Health Insurance for Persons with Disabilities by Govt. of India

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,
the rest will be funded by the Government)

Individuals covered

The disabled person, his/her spouse and up to two children

Documents required for enrolling

Identity proof, Proposal form, Income certificate,
Premium payment receipt