Don't Pay Out of Pocket — Your Insurance Covers Physiotherapy
Had surgery and need outpatient physiotherapy? Your medical insurance, corporate plan, travel insurance, or Selcare coverage likely covers your sessions. Here's how to claim.
How Insurance Works for Physiotherapy
Get Your Doctor's Referral
After surgery or treatment at a hospital, obtain a referral letter from your doctor for outpatient physiotherapy.
Contact Us
Reach out via WhatsApp with your referral letter and insurance details. We'll help confirm your coverage eligibility.
Begin Treatment
Start your physiotherapy sessions at our clinic or via home visit. Treatment typically begins within the 60-day insurance validity window.
Pay & Claim
You pay for each session and receive an official receipt. Submit the receipt to your insurance company to claim your reimbursement.
Types of Insurance We Work With
We have experience helping patients claim physiotherapy sessions through the following insurance categories.
Medical Insurance (Medical Card)
Finished surgery as an inpatient and need to continue with outpatient physiotherapy? Your medical card may cover your sessions. Validity is usually 60 days, depending on your insurance company.
Coverage depends on your medical card plan. Check with your insurance provider for details before starting treatment.
Corporate Staff Health Insurance
Many employers provide staff health insurance that covers outpatient physiotherapy. If your company offers a health benefits plan, you may be able to claim your sessions.
Check with your HR department to confirm your coverage before getting treatment.
Travel Insurance
Injured while travelling overseas? If you were repatriated to Malaysia and had surgery here, your travel insurance may cover post-operative physiotherapy. We've had patients successfully claim for injuries like skiing accidents — using the same pay-and-claim model.
Also operates on a pay-and-claim basis. Contact your travel insurance provider for coverage details.
Government Insurance (Selcare)
Kinesio Rehab is a Selcare panel provider. Government servants with Selcare coverage can receive physiotherapy at our clinic once approved.
- Check your Selcare eligibility
- Apply for approval through Selcare
- Once approved, begin treatment at our clinic
Good to Know
- Insurance validity is typically 60 days from surgery or hospital discharge — begin your physiotherapy early to maximise your coverage window.
- A doctor's referral letter is required for most insurance claims. Bring it to your first session along with your insurance details.
- We operate on a pay-and-claim model. You pay per session, receive an official receipt, and submit it to your insurance company for reimbursement.
- Confirm your coverage with your insurance provider or HR department before starting treatment, so there are no surprises.
Services You Might Need
Insurance & Claims FAQs
Do you accept insurance directly (cashless)?
We operate on a pay-and-claim basis. You pay for each session and we provide an official receipt that you submit to your insurance company for reimbursement.
What documents do I need to bring?
Please bring your doctor's referral letter, your insurance policy details (or medical card), and any relevant medical reports or imaging results from your surgery or treatment.
How long is the insurance validity period?
Typically 60 days from the date of surgery or hospital discharge, but this varies by insurance company and plan. Check with your insurance provider for exact terms.
Can I use my insurance for home visit physiotherapy?
This depends on your insurance plan. Some plans cover outpatient physiotherapy including home visits. Contact your insurance provider to confirm, then reach out to us to arrange sessions.
Which insurance companies do you work with?
We have experience processing claims with major insurers including Prudential, AIA, Zurich, and Great Eastern for medical card insurance. For corporate insurance, we work with PMCare, MyCare, Mediexpress, HealthMetrics, and HealthConnect. We are also a Selcare panel provider for government insurance.
Do I need a doctor's referral?
For insurance claims, yes — most insurance companies require a doctor's referral for outpatient physiotherapy. For self-paying patients, no referral is needed.
Have Questions About Insurance Coverage?
Not sure if your insurance covers physiotherapy? Reach out and we'll help you figure it out.