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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.

How is Disability Determined in Health Insurance?

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

 

  • Congenital Disability

Congenitally disabled persons are those who have been disabled 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.

How to Look for Health Insurance for Disabled Persons?

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

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

 

  • Swavlamban Health Insurance Scheme

This health 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.

 

Let’s further compare Niramaya Health Insurance and Swavlamban Health Insurance:

 

Parameters

Niramaya Health Insurance

Swavlamban Health Insurance

Age Limit

No age limit

From 18 to 65 years of age

Eligibility

Must be registered with the National Trust

Family income below ₹3 lakh p.a.

Sum Insured

Coverage up to ₹1 lakh

Coverage up to ₹2 lakh

Premium Amount

For income less than ₹15,000: ₹250


For income more than ₹15,000: ₹500

₹3,100 (only 10% of this amount is collected from the policyholder)

Documents Needed

Disability certificate

Disability certificate, receipt of premium payment, proposal form, identity proof, and income certificate

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

If you want to buy health insurance for disabled persons, take note of the following factors:

 

  • 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 health insurance 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.

 

Conclusion

It is not news that being disabled is not easy. However, there are multiple sources of help available now. A health insurance cover, especially, 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. We have a range of policies that not only offer maximum coverage, but also facilitate cashless treatments.

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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.