Is regular physiotherapy after an accident covered by insurance policies in India? Can I take an add-on cover for it?
—Sanket Bhatia
No. In general health insurance policies, physiotherapy expenses are not covered. Health insurance policies require minimum hospitalization of 24 hours for claims to be admissible. Select health insurance policies provide an add-on for OPD expenses. In case the policy covers for OPD, then you may claim for physiotherapy expenses.
However, physiotherapy recommended by the doctor after hospitalization, could be paid under post-hospitalization expenses. Standard health insurance policies cover 30 and 60 days of pre- and post- hospitalization expenses.
