Physiotherapy insurance claim in Malaysia: pay and claim

How pay and claim works

• 1. Check your policy for outpatient physiotherapy, post-hospitalisation treatment or accident cover before you start.
• 2. Attend your sessions at Jom Physio in Pasir Puteh, or by appointment in Kota Bharu, and pay at the clinic.
• 3. Ask for your claim documents. We prepare them for you.
• 4. Submit the claim to your insurer or takaful operator through their app, portal, agent or branch.

There is no medical card or direct billing at our clinic. Whether you are reimbursed, and how much, is decided by your insurer under your policy terms. We cannot promise that any claim will be approved.

Documents we provide

• Official receipt for every payment
• Itemised bill listing each session and treatment, with dates
• Doctor's report or letter from our doctor, Dr Ahmad Mustaqim, describing your condition and the treatment given

Tell us at your first visit that you plan to claim, so the documents can be prepared as you go. Keep your own copies of everything you submit.

If your insurer sends its own claim form with a section for the treating doctor, bring it to the clinic and ask our team about it. Check the form early, because some insurers want specific details such as diagnosis, treatment dates and the number of sessions.

Is physiotherapy covered by insurance?

It depends entirely on your plan. In published policy material we have seen, cover for physiotherapy usually falls under one of these:

• Post-hospitalisation treatment in a medical card plan, within a set period after discharge (for example, one published plan covers treatment within 90 days after discharge)
• Personal accident plans that reimburse outpatient medical expenses caused by an accident, up to the plan limit
• Employer group or outpatient plans, which may list physiotherapy as a benefit

Many plans also require a doctor's referral, a claim within a time limit, or a cap per year. Call your insurer or agent before you begin and ask exactly what they need. Our Malay guide lists claim channels for major companies: bayar dan claim insurans dan takaful.

PERKESO (SOCSO): by referral only

Jom Physio is a PERKESO panel physiotherapy centre. However, PERKESO treatment always starts with a referral from a PERKESO Case Manager (Pegawai Pengurus Kes). Patients cannot register themselves for PERKESO physiotherapy at our clinic. If you were injured at work or while commuting and have an active PERKESO case, ask your Case Manager about a referral. Details in Malay: PERKESO and kecederaan kerja.

What physiotherapy costs at Jom Physio

• 1 session: RM140 to RM170 (the first session is usually RM150)
• 3 sessions RM340 · 5 sessions RM550 · 8 sessions RM720
• Laser, 3 sessions: RM225 · Home physiotherapy: RM150 per visit

We do not run discounts or promotions. Package details: pakej fisioterapi.

Tips for a smoother claim

• Keep your hospital discharge summary if your physiotherapy follows an admission
• Note the date of any accident and keep the police report if there is one
• Submit within the time limit stated in your policy
• Use the insurer's app or portal where possible so you can track the claim status

Where we are

Our centre in Padang Pak Amat, Pasir Puteh is open every day from 9am to 10.30pm, with SIS, HILT laser and shockwave available. Patients from Kota Bharu, Bachok and Machang can also book sessions by appointment at Klinik Etika Kota Bharu, Jalan Dusun Muda, for assessment, manual therapy and exercise. See physiotherapy in Kelantan.

Jom Physio in English · Bahasa Melayu