Health Insurance for People with Disabilities

The Indian government has launched multiple schemes for people with disabilities. These schemes focus on providing relief concerning their health insurance policies. However, they only offer coverage for essential medical treatments, meaning if a person with disabilities has to undergo serious procedures, they won’t receive any compensation. Multiple private insurance providers also offer necessary coverage, but these plans come at an unaffordable rate. That means, people with disabilities have limited insurance benefits.

Who is Defined as Disabled?

People suffering from the below-mentioned disabilities are deemed specially-abled:

  • Congenital Disability

Congenitally disabled persons are those who have been disabled right since birth. Common congenital conditions include cerebral palsy, cystic fibrosis, and heart conditions.

  • Accidental Disability

Accidental disability includes disability caused by accident. Under this category, people with impaired limbs and partial/total blindness are covered in case of an existing policy.

  • Mental Disability

This includes persons with psychiatric conditions, mental impairment, or behavioural distress.


Persons with congenital or mental disabilities are in the high-risk category. They do not receive complete coverage under the critical illness insurance policy, but persons with accidental disability do. There aren’t critical illness covers available specifically for persons with disabilities, but the government has some insurance options for them.

Government-Sponsored Health insurance Policies for Differently-Abled Individuals

Even though people with disabilities do not receive a special standalone cover or critical illness plan, the Indian Government offers medical insurance options. And they are:

  • Niramaya Health Insurance

It is health insurance for the disabled in India provided by the National Trust. The National Trust is a body of the Government’s Ministry of Social Justice and Empowerment. It works towards enabling full participation of people with disabilities living independently. The Niramaya Health insurance scheme aims to provide affordable health insurance to people having cerebral palsy, autism, multiple disabilities, and mental retardation.


The insured person gets a health insurance cover of ₹100,000. The health insurance premium for the disabled is ₹250 for persons with a family income of less than ₹15,000/month and ₹500 for persons with family income of more than ₹15,000/month.

  • Swavlamban Health Insurance Scheme

This scheme was launched in 2015 as per the PWD Act, 1995, to provide affordable health insurance for the disabled in India. It is an initiative by The New India Assurance Company Limited in partnership with the Ministry of Social Justice, Dept. of Empowerment of Persons with Disabilities. It covers people with low vision, blindness, leprosy, hearing impairment, mental illness, mental retardation, and loco-motor disability. The sum insured is ₹2 lakh for a year. It covers not just the person with the disability but also their family, with a family income of ₹3 lakh or less. The premium contribution is ₹357 per month. However, persons with cerebral palsy, autism, and multiple disabilities are not covered.


Read more: Government Health Schemes in India

Factors Determining the Eligibility Criteria for Health Insurance

Here are a few deciding factors of the eligibility conditions to buy health insurance for people with disabilities:

  • Current Health State

An insurance provider will check this as the first and foremost factor before providing a health insurance policy to people with disability. Insurance companies check the health status of the last two months to reduce their risk. If someone suffers from a chronic illness or issue while purchasing the policy, the insurer might reject the request for issuance of a policy.

  • Family Earnings

This is another crucial deciding factor that insurers take into consideration. These companies offer an appropriate insurance policy to differently-abled individuals based on their family’s overall income.

  • Premium Paying Capacity

Every insurance cover comes at a premium rate. Insurance companies check your bank accounts and statements to ascertain if you are eligible for a healthcare plan.

Health Insurance for People with Disabilities: Things to Keep in Mind

  • Documentation

Whether it is a government scheme or a private one, you will need to take a medical test at a government hospital and get a medical report from a registered doctor to take health insurance for the disabled in India.

  • Tax benefits

Under Section 80D of the Income Tax Act, taxpayers who are partially disabled get a tax deduction of up to ₹50,000. Severely disabled ones get a maximum deduction of ₹100,000 if they have health insurance for the disabled.

  • Premium

Insurers usually charge premiums according to current GST terms, age of the disabled person, and location. Take this into account while availing a policy from a private insurer.


Being disabled is not at all easy, but there are multiple sources of help available now. If, God forbid, a disability happens to you or your family members, having a health insurance cover will offer financial assistance amid medical emergencies. If you aren’t insured yet, it might be time to check out Family Health Insurance plans available on Bajaj MARKETS, which has tie-ups with 6,500+ hospitals across India.

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FAQs on Health Insurance for People with Disabilities

  • ✔️Which government scheme covers people with disabilities?

    Government schemes like Niramaya Health Insurance and Swavlamban Health Insurance cover people with disabilities.

  • ✔️Do private insurers offer health coverage for people with disabilities?

    Yes. Private insurers offer health coverage for people with disabilities.

  • ✔️Who is considered to be disabled under health insurance policies?

    People with below disabilities are considered disabled under health insurance schemes and policies: Congenital disability, Accidental disability, Mental disability

  • ✔️Why do people with disabilities need health insurance?

    Life can be challenging for the disabled due to multiple factors surrounding the disability. Health insurance can keep financial stress at bay during medical emergencies.

  • ✔️Do I have to share my medical reports to buy health insurance for people with disabilities?

    Yes. If you have a disability, you will be asked to share the latest medical reports.