Understanding the Differences: TCM vs Physiotherapy

Traditional Chinese Medicine (TCM) is rooted in centuries-old principles of holistic healing. It’s based on concepts such as Qi (the body’s energy flow) and the need to maintain balance between internal systems.

TCM treatment modalities include acupuncture, herbal remedies, cupping, and Tui Na (therapeutic massage). Rather than targeting symptoms in isolation, TCM looks at the body as a whole — seeking to identify and treat the underlying imbalances that may be causing discomfort or illness.

Physiotherapy, on the other hand, is a science-backed medical discipline focused on improving movement, restoring function, and managing pain. Treatments are tailored to specific injuries or conditions, using methods such as manual therapy, exercise prescription, electrotherapy, and structured rehabilitation programmes.

Physiotherapists often work with patients recovering from physical injuries, surgeries, or neurological conditions, helping them regain mobility and prevent further injury.

When to Choose TCM vs Physiotherapy in Singapore

The decision between TCM and physiotherapy often comes down to your specific condition and goals.

Choose TCM if you’re dealing with:

• Chronic pain conditions, such as arthritis, migraines, or back pain.
• Stress-related disorders and a desire for overall wellness support.
• Long-term management of chronic illnesses alongside Western medicine.
• Non-musculoskeletal issues such as digestive problems, insomnia, or menstrual irregularities.

Because it treats the body holistically, TCM is particularly useful if you are looking to address the root cause of discomfort rather than just alleviating symptoms. Many people use TCM as a complementary therapy to maintain long-term wellness and balance.

Opt for physiotherapy if you need support with:

• Recovery after a sports injury, bone fracture, or surgery.
• Rehabilitation following a stroke or neurological event.
• Managing persistent musculoskeletal pain, joint stiffness, or mobility issues.
• Preventive care — improving strength, posture, and range of motion.

Physiotherapy uses evidence-based practices to help you function better in daily life, reduce pain, and avoid re-injury. It’s especially effective for targeted recovery and physical reconditioning.

How to Claim for TCM and Physiotherapy Treatments in Singapore

Getting the right treatment is just one part of the puzzle. Knowing how to claim for it — and whether your health insurance supports it — is just as crucial.

1. Check Your Health Insurance Policy

Not all health insurance plans in Singapore automatically cover TCM or physiotherapy. If you’re unsure, start by reviewing your health insurance policy for outpatient benefits. Some Corporate Insurance schemes — particularly those with flexible benefits or wellness allowances — include coverage for these services as well.

2. GP Referral Requirement

Before making an appointment, check if your insurer requires a GP referral. Some insurance plans need a general practitioner’s recommendation before they will reimburse physiotherapy sessions. For TCM, coverage is typically only granted if an MOH-registered TCM practitioner carries out the treatment.

3. Claiming Under MediSave and Private Insurance

Here’s how coverage typically works in Singapore:

• MediSave: You can use MediSave for physiotherapy treatments, but only under certain conditions (e.g., after surgery, or if part of an approved outpatient chronic disease management plan). TCM treatments, however, are not MediSave-claimable.
• Integrated Shield Plans (IP): Some Integrated Shield Plans offer physiotherapy coverage, but TCM coverage is far less common.
• Corporate or Personal Health Insurance: Depending on your employee benefits or chosen plan, outpatient treatments such as TCM and physiotherapy may be included.
• Riders and Outpatient Plans: Some riders allow additional coverage for multiple sessions, easing the burden of out-of-pocket costs.

Health Insurance Plans That Cover TCM and Physiotherapy in Singapore

Note: Coverage varies depending on the specific policy and rider. Always check with your insurer or HR department for the most accurate and updated benefits.

Know Your Coverage, Before You Need It

Both TCM and physiotherapy have their strengths, and depending on your condition, one might be more effective than the other. In many cases, they can also work hand-in-hand to provide holistic care and support recovery from multiple angles.

The key is knowing your health insurance entitlements in advance. That way, you can confidently seek the treatment you need, without worrying about high out-of-pocket expenses. Use our Coverage Checker to understand what your policy covers before symptoms worsen or recurring treatments are needed.

If you’re unsure which path to take, consult a qualified medical professional — they can help assess your condition and recommend the most suitable approach for your recovery.