Is Physiotherapy Covered In OPD Cover?

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Physiotherapy, also known as physical therapy, is a form of treatment that helps people recover from injuries, illnesses or disabilities through physical exercises, massage and other techniques. It is a crucial part of the healthcare system, and many people require it to recover from various conditions.

Physical therapy are often used to treat a wide range of conditions, including musculoskeletal disorders, neurological disorders, cardiopulmonary disorders and sports injuries.

However, the cost of physiotherapy can be high, and not everyone can afford it. Therefore, many people wonder if physiotherapy is covered in OPD cover in India.

OPD cover is a type of health insurance that covers the cost of outpatient treatments, such as doctor consultations, diagnostic tests and minor procedures. It is certainly different from inpatient cover, which covers the cost of hospitalisation and related expenses. OPD cover is becoming increasingly popular in India, as it provides financial protection against the rising cost of healthcare.

Generally, health insurance policies offers cover for Out Patient Department (OPD) to cover physiotherapy treatment. This means that if you have an OPD cover, you can claim the cost of physiotherapy from your health insurance provider. However, not all health insurance policies offer OPD cover, and even if they do, the coverage may be limited.

For example, health insurance plan covers the inpatient costs, yet it might not cover the doctor’s consultation expenses as part of  routine check-ups and so forth. This means that if you have an inpatient cover, you may not be able to claim the cost of physiotherapy unless it is part of your hospitalisation expenses. Therefore, it is essential to check the terms of your health insurance policy to know if physiotherapy is covered under it.

Moreover, OPD policies don’t cover the cost of cosmetic procedures, vitamins and supplements. Make sure that, even if you have an OPD cover, you may not be able to claim the cost of physiotherapy unless it is explicitly mentioned in your policy.

However, some health insurance providers offer OPD cover with physiotherapy benefits. Therefore, it is essential to choose a health insurance policy that offers OPD cover with physiotherapy benefits.

Summing up

In conclusion, physiotherapy is covered in OPD cover in India, but it depends on the terms and conditions of your health insurance policy. If your policy offers OPD cover, you may be able to claim the cost of physiotherapy from your health insurance provider.

However, if your policy does not offer OPD cover or has limited coverage, you may not be able to claim the cost of physiotherapy. Therefore, it is essential to choose a health insurance policy that offers comprehensive coverage, including OPD cover with physiotherapy benefits.


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The Information including but not limited to text, graphics, images and other material contained on this blog are intended for education and awareness only. No material on this blog is intended to be a substitute for professional medical help including diagnosis or treatment. It is always advisable to consult medical professional before relying on the content. Neither the Author nor Star Health and Allied Insurance Co. Ltd accepts any responsibility for any potential risk to any visitor/reader.

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