Documents for Physio and Chiropractic Insurance Claims

Before you claim

You have attended the appointment and paid the bill. Now you need to show the insurer what you are claiming and why. A tidy submission cannot make an excluded expense payable, but it can make the facts easier to assess and reduce avoidable requests for missing information.

Build a small claim folder

Use this as a preparation checklist, then confirm what your insurer actually requires:

Singlife’s employee outpatient checklist, for example, asks for bills or receipts and any applicable referral or medical report. That example is not a reason to order an expensive report before your insurer requests one. Singlife’s document guidance (see Sources).

• The policy or membership details and claim category.
• An accurate invoice or receipt for the relevant visit.
• A referral, prescription or recommendation if required.
• Supporting medical information requested for that benefit.
• Accident details or a hospital claim reference when relevant.
• Any earlier settlement statement if part of the bill has been reimbursed elsewhere.

Check the bill before leaving the clinic

Look for clear patient details, the visit date, provider identity, treatment description and amount. Ask the issuer to correct a genuine error rather than editing the document yourself.

A card-payment slip alone may not describe the service or patient adequately. Keep it with the clinic’s bill if useful, but follow the insurer’s instructions about the actual evidence it needs.

For a combined appointment, ask for an accurate breakdown where services are separately charged. Do not ask for chiropractic to be renamed physiotherapy to fit a benefit.

Make every page readable

Great Eastern’s document guide asks for complete, unaltered bills, clear images and separate photos for individual bills. It also recommends digital copies where available. Great Eastern’s bill-image guidance (see Sources).

Before uploading, open the file yourself. Check the corners, dates and totals. A small amount of preparation is worthwhile if it prevents a blurred photograph or missing second page from holding up the assessment.

Use neutral file names such as “visit-2026-11-13-invoice.pdf”. There is no need to include a detailed diagnosis in a file name when the supporting document already contains the requested information.

Submit, record and follow up

Use the insurer’s official portal or your employer’s designated process. Save the acknowledgement and claim reference. A saved draft is not the same as a submitted claim.

Keep a short log: visit date, amount, submission date, reference and next action. If the insurer requests a missing item, attach it to the existing claim when instructed rather than creating unnecessary duplicates.

Check the deadline for your particular plan. Do not wait for the end of a long treatment course unless the insurer has told you to submit that way.

Frequently asked questions