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.

Specialized Physiotherapy Treatments For Major Illnesses

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

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