- Health Insurance for Physiotherapy
- Types of Physiotherapies
- Need of Physiotherapy
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.
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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.
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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.
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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 Insurer Network Hospitals
Health Insurance for Physiotherapy: FAQs
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& 039;s prescription to apply for a physiotherapy claim under health insurance?
Yes, a doctor& 039;s prescription will be required to claim health insurance for physiotherapy.
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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