Your physiotherapy sessions may be free. 

Physiotherapy is often covered under insurance, but the way you claim depends on the type of plan. Accident plans and company outpatient benefits each have their own rules and understanding them helps you avoid hassle and maximise reimbursement. 

🚑 Accident Plan (Parked with Medical)

Accident plans sit under medical benefits, which usually means higher reimbursement compared to categories like TCM or wellness. They apply when your injury comes from a sudden, external event: such as a fall, collision at the gym, field, home, or office.

How to claim:

✅ Get a doctor’s referral: this is usually mandatory to show physiotherapy is medically necessary.

✅ In the referral, state the accident clearly (e.g., “fall during basketball,” “external impact from a car door”).

🏥 Company Outpatient Benefits

Outpatient benefits are more flexible and don’t require an accident to be stated. They’re suitable for conditions like injuries, posture issues, chronic pain, or sports overuse injuries. It may 

How to claim:

⚠️ A referral may or may not be required depending on your company’s policy.

📑 Note: The claim limit may be stated clearly under physiotherapy benefits, or it may be parked together under outpatient specialist benefits..

✅ Always check with HR for policy specifics, coverage amounts, and financial year claim limits.

Message us directly if you have any questions!