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/Rehabilitation
Find what matters most to you.
Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
41 features mapped
6 coverage topics
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The concerns that cost the most when a plan gets them wrong
Step 1Coverage Directory
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Step 2Feature Library
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Step 3Plan Comparison
What is Rehabilitation in health insurance?
Covers structured recovery programmes - like physiotherapy, occupational therapy, or speech therapy - after a serious injury, stroke, or major surgery. These sessions help you regain strength and normal function, but are often not covered under standard plans.
ICICI Lombard
Elevate
LimitedCommonly Missed
There is no standalone rehabilitation benefit. Physiotherapy sits inside the 180-day post-hospitalisation window, and the wording says the insurer may include it when a doctor prescribes it as medically necessary.
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Watch out
Because the base cover pays physiotherapy only as a post-hospitalisation expense, therapy for a back or knee problem that never led to an admission is not paid. BeFit has its own 30-day waiting period, and unused sessions do not carry into the next policy year.
Star Health
Star Health Assure
StandardCommonly Missed
Rehabilitation is paid up to 20% of your Sum Insured a year, shared with pain management, and covers sessions taken as an in-patient or an out-patient. It applies only after an admissible in-patient claim for one of four conditions: poly trauma, head injury, diseases of the spine, or stroke.
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The catch
Rehabilitation after any other condition - a knee replacement, a cardiac procedure - is excluded. On ₹10,00,000 cover the most you can get is ₹2,00,000, and only for the four listed conditions.
Care Health
Care Supreme – Base
LimitedCommonly Missed
There is no general rehabilitation cover here. Rehabilitation is paid only under the optional Mental Health Wellbeing benefit, and only for four named conditions: acute depression, obsessive compulsive disorder, anxiety and post traumatic stress disorder. It is an outpatient benefit, cashless only, capped at the amount in your Policy Schedule. Physiotherapy after a stroke or a major surgery is not covered.
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Watch out
The benefit exists only if the optional cover is shown in your Policy Schedule. The prospectus states the limit as 10,000, 25,000 or 50,000 a year depending on the option you buy, and it is payable only through the cashless route.
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Or read a full head-to-headSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
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