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Best Health Insurance For Handicapped

Best Health Insurance For Handicapped in India

Access to quality healthcare is essential for everyone, but for individuals with disabilities, it becomes even more important. Health insurance for handicapped individuals in India is designed to cover medical expenses related to disabilities, ensuring financial support for treatments, hospital stays, and rehabilitation. However, finding the right insurance plan can be challenging, as many policies offer limited coverage or exclude pre-existing conditions.

India has a significant disabled population. According to the 2011 Census, around 26.8 million people (2.21% of the population) live with disabilities, with over 18 million in rural areas and about 8.1 million in urban areas.

India has a significant disabled population. According to the 2011 Census, around 26.8 million people (2.21% of the population) live with disabilities, with over 18 million in rural areas and about 8.1 million in urban areas.

India has a significant disabled population. According to the 2011 Census, around 26.8 million people (2.21% of the population) live with disabilities, with over 18 million in rural areas and about 8.1 million in urban areas.

More recent data from the National Family Health Survey (NFHS-5) conducted between 2019 and 2021 suggests that disability prevalence has increased to 4.52%, affecting approximately 63.28 million people. Disabilities vary widely—20.3% struggle with movement-related impairments, 18.9% with hearing issues, and 18.8% with visual impairments.

More recent data from the National Family Health Survey (NFHS-5) conducted between 2019 and 2021 suggests that disability prevalence has increased to 4.52%, affecting approximately 63.28 million people. Disabilities vary widely—20.3% struggle with movement-related impairments, 18.9% with hearing issues, and 18.8% with visual impairments.

More recent data from the National Family Health Survey (NFHS-5) conducted between 2019 and 2021 suggests that disability prevalence has increased to 4.52%, affecting approximately 63.28 million people. Disabilities vary widely—20.3% struggle with movement-related impairments, 18.9% with hearing issues, and 18.8% with visual impairments.

Despite these numbers, access to healthcare remains a major challenge. Many insurance policies in India provide only partial coverage for disabilities, often excluding essential treatments or long-term rehabilitation. This leaves individuals and families with significant out-of-pocket expenses, making it harder to afford the necessary medical care.

In this article, we’ll explore some of the best health insurance plans available in India for individuals with disabilities. Let’s get started.

Divyangjan Health Insurance Schemes Launched by the Indian Government

Features Niramaya Health Insurance Scheme Swavlamban Health Insurance Scheme
Eligibility Mandatory enrollment with The National Trust Family income has to be less than INR 3 Lakhs/annum.
Mandatory Documents Required Disability certificate, identity proof, and recent photograph Disability certificate, identity proof, and recent photograph
Number of Disabilities Covered Autism, Cerebral Palsy, Mental Retardation, and Multiple Disabilities All disabilities as defined under the Persons with Disabilities Act, 1995
Coverage Scope Comprehensive coverage including hospitalization, therapy, corrective surgeries, and transportation Hospitalization expenses, including pre and post-hospitalization
Instant Cover Coverage begins from the policy start date; no pre-insurance medical tests required Coverage begins after a 30-day waiting period from policy inception
Coverage for Complications Includes coverage for conditions requiring repetitive medical intervention Covers complications arising from pre-existing conditions after a waiting period
Cashless Facility/Network Hospitals Treatment can be availed at any hospital with no mandatory pre-insurance medical tests Cashless treatment available at empaneled hospitals
Pre/Post Hospitalization Covered, subject to policy limits Pre-hospitalization: 30 days; Post-hospitalization: 60 days
Premium Range Nominal fee of ₹250 for the person with a disability in the BPL (Below Poverty Line) category and ₹500 for people in the non-BPL category Rs. 3,100 p.a
(only 10% will be collected from the insured & 90% by the Indian government)
Coverage for OPD/Medication Hospitalization expenses limit: Rs. 70,000
OPD expenses limit: 14,500
Ongoing therapy complications: Rs. 10.000
Alternative Medicine Limit: Rs. 4,500
Transportation costs: Rs. 1,000
OPD cover of Rs. 3000 will be provided as part of the health insurance for the mentally disabled. Coverage is available for the disabled person, spouse, and two children.
Inclusions Hospitalization, therapies, corrective surgeries, transportation, pre-existing conditions Hospitalization expenses, pre and post-hospitalization, pre-existing conditions after waiting period
Exclusions Cosmetic surgeries, injuries due to hazardous activities, alternative treatments Cosmetic treatments, non-allopathic treatments, injuries due to self-harm
Waiting Period No waiting period for policy coverage 30-day initial waiting period; specific waiting periods for pre-existing conditions
Pre-existing Diseases Coverage Covered from day one without any waiting period Covered after a specified waiting period
Unique Benefits No pre-insurance medical tests; same premium across all ages; coverage for a wide range of therapies and interventions Provides coverage for Siddha, Ayurveda, AYUSH (homeopathy) care, and Unan
Sum Insured (in ₹) Up to ₹1 lakh per beneficiary Up to ₹2 lakh for the beneficiary and family members
Entry Age No age limits; All ages eligible 18 - 65 years
Policy Type Individual Family floater, covering PwD, spouse, and up to two children
Policy Tenure Period of coverage is provided till the end of the financial year, i.e. till March 31st. Period of coverage is provided for 12 months from the issue date of the policy

