Physiotherapy Treatment Cover in Health Insurance

In this write-up, we will explore more about physiotherapy treatment covered under health insurance.

Physiotherapy: An Overview

Physiotherapy is an essential healthcare service that -

• Promotes health and holistic well-being of an individual
• Prevents functional abnormalities, impairments, and disabilities in individuals who are prone to altered movement owing to health issues, socio-economic stress, and lifestyle problems
• Intervenes to restore the functioning of the body system to enable movement, facilitate function and recuperation, minimise disability, and enhance the quality of life

In other words, physiotherapy is a type of medical treatment that emphasises treating the effect or distress caused to natural body movement.

Types of Physiotherapy

Discussed below are the different types of physiotherapy -

• Neurological Physiotherapy - At times, physiotherapy is used to manage early signs of strokes and issues associated with spinal cord or motor degenerative disease. This allows patients to lead a normal life without any aggravated issues.
• Orthopaedic Physiotherapy - This type of physiotherapy is used to treat physical injuries occurring in bones, joints, and ligaments. It facilitates better and faster recovery while minimising the chances of injury occurring again.
• Geriatric Physiotherapy - With age, the body undergoes several changes. This may lead to ailments such as joint pain, trouble in performing daily activities, or muscle pain. Another problem that can occur with age is the loss of muscle and the body becoming weak. Geriatric physiotherapy helps in managing these problems. The treatment helps in handling movement-related issues and offers slow relief in joints or muscle to help you live life normally.
• Paediatric Physiotherapy - This kind of physiotherapy specially helps in treating children’s health problems such as complications faced during birth, birth abnormalities, or other problems that occur early in life. It is primarily used to help children live their lives normally.

Types of Physiotherapy Treatments

Different health issues require different kinds of physiotherapy treatments including -

• Basic Therapy - In this treatment, the joints and muscles of the patient are relaxed through therapeutic massages with the goal of improving their mobility.
• Hydrotherapy - This type of treatment is especially for patients suffering from arthritis. In this therapy type, the patient is made to sit in water that has a temperature range between 30 and 36 deg. C. The patient then performs exercises as per instructions to soothe the joint pain.
• Electrical Nerve Stimulation Therapy - This type of physiotherapy treatment deals with reviving a dead nerve that causes problems in mobility or reviving a muscle that has gone stiff. Under this therapy, an electric blanket or electrodes are placed on the affected body area to stimulate it.

Why is It Important to Cover Physiotherapy Treatment?

Physiotherapy often requires several visits to the specialist, which can lead to accumulating costs over time. Having physiotherapy cover in your policy can assist in paying for regular physio treatments up to the policy limits.

Beyond the financial aspect, physiotherapy can greatly enhance your quality of life. Skilled physiotherapists possess clinical expertise in assessing and educating individuals dealing with chronic pain. Through their unique skills, they can lead patients in supervised exercise programs aimed at improving overall function and quality of life.

What All Physiotherapy Services are Covered?

The basic physiotherapy treatments covered include -

• Antenatal therapies for pregnant women
• Hydrotherapy
• Dry needling
• Electrotherapy
• Compression-wear

Does Health Insurance Cover Physiotherapy Treatment?

Not every health insurance plan includes coverage for physiotherapy treatment. Basic and medium cover health insurance plans typically exclude this benefit, whereas comprehensive plans are more likely to include it.

As you might have noticed while exploring health insurance options, comprehensive plans come with a higher cost compared to basic or medium cover plans. However, if you don’t have any pre-existing conditions when getting the insurance, your rates are likely to be lower.

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