Health Insurance for Physiotherapy: Coverages and How to Buy?

Health insurance is like a financial protection for you in case of any health emergency because the expenses are paid by your policy provider as per your sum insured. Physiotherapy is a popular part of our healthcare system that helps in restoring the movement of your body parts in case of any injury that impacts it. But can we get a health insurance plan that covers the expenses of physiotherapy? In this article, we will understand in detail about physiotherapy and the importance of a health insurance policy if you are someone who is taking or requires physiotherapy.

What is Physiotherapy?

Physiotherapy is a treatment which utilizes physical methods like massages and exercises to restore the mobility of the body which is affected by any injury or illness. It is done under the guidance of physiotherapists and involves patients into their self care.

Common Conditions Treated with Physiotherapy 

The common conditions treated with the help of physiotherapy are:

Importance of Insurance Coverage for Physiotherapy

Buying a health insurance policy that covers physiotherapy can have multiple benefits:

• Relief From Financial Stress: Physiotherapy sessions can be expensive, especially for long-term treatment. Insurance can significantly reduce your out-of-pocket expenses.
• Access to Quality Care: With a health insurance policy, patients can afford to seek treatment from the best and most qualified physiotherapists.
• Better Health Management: Medical insurance coverage ensures that patients receive holistic care, experience quicker recovery, and get better health outcomes.
• Preventive Care: Timely physiotherapy sessions can prevent minor issues from escalating into severe problems, saving future healthcare costs.

Types of Health Insurance Plans Covering Physiotherapy

Different insurance providers offer different health insurance plans, which include physiotherapy. Generally, a comprehensive healthcare plan offers you physiotherapy, but you need to check your policy details. Also, you can opt for add-ons in your policy. Many insurance providers provide physiotherapy sessions as an add-on feature with their health policies. It’s just that you may have to pay an extra premium for that. Ask your health insurance company for plans that can provide you coverage for physiotherapy before you make a final purchase. 

How to Buy Health Insurance Plans Covering Physiotherapy?

You can buy a health insurance policy for physiotherapy through InsuranceDekho’s website where you can find and choose from a number of options. The steps are simple and easy to follow:

Step 1: Visit InsuranceDekho Website

Go to the InsuranceDekho website and click on the “Insurance” tab at the top. Choose the “Health Insurance” option.

Step 2: Fill in Your Details

Enter your name, gender, date of birth, mobile number, etc., on the next page. Then, click on the "View Plans for Free" button.

Step 3: Choose The Plan of Your Choice

Apply filters as needed and select the most suitable Health Insurance plan from the list. Consider adding add-ons for extra benefits after you have compared the top plans.

Step 4: Provide Specific Information

On the following page, input specific details such as your name, education, income, etc. Click on the "Next Step" button after filling them out.

Step 5: Pay Premium

Review the premium amount and click on the "Accept and Pay" button to make the premium payment for your selected Health Insurance Plan.

Step 6: Submit Proposal Form & Basic Documents

Following successful payment, proceed to submit the Proposal Form along with basic documents such as KYC and income proof and additional documents based on the responses you provided in the Proposal Form. 

Step 7: Medical Evaluation & Underwriting Review

You may have to undergo medical evaluation and later the underwriting team will thoroughly assess all submitted details, and then decide on the policy issuance.

Step 8: Policy Issuance

If approved, your Health Insurance policy will be issued and you will receive the confirmation on your registered email ID and phone number. 

Claim & Renewal Physiotherapy Health Insurance Plans

Claim Process:

1. You can claim your treatment plan either online or offline. 
2. Inform the insurance provider about the need for physiotherapy treatment in case you require cashless treatment. 
3. In case your treatment was not planned, submit required documents, including the physician's prescription, bills, and other required documents for reimbursement.

Renewal Process:

1. Assess the policy benefits and coverage annually.
2. Respond to the renewal notice sent by the insurer.
3. Pay the renewal premium within the stipulated time to avoid policy lapse.
4. Update any changes in personal health information..

Conclusion

Life is unpredictable! Any person can require physiotherapy at some point in their life. Having a health insurance plan that includes physiotherapy can help you save your costs and will allow you to focus on your health. Many insurance companies now a days are providing comprehensive health packages, which include physiotherapy as well. So, choose your health insurance plan wisely, considering all your needs and affordability. 

FAQs

Ques 1. Do we get physiotherapy in every health insurance plan? 

Ans: Not all health insurance plans cover physiotherapy. It's important to check the policy details to ensure it includes physiotherapy benefits.

Ques 2. Do I need a prescription to claim my physiotherapy expenses? 

Ans: Yes, most insurance providers require a prescription from a qualified healthcare professional to approve physiotherapy claims.

Ques 3. Is there a waiting period for physiotherapy coverage in health insurance plans? 

Ans: Yes, many plans have a waiting period, which can vary from a few months to a year. It's essential to review the policy terms.

If you have any queries related to your health insurance plan, you can reach out to us at +91-7551196989 or email us at support@insurancedekho.com