Top Health Insurance for Handicapped in India by Insurance Companies

Features HDFC ERGO EquiCover Health Plan SBI Divyanga Suraksha Special Care Gold by Star Health And Allied Insurance
Claim Settlement % 98.5%*
Claims Settled FY 23-24
98%*
Claims Settled FY 23-24
Not specified
Eligibility Covering Persons with Disability as per The Rights of Persons with Disabilities Act, 2016 and The Mental Healthcare Act,2017. Or Individuals with HIV/AIDS as defined under the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act, 2017. Persons who have at least one of the disabilities as defined under Specified Disability under The Rights of Persons with Disabilities Act, 2016 with valid disability certificate are eligible to buy this policy. person with 40% or more of a specified disability
as per, The Rights of Persons with Disabilities Act, 2016 Or / and for individuals with HIV/AIDS as defined under the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act, 2017.
Mandatory Documents Required Disability certificate issued by a competent authority. Disability certificate issued by a competent authority.
Number of Disabilities Covered 21 specified disabilities. 21 specified disabilities. 21 specified disabilities.
Coverage Scope In-Patient Care, Pre and Post-Hospitalization, AYUSH Treatment, Ambulance Charges. In-Patient Care, Pre and Post-Hospitalization, AYUSH Treatment, Ambulance Charges. In-Patient Care, Pre and Post-Hospitalization, AYUSH Treatment, Ambulance Charges.
Cashless Facility/Network Hospitals 12000+ 16,000+ 14,000+
Pre/Post Hospitalization Pre-Hospitalization: 30 days; Post-Hospitalization: 60 days. Pre-Hospitalization: 30 days; Post-Hospitalization: 60 days. Pre-Hospitalization: 30 days; Post-Hospitalization: 60 days.
Coverage for OPD/Medication Yes covered Yes covered Yes covered
Waiting Period 30 days for all illnesses (not applicable for accidents). 30 days for all illnesses (not applicable for accidents). Initial waiting period of 30 days for all illnesses (not applicable for accidents or on renewals)
Pre-existing Disability Coverage 24 months for pre-existing disability/ 36 months for all pre-existing conditions other than HIV/AIDS and
Disability(as mentioned in Policy Schedule)
24 months for pre-existing disability/ 48 months for all pre-existing conditions other than HIV/AIDS and Disability (as mentioned in Policy Schedule) 24 months for pre-existing disability/ 36 months for all pre-existing conditions other than HIV/AIDS and Disability (as mentioned in Policy Schedule)
Unique Benefits Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy,
Unani, Siddha and Homeopathy systems of medicines are covered up to 100% of sum
insured, during each policy year as specified in the policy schedule
Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Year up to 50% of sum insured as specified in the policy schedule in any AYUSH Hospital. Expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines are covered up to 100% of the Sum Insured.
Is Portability Available Yes. Yes.
Sum Insured (in ₹) INR 4Lac & 5Lac 4 lacs and 5 lacs 4 lacs and 5 lacs
Entry Age For Adult : 18 to 65 years
For Child : New born to 17 years
Age eligibility for adults: 18 years to 65 years
Age eligibility for Children: Newborn to 17 years
For Adults – Minimum - 18 years & Maximum - Up to 65 years
For Dependent Children – Newborn to 17 years
Policy Type (Individual, Family Floater) Individual Individual and Family Floater. Individual.
Policy Tenure 1 year. 1 year. 1 year.

* Please read the disclaimer at the end of this page before purchasing this policy.

Our Top 3 Recommended Health Insurance for Handicapped

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HDFC ERGO EquiCover Health

HDFC ERGO EquiCover Health

HDFC ERGO EquiCover Health

HDFC ERGO EquiCover Health is a specialised health insurance plan designed to provide financial protection for individuals with disabilities. Recognising the healthcare challenges faced by persons with disabilities, this policy covers medical expenses related to hospitalisation, surgeries, and modern treatments. It also extends support for pre- and post-hospitalisation costs, alternative treatments, and emergency ambulance services. With no upper age limit for renewal, this plan ensures long-term coverage, making it a reliable choice for individuals needing continuous medical care.

Why It Stands Out

Why It Stands Out

Why It Stands Out

Covers hospitalisation for people with disabilities as per the Rights of Persons with Disabilities Act, 2016-this includes conditions like cerebral palsy, autism, muscular dystrophy, and more.

Pre- and post-hospitalisation expenses covered-it pays for medical costs 30 days before hospitalisation and 60 days after discharge.

If you prefer AYUSH treatments (Ayurveda, Homeopathy, Naturopathy, etc.), those are covered too, up to 100% of the sum insured.

No restrictions on renewal age, so you don’t have to worry about losing coverage as you get older.

Covers modern treatments like robotic surgery, deep brain stimulation, and stem cell therapy-something many policies don’t include.

Covers cataract treatment (up to ₹40,000 per eye).

Potential Limitations

Potential Limitations

Potential Limitations

You’ll have to pay 20% of the claim amount unless you opt for a higher premium to remove this co-payment clause.

If you’re looking for instant coverage, keep in mind there’s a waiting period of 24 months for pre-existing disabilities (36 months for other pre-existing conditions).

The sum insured is either ₹4 lakh or ₹5 lakh, which might not be enough if someone needs long-term intensive care.

No cashless OPD or therapy coverage—you’ll have to pay out of pocket for things like regular therapy sessions.

