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According to the 2011 census, there are over 26.8 million people with disabilities (PwDs) in India—which is around 2.2% of the population, though other sources have higher estimates. When you have a physical or mental disability, everyday life itself can be harder, not to mention the financial strain of higher medical costs.
Since health insurance is one of the best ways to have financial security from medical costs, you might be wondering “Is there any health insurance for disabled people in India?”. Well, let us assure you that there are.
There are various government schemes for people with disabilities, but these tend to have limited coverage. Some private insurers also offer health insurance plans, though these are often more expensive. Let us take a look at the insurance benefits available to a person with disabilities:
In India, under the Persons with Disability (Equal Opportunities, Protection of Rights and Full Participation) Act, 1955, a person who has at least a 40% impairment is considered disabled. If they have more than one kind of disability, or more than 80% impairment, they are considered severely disabled.
Here are three major types of disabilities as they are classified in India:
Whether you’re buying a government-sponsored health insurance plan or you’re planning to go with a private insurer, before buying a health insurance policy for disabled individuals, there are some things that you keep in mind:
When filling out the proposal for their health insurance, you must declare your disabilities, and any other pre-existing conditions correctly. Not doing so can affect you at the time of claims.
You might be required to submit certain documents or medical reports. This usually includes a report from a doctor to understand the level of impairment of the disability (i.e. how much it affects a person’s ability to perform daily tasks).
You may also be asked to go through additional medical tests at a government authorized hospital from a registered doctor, and based on these tests and reports the insurer will decide whether or not to accept your insurance application.
Once your insurance application is accepted by a private insurer, remember that it is up to the insurer to decide the premium for your policy. This will vary based on your disability, age, family medical history, other pre-existing conditions, and more. Additionally, there will also be a GST of 18% charged on your premium.
While you might be apprehensive about a high premium, keep in mind that disabled individuals can avail of tax deduction benefits on their health insurance.
Section 80U of the Income Tax Act allows partially disabled people to get a tax deduction of up to ₹50,000, while severely disabled individuals can get tax deductions of up to ₹1 lakh.
And according to section 80DD, the family members can also get a deduction on insurance premiums for dependent disabled individuals.
As we have mentioned above, there are actually a few health insurance options for people with disabilities.
Individuals with accidental disabilities will be covered by most regular health insurance plans, with no extra clauses added. In fact, if they had a Personal Accident Cover before the accident, you will have extra financial security and a fixed benefit in case of some disablement.
However, it must be noted that Individuals with congenital and mental disabilities will fall under a high-risk category and thus either may not be covered by regular health insurance plans, or end up getting only partial coverage. Hence, they can look towards government schemes for better medical protection.
The Government of India offers two special health insurance schemes for those with disabilities:
Parameters |
Nirmalya Health Insurance |
Swavalamban Health Insurance |
Age Limit |
No age limits |
18-65 years |
Eligibility |
Must be enrolled with The National Trust |
Family income less than ₹3 Lakh per annum |
Sum Insured |
₹1 Lakh coverage |
₹2 Lakh coverage |
Coverage Limits |
Includes limits for: OPD expenses: ₹14,500, Ongoing therapy: ₹10,000, Alternative medicines: ₹4,500, Transportation costs: ₹1,000 |
Covers disabled person, spouse, and two children |
Premium |
₹250 (If family income is less than ₹15,000), ₹500 (If family Income is more than ₹15,000) |
₹3,100 (only 10% to be collected from the insured) |
Documents Required |
Valid disability certificate |
Disability certificate, Proposal form, Receipt of premium payment, Income certificate, Identity proof |
There are also some factors that will determine your eligibility criteria for health insurance. They are as follows:
If you or a family member lives with a disability, hopefully, now you have a better idea about what you can do buying a health insurance policy.
Unfortunately, there is still a lot of scope for improvement when it comes to health insurance for disabled individuals. Currently, only those disabled individuals who aren’t considered high-risk have options when it comes to private insurance plans. But there is sure to be reforms and improvements in the future so that everyone, even those with severe disabilities can be covered with health insurance too.
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Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form.
Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.
Last updated: 2024-03-14
CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.
Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.