The Government of India offers two health insurance policies exclusively for persons with disabilities.
1. Niramaya Health Insurance
This Government of India launched a health insurance plan that provides coverage for individuals with disabilities. It especially provides Rs. 1 lakh sum towards treating developmental disabilities addressed by the National Trust such as autism, mental retardation and cerebral palsy.
While buying Niramaya Health Insurance no medical tests are required. However, this policy can be availed only from the National Trust.
|
Age
criteria |
No
age limit |
|
Documents
required for enrolling |
Disability
Certificate |
|
Sum
insured |
Rs.
1,00,000 |
|
Coverage
limits |
Ongoing
therapy: Rs. 10,000, Hospitalisation: Rs. 70,000, Transportation expenses:
Rs. 1,000, Alternative medicines: Rs. 4,500, Outpatient department(OPD): Rs.
14,500 |
|
Premium
payable |
Family
income < Rs. 15,000: Rs. 250, Family income > Rs. 15,000: Rs. 500 |
2. Swavlamban Health Insurance
This is a group health insurance/family floater plan that covers both persons with disabilities and their family members. It offers coverage for conditions like blindness, hearing impairment, loco-motor disability, mental illness, etc. Even this health insurance plan does not require any pre-medical tests while buying. Also, there are no exclusions for pre-existing conditions.
|
Age
criteria |
18
to 65 years |
|
Family
income criteria |
Family
income < Rs. 3 lakh per annum |
|
Sum
insured |
Rs.
2,00,000 |
|
Premium
payable |
Rs.
3,100 (only 10% has to be paid from your pocket, |
|
Individuals
covered |
The
disabled person, his/her spouse and up to two children |
|
Documents
required for enrolling |
Identity
proof, Proposal form, Income certificate, |