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Niramaya Health Insurance Scheme (Government-Backed)

The Niramaya Health Insurance Scheme, launched by The National Trust under the Ministry of Social Justice & Empowerment, aims to make healthcare accessible and affordable for individuals with autism, cerebral palsy, mental retardation, and multiple disabilities. This government-backed scheme offers a flat premium rate across all age groups and provides coverage for hospitalisation, corrective surgeries, therapies, and alternative treatments. By eliminating the need for pre-insurance medical tests and offering nationwide coverage, Niramaya ensures that individuals with disabilities receive essential medical care without financial burden.

Why It Stands Out

No pre-insurance medical test required, making enrollment easier.

Covers hospitalisation expenses up to ₹70,000, including corrective surgeries.

Covers ongoing therapies like physiotherapy, speech therapy, and occupational therapy (₹10,000 per year).

Covers regular OPD consultations, medicines, and diagnostic tests (₹8,000 per year).

Alternative medicine treatments (₹4,500 per year) are also covered.

Works across India (except Jammu & Kashmir), making it accessible for most people.

Covers transportation costs (₹1,000 per year), which can help if travel is needed for medical care.

Affordable fixed premium, no matter the age.

Potential Limitations

Reimbursement-based-you have to pay upfront and claim the money back later, which can be difficult if finances are tight.

Limited coverage-₹1 lakh per year is helpful but may not be enough for someone needing frequent hospital visits or expensive procedures.

Only available to people with specific disabilities listed under The National Trust Act—if the condition isn’t on the list, it won’t be covered.

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Swavlamban Health Insurance Scheme

If you’re looking for an affordable government-backed health insurance plan that offers family coverage, Swavlamban is a great choice. It’s designed for people with any disability under the Persons with Disabilities Act, 1995, making it one of the most inclusive disability insurance plans available.

Why It Stands Out

Covers all types of disabilities, not just specific ones, making it broader than most other plans.

Super affordable—you pay only 10% of the premium (₹310 per year), and the government covers the rest.

Family floater plan—unlike other disability-specific policies, this one covers the disabled person, their spouse, and two children under the same policy.

Sum insured is ₹2 lakh, which is higher than some other government-backed schemes.

Covers OPD (outpatient care) expenses—provides ₹3,000 per year for OPD treatments, medicines, and diagnostic tests.

Includes alternative treatments—if you prefer Ayurveda, Siddha, or Homeopathy, those treatments are covered too.

Potential Limitations

Waiting period of 30 days for new policyholders, plus additional waiting time for pre-existing conditions.

Coverage cap of ₹2 lakh-while helpful, it might not be enough for major surgeries or long-term treatments.

Entry age restriction (18-65 years)-not available for children under 18, which could be a limitation for families looking to cover younger dependents.

What is Disability?

Disability means having a physical or mental condition that makes certain activities or interactions more challenging. This can affect how a person moves, communicates, or processes information. Some people are born with a disability, while others may develop one due to an accident, illness, or a long-term health condition. Disabilities can be visible, like difficulty walking, or less obvious, like challenges with learning or mental health. No matter the type, it’s important to remember that having a disability doesn’t define a person-it’s just one part of who they are. With the right support and understanding, individuals with disabilities can lead fulfilling and
independent lives.

Who is Considered Disabled?

A person is considered disabled if they have a physical or mental condition that significantly limits their ability to perform daily activities. Disabilities can be present from birth or develop later due to accidents, illnesses, or aging. They may affect movement, vision, hearing, learning, or mental well-being, impacting how a person interacts with their surroundings.

Types of Disabilities

Disabilities Present from Birth (Congenital Disabilities)

Some disabilities are present from birth due to genetic factors or complications during pregnancy. These conditions can affect physical movement, brain development, or organ function. Examples include spina bifida, cerebral palsy, cystic fibrosis, and Fragile X syndrome. Since these conditions start early in life, early medical care and therapy often help in managing them better.

Some disabilities are present from birth due to genetic factors or complications during pregnancy. These conditions can affect physical movement, brain development, or organ function. Examples include spina bifida, cerebral palsy, cystic fibrosis, and Fragile X syndrome. Since these conditions start early in life, early medical care and therapy often help in managing them better.

Some disabilities are present from birth due to genetic factors or complications during pregnancy. These conditions can affect physical movement, brain development, or organ function. Examples include spina bifida, cerebral palsy, cystic fibrosis, and Fragile X syndrome. Since these conditions start early in life, early medical care and therapy often help in managing them better.

Disabilities Caused by Accidents

Some disabilities result from accidents, injuries, or unexpected events. These can affect a person permanently or temporarily, depending on the severity of the injury. Accidental disabilities are usually classified into three types:

Some disabilities result from accidents, injuries, or unexpected events. These can affect a person permanently or temporarily, depending on the severity of the injury. Accidental disabilities are usually classified into three types:

Some disabilities result from accidents, injuries, or unexpected events. These can affect a person permanently or temporarily, depending on the severity of the injury. Accidental disabilities are usually classified into three types:

Total Disability – The person loses the ability to perform any work or daily activities independently, such as in cases of total paralysis or loss of both hands or legs.

Total Disability – The person loses the ability to perform any work or daily activities independently, such as in cases of total paralysis or loss of both hands or legs.

Total Disability – The person loses the ability to perform any work or daily activities independently, such as in cases of total paralysis or loss of both hands or legs.

Partial Disability – Some functions are lost, but the person can still manage other activities. This could include the loss of one limb or limited mobility in certain body parts.

Partial Disability – Some functions are lost, but the person can still manage other activities. This could include the loss of one limb or limited mobility in certain body parts.

Partial Disability – Some functions are lost, but the person can still manage other activities. This could include the loss of one limb or limited mobility in certain body parts.

