Accident Claims for Chiropractic and Physiotherapy

Before you claim

A missed step on the stairs, a collision during a game and an ache that has built up over weeks are different stories. When making a claim, describe what actually happened. You do not need to turn your experience into insurance language or guess a diagnosis.

Begin with the policy’s definition of an accident

Great Eastern’s personal accident guidance describes an accident in terms of a sudden, unforeseen injury and distinguishes it from illness or disease. Your policy’s exact definition and exclusions remain the deciding reference. Great Eastern accident claim guidance (see Sources).

For a sports-related injury, ask about the activity and circumstances, including any competition or occupational restrictions. Do not assume that every gym injury is covered, or that an injury is excluded simply because it happened while exercising.

Write down the date, place, activity and sequence of events while they are fresh in your memory. If there was no identifiable incident, say that plainly.

Check chiropractic and physiotherapy separately

One policy may place these services under different benefits. As an illustration, the published PA Assurance wording linked below separates accident medical expenses, which can include recommended physiotherapy, from its chiropractor/Chinese medicine practitioner section. This is version 202406B, so use the wording attached to your own policy for an actual claim. Income’s published policy example (see Sources).

Ask which section applies, which practitioner or referral is accepted and what limit remains. A previous payment for one treatment type does not answer those questions for another.

Record the incident and follow-up care accurately

Create a folder containing your incident notes, relevant medical documents, invoices and insurer correspondence. For subsequent sessions, ask whether to quote the original accident claim reference.

Check the submission deadline promptly. For example, Income’s personal accident claims page asks for submission as soon as possible and within 30 days of the insured event. That is an insurer-specific instruction, not a universal deadline for every plan. Income’s claims instructions (see Sources).

If you are still receiving treatment, ask how follow-up bills should be submitted rather than waiting until all care is complete.

If the injury happened at work

Tell your employer and ask which claims process applies. WICA has its own rules: MOM states that physiotherapy for a work-related accident may be claimable when provided at a qualifying licensed hospital, or, if provided elsewhere, when prescribed and billed by a Singapore-registered doctor or dentist. A standalone clinic receipt should not be assumed sufficient. MOM’s physiotherapy guidance (see Sources).

Do not postpone urgent medical attention while checking insurance. For a non-urgent appointment, contact Postura to clarify the service you are considering and take those details to your insurer.

Frequently asked questions