation, ultrasound therapy, interferential therapy, or short-wave diathermy.
  • Hydrotherapy

    Some water-based exercises in specialised pools for pain relief, improved mobility, and strengthening for patients with mobility limitations.

Specialized Physiotherapy Treatments For Major Illnesses

  • Neurological Physiotherapy

    To cure neurological health problems like Parkinson's disease, multiple sclerosis, spinal cord injuries, and others.
  • Orthopedic Physiotherapy

    To address musculoskeletal conditions including injuries, post-surgical rehabilitation, arthritis, and sports injuries.
  • Cardiopulmonary Physiotherapy

    The therapies done to manage respiratory and cardiac health issues. Breathing exercises, airway clearance techniques, and exercise rehabilitation are some of the exercises.
  • Women's Health Physiotherapy

    Therapy that specialises in the conditions related to pregnancy, pre and post-natal care, pelvic floor dysfunctions, and incontinence.
  • Pediatric Physiotherapy

    Mainly focuses on helping children with their developmental delays, congenital conditions, and injuries.
  • Gerontological Physiotherapy

    It addresses the needs of the elderly population and helps them manage age-related conditions and mobility issues.

Other treatments are often used for extreme conditions

  • Dry Needling/Acupuncture

    To release pain and muscle tension the therapist inserts thin needles at the specific pain points.
  • Taping

    The use of specialized tape to provide support, reduce pain, and improve joint alignment. 
  • Heat and Cold Therapy

    The use of heat packs or ice packs to reduce inflammation and pain.

Physiotherapy Insurance Coverage in Healthcare

Physiotherapy insurance coverage usually falls under post-hospitalisation or OPD coverage. Let us understand how.

  1. Requirement of Physiotherapy after Hospitalisation

    Hospitalisation due to injuries can be for a short or long period but post-hospitalisation can be very long. Usually, physiotherapy sessions are prescribed by doctors as a part of recovery and fall under the umbrella of post-hospitalisation expenses.

  2. Requirement of Physiotherapy Due to Disability

    Disability, chronic conditions, or similar situations also require physiotherapy sessions. Usually, doctors suggest going for sessions according to the conditions. In this case, physiotherapy health insurance falls under the OPD.

Explore Health Insurance Plans for Physiotherapy in India

  • BAJAJ Health Care Supreme
  • Care Supreme Plan
  • Star Comprehensive Plan
  • Niva Bupa CritiCare
  • Niva Bupa Aspire 
  • HDFC ERGO Wallet Family Floater

A Comprehensive Plan with a wide range of benefits, ensuring a cover for maximum expenses related to Illness and Accidents offering optional add-on benefits.

Unique Features

  • Avail Maternity Cover
  • Avail Newborn baby cover
  • Physiotherapy expenses covered

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

  • Unlimited E-consultations
  • Unlimited Automatic Restoration
  • Avail Up to 30% Discounts

Care Supreme Plan (Pros)

  • Day Care Treatments
  • No Sub-Limits
  • Emergency Ambulance
  • No-Claim Bonus
  • Organ Donor Cover

Care Supreme Plan (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Supreme Plan (Other Benefits)

  • Unlimited Recharge
  • 30% Renewal Discount
  • Unlimited E - Consultation
  • Wellness Benefits
  • Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - No age limit
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health check-ups for claim-free years
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.

Unique Features

  • Daily hospital cash
  • Accident care available
  • Lifelong renewability

NivaBupa CritiCare (Pros)

  • 20 critical illnesses Covered
  • Long-term tenure savings
  • Different pay-out options
  • Tax benefits
  • Direct claim settlement

NivaBupa CritiCare (Cons)

  • Accident Death
  • No Total Disability Cover
  • AIDS Not Covered
  • Child Education Benefit
  • Funeral Expenses

NivaBupa CritiCare (Other Benefits)

  • Flexibility Plan Options
  • Surgeon's Fee Covered
  • Renewal for life
  • Diagnostic Procedures/Therapies
  • Prosthetic Implants Covered

NivaBupa CritiCare (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 3 Cr
  • Waiting Period - 30 Days

This plan is designed for youngsters and allows the policyholder to go overseas for treatments.

Unique Features

  • Exclusive maternity benefits
  • Adoption is included
  • Borderless facilities

Niva Bupa Aspire Plan (Pros)

  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation

Niva Bupa Aspire Plan (Cons)

  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

  • Entry age - 18 years
  • Max entry age - No AgeLimit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

A flexible and comprehensive health plan, securing your today & tomorrow. With 'Reserve Benefit' features, this plan grows unused policy amount @6% interest rate.*

Unique Features

  • Automatic SI restoration
  • Multiplier benefit
  • Free preventive health checkup

Wallet Family Floater (Pros)

  • Reserve Benefit
  • 100 % Restore Benefit
  • Recovery Benefit
  • 50% Increase On SI on Renewal
  • World Wide Coverage

Wallet Family Floater (Cons)

  • External Congenital diseases
  • Drugs Treatments
  • Miscarraige Not Covered
  • Deductibles (Optional)
  • No Cosmetic Surgery

Wallet Family Floater (Other Benefits)

  • Ambulance Cover
  • 5 Year Policy Cover
  • Portability
  • 30 Days Grace Period
  • Sum Insured Enhancement

Wallet Family Floater (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Make a Right Choice

If you are into sports or in such kind of physical activity, then you might need health insurance that covers physiotherapy. But, you cannot opt for the insurance policy solely based on physiotherapy coverage. It is suggested to buy a health insurance policy that offers comprehensive coverage. And yes, always check out the waiting period for hassle-free claim settlement.


If you need to know any more details about physiotherapy insurance cover, contact the insurance advisors at PolicyX now.


Health Insurance for Physiotherapy: FAQ's

1. Is physiotherapy covered under all the health insurance plans?

No, only plans that cover OPD and post-hospitalisation might offer physiotherapy coverage.

2. What are the types of physiotherapy that are covered under health insurance?

Various types of physiotherapies are covered under different health insurance policies. Read the policy documents carefully to understand or ask our experts at PolicyX.

3. Is physiotherapy covered in health insurance in India?

Yes, physiotherapies are covered under many popular health insurance policies in India. For example - Niva Bupa CritiCare, HDFC ERGO Wallet Family Floater among others,

4. Do I need a doctor's prescription to apply for a physiotherapy claim under health insurance?

Yes, a doctor's prescription will be required to claim health insurance for physiotherapy.

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Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.