Temporary Disability – The person is unable to perform activities for a certain period but can recover with time and treatment, such as a severe fracture or spinal injury that heals over months.

Temporary Disability – The person is unable to perform activities for a certain period but can recover with time and treatment, such as a severe fracture or spinal injury that heals over months.

Temporary Disability – The person is unable to perform activities for a certain period but can recover with time and treatment, such as a severe fracture or spinal injury that heals over months.

Many insurance providers offer coverage for accidental disabilities, providing financial support to those affected. Health insurance for disabled veterans is one example of such coverage.

Many insurance providers offer coverage for accidental disabilities, providing financial support to those affected. Health insurance for disabled veterans is one example of such coverage.

Many insurance providers offer coverage for accidental disabilities, providing financial support to those affected. Health insurance for disabled veterans is one example of such coverage.

Mental Health-Related Disabilities

Some disabilities are not physical but affect a person’s emotions, thinking, and behaviour. Mental disabilities can impact daily life, relationships, and work. Conditions such as depression, autism, anxiety disorders, and schizophrenia fall under this category. These conditions often require medical treatment, therapy, and ongoing support to help individuals manage their symptoms and lead a stable life.

Some disabilities are not physical but affect a person’s emotions, thinking, and behaviour. Mental disabilities can impact daily life, relationships, and work. Conditions such as depression, autism, anxiety disorders, and schizophrenia fall under this category. These conditions often require medical treatment, therapy, and ongoing support to help individuals manage their symptoms and lead a stable life.

Some disabilities are not physical but affect a person’s emotions, thinking, and behaviour. Mental disabilities can impact daily life, relationships, and work. Conditions such as depression, autism, anxiety disorders, and schizophrenia fall under this category. These conditions often require medical treatment, therapy, and ongoing support to help individuals manage their symptoms and lead a stable life.

Who Can Buy Health Insurance for Handicapped?

If you or a loved one has a disability, health insurance is available to provide financial support for medical expenses. In India, anyone with a disability recognised under The Rights of Persons with Disabilities Act, 2016 can apply for a health insurance plan designed for individuals with disabilities.

To be eligible, the person must have at least 40% disability as defined in the Act. A valid disability certificate is required when applying for the policy. The sum insured under these plans usually ranges from ₹4 lakh to ₹5 lakh, covering hospitalisation, treatments, and other medical needs.

To be eligible, the person must have at least 40% disability as defined in the Act. A valid disability certificate is required when applying for the policy. The sum insured under these plans usually ranges from ₹4 lakh to ₹5 lakh, covering hospitalisation, treatments, and other medical needs.

To be eligible, the person must have at least 40% disability as defined in the Act. A valid disability certificate is required when applying for the policy. The sum insured under these plans usually ranges from ₹4 lakh to ₹5 lakh, covering hospitalisation, treatments, and other medical needs.

Whether the disability is physical or mental, health insurance options are available to help manage medical costs and ensure proper care.

Whether the disability is physical or mental, health insurance options are available to help manage medical costs and ensure proper care.

Whether the disability is physical or mental, health insurance options are available to help manage medical costs and ensure proper care.

How is Eligibility Determined?

When applying for insurance, certain factors help decide whether coverage can be approved and how much the premium will be. Two important aspects that insurance companies consider are health conditions and family income.

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Health Condition

Your current health plays a major role in determining eligibility for insurance. Companies assess whether any existing medical conditions could increase risk. The premium amount is based on this assessment, as higher health risks often lead to higher costs.

For individuals with disabilities, insurers may review medical history from the past few months to understand the extent of risk involved. This helps them decide whether coverage can be offered and under what conditions. In some cases, if the risk is too high, the company may deny coverage altogether.

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Family’s Earning Capacity

Insurance providers also look at family income before issuing a policy. This helps them decide on a suitable coverage amount and premium that the insured person can afford. Many companies ask for bank statements from recent months to check financial stability. Based on this, they determine how much coverage can be provided and whether the applicant can keep up with premium payments.

By considering both health and financial factors, insurers ensure that the policy is manageable for the individual while also balancing their own risk.

What is Disability Insurance?

Disability insurance is a type of coverage that provides financial support if you are unable to work due to an illness or injury. It replaces a portion of your income, helping you cover daily expenses, medical bills, and other financial commitments while you recover. This insurance ensures that even if you can’t earn a paycheck for a while, you still have a steady source of income to manage your needs. Whether it’s a short-term issue or a long-term condition, disability insurance helps reduce financial stress so you can focus on getting better.

Types of Disability Insurance

There are two types of disability insurance in India, and both serve different needs. Understanding them can help you choose the right coverage based on your situation.

Short-Term Disability Insurance

This covers lost income for a limited period if you can’t work due to an illness or injury. It usually lasts from a few weeks to a few months, depending on the policy. The payout starts after a short waiting period, often a week or two. It's useful for temporary health issues like surgeries or recovery from minor accidents.

This covers lost income for a limited period if you can’t work due to an illness or injury. It usually lasts from a few weeks to a few months, depending on the policy. The payout starts after a short waiting period, often a week or two. It's useful for temporary health issues like surgeries or recovery from minor accidents.

This covers lost income for a limited period if you can’t work due to an illness or injury. It usually lasts from a few weeks to a few months, depending on the policy. The payout starts after a short waiting period, often a week or two. It's useful for temporary health issues like surgeries or recovery from minor accidents.

