Health Insurance for Differently Abled Individuals
Updated On Nov 15, 2020
The Indian government has left no stone unturned in providing the best for the health of the differently-abled people. One such example of our country’s government working towards the betterment of the disabled is health insurance policies. Health insurance for the disabled covers multiple features and that too at a low premium. The differently-abled population of India has been given equal chances to secure their health and finances by choosing a health insurance plan, especially meant for them.
Who All Are Covered Under Differently Abled Category?
Individuals with a congenital disability, accidental disability, and mental disability are provided cover under health insurance plans specifically designed for the disabled. It is important for the differently-abled individuals to fill in correct and complete information when filling out the proposal form. If required, they should also submit different reports from their doctors. To sum up, differently-abled people should declare every single detail related to them in a clear manner.
What Are the Health Insurance Policies Available for the Differently Abled?
Health insurance policies that cover differently-abled people include:
- Swavlamban Health Insurance - Launched on 2nd October 2015 by the Government of India, Swavlamban Health Insurance Scheme is specifically designed to cater to the varied health insurance needs of people with disabilities. An extremely affordable choice, Swavlamban Health Insurance is a policy that provides comprehensive coverage at a premium of just Rs. 357. Available only to those with family annual income Rs. 3 Lakh and less, this reliable policy is meant for people aged 0 years to 65 years. Providing an annual cover of Rs. 2 Lakh, Swavlamban Health Insurance does not require one to undergo medical tests before taking the policy.
- Niramaya Health Insurance - Launched on 26th March 2008 by the Government of India, Niramaya Health Insurance is one of the best covers for people with disabilities. Designed to meet the precise health insurance needs of the disabled, Niramaya Health Insurance provides a cover of up to Rs. 1 Lakh, on a reimbursement basis. Featuring the facility for OPD expenses, the policy covers the cost of transportation. This comprehensive health insurance plan provides a single premium across age bands. The policy does not require the disabled to undergo medical tests before policy purchase. What’s best is that the differently-abled can avail the desired treatment from any hospital.
At Last
The Indian Government has kept all the requirements and needs of the disabled in mind while designing these specific policies for health insurance for differently-abled. If anyone in your known is differently-abled, make sure you tell them about these policies.
Through Swavlamban Health Insurance and Niramaya Health Insurance, the disabled can not only secure their health and financial condition for the coming times but also gain tax benefits.
Since premiums for both the policies are quite less, they differently-abled can make the most of a wide range of health benefits without shelling out their savings.
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
