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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.
36 features mapped
6 coverage topics
Start here8
The concerns that cost the most when a plan gets them wrong
Step 1Coverage Directory
Every category, decoded
All 6 coverage topics in one place - start with the worry on your mind, and open the features that decide it.
Step 2Feature Library
Cancer & serious illness
Every feature behind Cancer & serious illness, deciders first - pick one to see how the plans differ.
2 more features here look much the same across the plans we cover - they rarely decide the choice.
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.
Every plan, ranked11 · 1 strong · 1 standard · 1 limited · 8 not covered
ICICI LombardStrongElevateIn-patient + Outpatient
Strong
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.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
Eligible SettingIn-patient + Outpatient
Only Available After Specific Trigger ConditionsYes
Annual capCovered up to full Sum Insured
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 HealthStandardStar Health AssureIn-patient + Outpatient
Standard
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.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
Eligible SettingIn-patient + Outpatient
Only Available After Specific Trigger ConditionsYes
Annual cap20% of Sum Insured per year
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 HealthLimitedCare SupremeOptional add-on
Limited
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.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Only Available After Specific Trigger ConditionsYes
Annual capFixed annual amount
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.
Star HealthNot coveredSuper StarNot in this plan, and not sold as an add-on
Not covered
Super Star has no rehabilitation benefit. Rest cure, rehabilitation and respite care are named in the policy's standard exclusion Code Excl 05, so an admission arranged mainly for recovery care rather than active treatment is not paid, and no optional cover adds one.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
Custodial care at home or in a nursing facility, the help with bathing, dressing and moving around that a stroke or spine patient needs after discharge, is named in the same exclusion, so you pay for an attendant yourself.
HDFC ERGONot coveredOptima RestoreNot in this plan, and not sold as an add-on
Not covered
Rehabilitation is not covered. Both documents exclude rest cure, rehabilitation and respite care under the standard Excl05 exclusion, and neither Schedule of Benefits has a row for it. The exclusion reaches custodial care at home or in a nursing facility as well.
Coverage detailstap any row to understand it
How it's coveredNot covered
Star HealthNot coveredStar ComprehensiveNot in this plan, and not sold as an add-on
Not covered
Rehabilitation is not covered. The policy excludes rest cure, rehabilitation and respite care under standard exclusion Code Excl 05.
Coverage detailstap any row to understand it
How it's coveredNot covered
Star HealthNot coveredFamily Health OptimaNot in this plan, and not sold as an add-on
Not covered
This plan does not cover rehabilitation. Rest cure, rehabilitation and respite care are named in the standard exclusions, so a structured recovery programme after a stroke or major surgery is not paid, whether it is taken at a rehabilitation centre or at home.
Coverage detailstap any row to understand it
How it's coveredNot covered
Care HealthNot coveredCare AdvantageNot in this plan, and not sold as an add-on
Not covered
Care Advantage does not pay for rehabilitation. The policy defines the word, then permanently excludes rest cure, rehabilitation and respite care - so a recovery programme after a stroke or major surgery, such as physiotherapy, occupational therapy or speech therapy, is not covered. No optional cover adds it.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
The exclusion also names custodial care at home or in a nursing facility, and care for someone who is terminally ill. If recovery support matters for your family, it has to be budgeted separately or bought elsewhere.
Aditya BirlaNot coveredActiv One · VYTLNot in this plan, and not sold as an add-on
Not covered
This product has no rehabilitation benefit. Rest cure, rehabilitation and respite care are named together in the standard exclusions, and there is no physiotherapy, occupational therapy or speech therapy cover anywhere in the policy. You pay for recovery sessions after a stroke or a major surgery from your own pocket once you are discharged.
Coverage detailstap any row to understand it
How it's coveredNot covered
HDFC ERGONot coveredOptima Secure · Optima-SelectNot in this plan, and not sold as an add-on
Not covered
This product does not cover rehabilitation. The standard exclusion Excl05 removes rest cure, rehabilitation and respite care, and neither benefit chart carries a row for physiotherapy or a recovery programme.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
After a stroke or a major surgery, your therapy sessions are paid from your own pocket unless they are part of an admissible hospital stay.
Niva BupaNot coveredReAssure 3.0 · ClassicNot in this plan, and not sold as an add-on
Not covered
There is no general rehabilitation benefit. An admission mainly for rest cure, rehabilitation or respite care is a named exclusion. Rehabilitation is funded in only two narrow ways: physiotherapy inside the 60-day pre and 180-day post hospitalisation window when it relates to a paid claim, and home physiotherapy under the optional Accident Care benefit - which starts only after an accident has left permanent total or permanent partial disability, and is capped in rupees by your Sum Insured level.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
An admission taken mainly for rehabilitation is excluded under Excl05, so a residential rehabilitation stay is paid nothing even when a doctor has recommended it.
Step 4Shortlist
Your decision so far
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Nothing kept yet
Tap the bookmark on any plan in the comparison above and it lands here. Then pick one to read it in full, or two to compare.
Or read one we prepared for RehabilitationSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
Every feature, A to Z
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