Long-Term Disability Insurance

This provides income if you're unable to work for an extended time, often years or even until retirement, depending on the policy. The waiting period is longer, usually a few months, but the coverage lasts much longer. It's meant for serious conditions that prevent you from working for an extended period, like major illnesses or permanent disabilities.

This provides income if you're unable to work for an extended time, often years or even until retirement, depending on the policy. The waiting period is longer, usually a few months, but the coverage lasts much longer. It's meant for serious conditions that prevent you from working for an extended period, like major illnesses or permanent disabilities.

This provides income if you're unable to work for an extended time, often years or even until retirement, depending on the policy. The waiting period is longer, usually a few months, but the coverage lasts much longer. It's meant for serious conditions that prevent you from working for an extended period, like major illnesses or permanent disabilities.

Why Should People with Disabilities Get Health Insurance?

Healthcare can be expensive, and for people with disabilities, medical needs can sometimes be more frequent or specialised. Having health insurance ensures that necessary treatments and hospital visits are covered without causing financial stress. Here’s why getting a health insurance plan designed for people with disabilities can be a smart decision:

Large Number of People with Disabilities in India: A significant number of people in India live with disabilities. According to the 2011 Census, about 2.68 crore people in the country have some form of disability. Many regular health insurance plans do not cover the unique medical needs of disabled individuals, leaving them without proper financial support. A health insurance policy designed specifically for people with disabilities helps cover medical expenses that might otherwise be overlooked.

Large Number of People with Disabilities in India: A significant number of people in India live with disabilities. According to the 2011 Census, about 2.68 crore people in the country have some form of disability. Many regular health insurance plans do not cover the unique medical needs of disabled individuals, leaving them without proper financial support. A health insurance policy designed specifically for people with disabilities helps cover medical expenses that might otherwise be overlooked.

Large Number of People with Disabilities in India: A significant number of people in India live with disabilities. According to the 2011 Census, about 2.68 crore people in the country have some form of disability. Many regular health insurance plans do not cover the unique medical needs of disabled individuals, leaving them without proper financial support. A health insurance policy designed specifically for people with disabilities helps cover medical expenses that might otherwise be overlooked.

Wide Coverage for Different Disabilities: Health insurance for disabled individuals in India covers a range of conditions, including hearing impairment, mental health disorders, visual impairment, autism, and more. Just like anyone else, people with disabilities can get coverage for hospitalisation, advanced treatments, daycare procedures, ambulance costs, and pre- and post-hospitalisation expenses. This ensures that necessary medical care is accessible without financial strain.

Wide Coverage for Different Disabilities: Health insurance for disabled individuals in India covers a range of conditions, including hearing impairment, mental health disorders, visual impairment, autism, and more. Just like anyone else, people with disabilities can get coverage for hospitalisation, advanced treatments, daycare procedures, ambulance costs, and pre- and post-hospitalisation expenses. This ensures that necessary medical care is accessible without financial strain.

Wide Coverage for Different Disabilities: Health insurance for disabled individuals in India covers a range of conditions, including hearing impairment, mental health disorders, visual impairment, autism, and more. Just like anyone else, people with disabilities can get coverage for hospitalisation, advanced treatments, daycare procedures, ambulance costs, and pre- and post-hospitalisation expenses. This ensures that necessary medical care is accessible without financial strain.

Protection from Rising Medical Costs: Healthcare costs in India are increasing rapidly, and quality treatment is becoming more expensive. For individuals with disabilities, managing medical bills can be even more challenging, especially with limited income sources. A health insurance plan helps cover medical expenses, ensuring that necessary treatments can be accessed without worrying about high costs. Instead of delaying treatment due to financial concerns, insurance allows for timely medical care, improving overall well-being.

Protection from Rising Medical Costs: Healthcare costs in India are increasing rapidly, and quality treatment is becoming more expensive. For individuals with disabilities, managing medical bills can be even more challenging, especially with limited income sources. A health insurance plan helps cover medical expenses, ensuring that necessary treatments can be accessed without worrying about high costs. Instead of delaying treatment due to financial concerns, insurance allows for timely medical care, improving overall well-being.

Protection from Rising Medical Costs: Healthcare costs in India are increasing rapidly, and quality treatment is becoming more expensive. For individuals with disabilities, managing medical bills can be even more challenging, especially with limited income sources. A health insurance plan helps cover medical expenses, ensuring that necessary treatments can be accessed without worrying about high costs. Instead of delaying treatment due to financial concerns, insurance allows for timely medical care, improving overall well-being.

Which Disabilities are Covered by Health Insurance Plans in India?

Health insurance plans in India cover various medical needs for people with disabilities, including:

Hospital stays and medical expenses before and after hospitalisation

Hospital stays and medical expenses before and after hospitalisation

Hospital stays and medical expenses before and after hospitalisation

Treatments like cataract surgery and modern medical procedures

Treatments like cataract surgery and modern medical procedures

Treatments like cataract surgery and modern medical procedures

AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy)

AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy)

AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy)

Day care procedures that don’t need long hospital stays

Day care procedures that don’t need long hospital stays

Day care procedures that don’t need long hospital stays

Emergency ambulance services for immediate medical help

Emergency ambulance services for immediate medical help

Emergency ambulance services for immediate medical help

In-patient dental and plastic surgery for injury-related cases

In-patient dental and plastic surgery for injury-related cases

In-patient dental and plastic surgery for injury-related cases

Optional: Co-payment waiver for reduced out-of-pocket costs

Optional: Co-payment waiver for reduced out-of-pocket costs

Optional: Co-payment waiver for reduced out-of-pocket costs

Which Disabilities Aren't Covered by Health Insurance Plans in India?

Here are some expenses that are usually not included in health insurance for individuals with disabilities in India:

Costs related to cosmetic or reconstructive surgery

Costs related to cosmetic or reconstructive surgery

Costs related to cosmetic or reconstructive surgery

Expenses for prosthetic implants or other internal/external devices

Expenses for prosthetic implants or other internal/external devices

Expenses for prosthetic implants or other internal/external devices

Consultations and treatments under outpatient care (OPD)

Consultations and treatments under outpatient care (OPD)

Consultations and treatments under outpatient care (OPD)

Charges for consumables used during treatment

Charges for consumables used during treatment

Charges for consumables used during treatment

Costs for dietary supplements and nutritional products

Costs for dietary supplements and nutritional products

Costs for dietary supplements and nutritional products

Storage of stem cells for future use

Storage of stem cells for future use

Storage of stem cells for future use

Experimental or unproven medical treatments

Experimental or unproven medical treatments

Experimental or unproven medical treatments

Rehabilitation programs and respite care services

Rehabilitation programs and respite care services

Rehabilitation programs and respite care services

Medical treatments received outside India

Medical treatments received outside India

Medical treatments received outside India

Why You Should Consider Disability Insurance in India

Here's why buying disability insurance in India is a good idea:

Financial Security During Tough Times: A sudden disability can put a stop to your earnings, but your daily expenses won’t wait. Disability insurance provides regular payouts to help cover household expenses, medical bills, loan repayments, and other financial needs. This ensures that you don’t have to rely on savings or borrow money to get through a difficult time.

Financial Security During Tough Times: A sudden disability can put a stop to your earnings, but your daily expenses won’t wait. Disability insurance provides regular payouts to help cover household expenses, medical bills, loan repayments, and other financial needs. This ensures that you don’t have to rely on savings or borrow money to get through a difficult time.

Financial Security During Tough Times: A sudden disability can put a stop to your earnings, but your daily expenses won’t wait. Disability insurance provides regular payouts to help cover household expenses, medical bills, loan repayments, and other financial needs. This ensures that you don’t have to rely on savings or borrow money to get through a difficult time.

Keeps Your Family Protected: If your family depends on your income, a disability can put them under financial strain. Insurance acts as a safety net, ensuring that you can continue to meet essential expenses like rent, education, and daily needs even if your earnings stop.

Keeps Your Family Protected: If your family depends on your income, a disability can put them under financial strain. Insurance acts as a safety net, ensuring that you can continue to meet essential expenses like rent, education, and daily needs even if your earnings stop.

Keeps Your Family Protected: If your family depends on your income, a disability can put them under financial strain. Insurance acts as a safety net, ensuring that you can continue to meet essential expenses like rent, education, and daily needs even if your earnings stop.

Covers Medical and Rehabilitation Costs: Dealing with a disability often comes with high medical costs, including hospital stays, therapy, medication, and rehabilitation. Some disability insurance plans also provide coverage for these expenses, reducing the burden on you and your family.

Covers Medical and Rehabilitation Costs: Dealing with a disability often comes with high medical costs, including hospital stays, therapy, medication, and rehabilitation. Some disability insurance plans also provide coverage for these expenses, reducing the burden on you and your family.

Covers Medical and Rehabilitation Costs: Dealing with a disability often comes with high medical costs, including hospital stays, therapy, medication, and rehabilitation. Some disability insurance plans also provide coverage for these expenses, reducing the burden on you and your family.

Helps Maintain Your Standard of Living: Without a steady income, maintaining the same lifestyle can be difficult. Insurance payouts help you manage day-to-day expenses, allowing you to continue living with dignity and without making drastic financial compromises.

Helps Maintain Your Standard of Living: Without a steady income, maintaining the same lifestyle can be difficult. Insurance payouts help you manage day-to-day expenses, allowing you to continue living with dignity and without making drastic financial compromises.

Helps Maintain Your Standard of Living: Without a steady income, maintaining the same lifestyle can be difficult. Insurance payouts help you manage day-to-day expenses, allowing you to continue living with dignity and without making drastic financial compromises.

Protection Against Long-Term Impact: Some disabilities are temporary, while others can affect your ability to work permanently. Disability insurance helps in both cases by offering short-term or long-term financial support, depending on the plan you choose. This ensures that you’re covered whether you need assistance for a few months or many years.

Protection Against Long-Term Impact: Some disabilities are temporary, while others can affect your ability to work permanently. Disability insurance helps in both cases by offering short-term or long-term financial support, depending on the plan you choose. This ensures that you’re covered whether you need assistance for a few months or many years.

Protection Against Long-Term Impact: Some disabilities are temporary, while others can affect your ability to work permanently. Disability insurance helps in both cases by offering short-term or long-term financial support, depending on the plan you choose. This ensures that you’re covered whether you need assistance for a few months or many years.

Peace of Mind for the Future: Knowing that you have financial backup in case of an unexpected disability brings peace of mind. You won’t have to worry about how you’ll manage expenses or take care of your loved ones if something unexpected happens.

Peace of Mind for the Future: Knowing that you have financial backup in case of an unexpected disability brings peace of mind. You won’t have to worry about how you’ll manage expenses or take care of your loved ones if something unexpected happens.

Peace of Mind for the Future: Knowing that you have financial backup in case of an unexpected disability brings peace of mind. You won’t have to worry about how you’ll manage expenses or take care of your loved ones if something unexpected happens.

Tax Benefits: In India, disability insurance premiums are eligible for tax deductions under Section 80D of the Income Tax Act. This means you not only secure your future but also reduce your tax burden.

Tax Benefits: In India, disability insurance premiums are eligible for tax deductions under Section 80D of the Income Tax Act. This means you not only secure your future but also reduce your tax burden.

Tax Benefits: In India, disability insurance premiums are eligible for tax deductions under Section 80D of the Income Tax Act. This means you not only secure your future but also reduce your tax burden.

Things to Keep in Mind When Buying a Disability Health Insurance Policy

Getting a disability health insurance policy is an important step in protecting yourself and your family from financial stress in case of an accident or illness that leads to disability. But with so many options available, it’s important to choose a policy that actually meets your needs. Here are some things to consider before making a decision.

1

Type of Coverage

Disability insurance policies can cover temporary or permanent disabilities, and some also provide partial or full coverage depending on the severity of the condition. Check whether the policy covers both accident-related and illness-related disabilities. Some plans may only cover accidents, which can leave you unprotected in case of a serious illness.

2

Payout Structure

Different policies have different ways of providing financial support. Some offer a lump sum amount, while others provide regular payouts like a monthly income. Think about what would work best for you. If your family depends on your income, a plan that gives regular payouts might be more helpful.

3

Waiting Period

Most insurance policies have a waiting period before the benefits start. This could be anywhere from a few months to a couple of years, depending on the policy. Make sure you are aware of this period so you know when you can actually start receiving benefits if needed.

4

Premium and Benefits Balance

A lower premium might look attractive, but it often means fewer benefits. Compare different plans and find one that gives a good balance between affordability and useful coverage. Paying slightly more for a policy that provides strong financial support can be worth it in the long run.

5

Exclusions and Limitations

All policies have certain exclusions—conditions or situations they don’t cover. Common exclusions may include pre-existing disabilities, self-inflicted injuries, or certain high-risk activities. Read the policy carefully so you’re not caught off guard later.

6

Claim Process and Settlement Ratio

A good insurance policy should have a smooth and hassle-free claim process. Check the insurer’s claim settlement ratio, which tells you how often they approve claims. A high settlement ratio means a better chance of getting your claim approved when you need it the most.

7

Additional Benefits

Some policies offer extra benefits like rehabilitation support, hospital cash allowance, or even coverage for home modifications if you need adjustments to your living space after a disability. These small details can make a big difference in the long run.

8

Policy Renewal and Lifetime Coverage

Check if the policy allows renewal for a lifetime or has an age limit. A policy that covers you for life ensures long-term protection, especially since the risk of disability increases with age.

FAQs

FAQs

Can a person with a disability get health insurance?

Can a person with a disability get health insurance?

Can a person with a disability get health insurance?

Does health insurance cover permanent disability?

Does health insurance cover permanent disability?

Does health insurance cover permanent disability?

Can parents buy health insurance for a disabled child?

Can parents buy health insurance for a disabled child?

Can parents buy health insurance for a disabled child?

Are pre-existing disabilities covered under health insurance?

Are pre-existing disabilities covered under health insurance?

Are pre-existing disabilities covered under health insurance?

Do health insurance plans for disabled individuals have a co-payment clause?

Do health insurance plans for disabled individuals have a co-payment clause?

Do health insurance plans for disabled individuals have a co-payment clause?

What factors decide if a person qualifies for a health insurance policy?

What factors decide if a person qualifies for a health insurance policy?

What factors decide if a person qualifies for a health insurance policy?

Is AYUSH treatment covered under the Swavlamban Health Insurance Scheme?

Is AYUSH treatment covered under the Swavlamban Health Insurance Scheme?

Is AYUSH treatment covered under the Swavlamban Health Insurance Scheme?

Are mental health treatments covered under Swavlamban Health Insurance?

Are mental health treatments covered under Swavlamban Health Insurance?

Are mental health treatments covered under Swavlamban Health Insurance?

How much is the enrolment or renewal fee for the NIRAMAYA Health Insurance Scheme?

How much is the enrolment or renewal fee for the NIRAMAYA Health Insurance Scheme?

How much is the enrolment or renewal fee for the NIRAMAYA Health Insurance Scheme?

What types of disabilities are covered under health insurance for differently-abled individuals?

What types of disabilities are covered under health insurance for differently-abled individuals?

What types of disabilities are covered under health insurance for differently-abled individuals?

Disclaimer

Claim Settlement Ratio: The claim settlement percentage mentioned is based on past data and may vary in the future depending on the insurer’s claim performance and approval policies. It does not guarantee claim acceptance.

Claim Settlement Ratio: The claim settlement percentage mentioned is based on past data and may vary in the future depending on the insurer’s claim performance and approval policies. It does not guarantee claim acceptance.

Claim Settlement Ratio: The claim settlement percentage mentioned is based on past data and may vary in the future depending on the insurer’s claim performance and approval policies. It does not guarantee claim acceptance.

Sum Insured: The sum insured varies depending on the policy type, age of the insured, and insurer guidelines. Please check the policy documents for specific sum insured options available to you.

Sum Insured: The sum insured varies depending on the policy type, age of the insured, and insurer guidelines. Please check the policy documents for specific sum insured options available to you.

Sum Insured: The sum insured varies depending on the policy type, age of the insured, and insurer guidelines. Please check the policy documents for specific sum insured options available to you.

Waiting Period: Health insurance policies have a waiting period for specific conditions, including pre-existing disabilities and diseases. The duration varies across insurers and plans (e.g., 24-48 months for pre-existing disabilities). Claims filed within this period may be denied.

Waiting Period: Health insurance policies have a waiting period for specific conditions, including pre-existing disabilities and diseases. The duration varies across insurers and plans (e.g., 24-48 months for pre-existing disabilities). Claims filed within this period may be denied.

Waiting Period: Health insurance policies have a waiting period for specific conditions, including pre-existing disabilities and diseases. The duration varies across insurers and plans (e.g., 24-48 months for pre-existing disabilities). Claims filed within this period may be denied.

Pre-existing Disease Coverage: Coverage for pre-existing disabilities and conditions is subject to a waiting period and other policy conditions. Ensure you verify the exact waiting period and coverage terms before purchasing.

Pre-existing Disease Coverage: Coverage for pre-existing disabilities and conditions is subject to a waiting period and other policy conditions. Ensure you verify the exact waiting period and coverage terms before purchasing.

Pre-existing Disease Coverage: Coverage for pre-existing disabilities and conditions is subject to a waiting period and other policy conditions. Ensure you verify the exact waiting period and coverage terms before purchasing.

Cashless Treatment: The number of network hospitals offering cashless treatment may change. Policyholders should confirm the latest empaneled hospitals with their insurer before seeking treatment.

Cashless Treatment: The number of network hospitals offering cashless treatment may change. Policyholders should confirm the latest empaneled hospitals with their insurer before seeking treatment.

Cashless Treatment: The number of network hospitals offering cashless treatment may change. Policyholders should confirm the latest empaneled hospitals with their insurer before seeking treatment.

Portability Option: Portability is subject to approval by the new insurer and must be requested before the renewal date. Acceptance depends on the insurer’s underwriting process and prior claim history.

Portability Option: Portability is subject to approval by the new insurer and must be requested before the renewal date. Acceptance depends on the insurer’s underwriting process and prior claim history.

Portability Option: Portability is subject to approval by the new insurer and must be requested before the renewal date. Acceptance depends on the insurer’s underwriting process and prior claim history.

Coverage Scope: The benefits, sub-limits, and inclusions/exclusions for hospitalisation, OPD, and medication may differ between policies. Read the detailed policy wording for exact coverage conditions.

Coverage Scope: The benefits, sub-limits, and inclusions/exclusions for hospitalisation, OPD, and medication may differ between policies. Read the detailed policy wording for exact coverage conditions.

Coverage Scope: The benefits, sub-limits, and inclusions/exclusions for hospitalisation, OPD, and medication may differ between policies. Read the detailed policy wording for exact coverage conditions.

Premium Calculation: The premium amount is determined by factors like the policyholder’s age, sum insured, medical history, and the insurer’s underwriting guidelines. Premiums may be revised annually.

Premium Calculation: The premium amount is determined by factors like the policyholder’s age, sum insured, medical history, and the insurer’s underwriting guidelines. Premiums may be revised annually.

Premium Calculation: The premium amount is determined by factors like the policyholder’s age, sum insured, medical history, and the insurer’s underwriting guidelines. Premiums may be revised annually.

Policy Tenure: Policies have different tenures (e.g., 1 to 3 years). Renewal terms and premium adjustments are based on the insurer’s pricing policies and claims experience.

Policy Tenure: Policies have different tenures (e.g., 1 to 3 years). Renewal terms and premium adjustments are based on the insurer’s pricing policies and claims experience.

Policy Tenure: Policies have different tenures (e.g., 1 to 3 years). Renewal terms and premium adjustments are based on the insurer’s pricing policies and claims experience.

Refill/Restoration Benefit: If available, this benefit may have specific conditions such as whether it applies to the same illness, a different illness, or only after the base sum insured is fully exhausted.

Refill/Restoration Benefit: If available, this benefit may have specific conditions such as whether it applies to the same illness, a different illness, or only after the base sum insured is fully exhausted.

Refill/Restoration Benefit: If available, this benefit may have specific conditions such as whether it applies to the same illness, a different illness, or only after the base sum insured is fully exhausted.

Exclusions: Each policy has specific exclusions, including cosmetic treatments, self-inflicted injuries, and alternative treatments beyond AYUSH coverage. Please check the policy terms for a complete list of exclusions.

Exclusions: Each policy has specific exclusions, including cosmetic treatments, self-inflicted injuries, and alternative treatments beyond AYUSH coverage. Please check the policy terms for a complete list of exclusions.

Exclusions: Each policy has specific exclusions, including cosmetic treatments, self-inflicted injuries, and alternative treatments beyond AYUSH coverage. Please check the policy terms for a complete list of exclusions.

This comparison table is for informational purposes only. Always verify details with the official insurer website, policy brochure, or customer support before making a final decision.

This comparison table is for informational purposes only. Always verify details with the official insurer website, policy brochure, or customer support before making a final decision.

This comparison table is for informational purposes only. Always verify details with the official insurer website, policy brochure, or customer support before making a final decision.

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Copyright © 2025 MWYN Tech Pvt Ltd. All rights reserved.

Make the Move

What are you waiting for?

MWYN Tech Private Limited

CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Copyright © 2025 MWYN Tech Pvt Ltd. All rights reserved.

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MWYN Tech Private Limited

CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Copyright © 2025 MWYN Tech Pvt Ltd. All rights reserved.