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Health Insurance Schemes

Comprehensive health coverage and medical insurance schemes designed for persons with disabilities across India.

₹1-5L
Annual Coverage Range
50Cr+
People Covered by Ayushman Bharat
No
Pre-existing Condition Exclusions

Major Health Insurance Programs

Government and specialized health insurance schemes providing comprehensive medical coverage

Niramaya Health Insurance

The National Trust Scheme

Specialized health insurance for persons with intellectual disabilities, autism, cerebral palsy, and multiple disabilities under The National Trust.

Coverage

₹1,00,000 annual coverage for hospitalization, OPD, therapies (physio, speech, occupational), and transportation

Premium

₹250/year (income <₹15k/month), ₹500/year (income >₹15k/month), Free for BPL

Benefits

No pre-insurance medical tests, pre-existing conditions covered, cashless treatment

Apply Online
Ayushman Bharat PM-JAY

World's Largest Health Program

Universal health coverage for economically vulnerable families, including comprehensive disability care and treatments.

Coverage

₹5,00,000 per family per year for secondary and tertiary care hospitalization

Eligibility

Bottom 40% economically vulnerable families, automatically identified through SECC-2011

Benefits

Cashless treatment, pre-existing conditions covered, 1,393+ treatment packages

Check Eligibility
National Insurance Company

Divyangjan Sanjeevani Policy

Specialized health insurance policy for persons with disabilities, offering comprehensive coverage for medical expenses and rehabilitation.

Coverage

Hospitalization, therapy sessions, assistive devices, pre-existing conditions

Benefits

Disability-specific coverage, rehabilitation support, cashless treatment

View Policy Details
Central Government Health Scheme

CGHS for Government Employees

Comprehensive health coverage for central government employees and pensioners, including disability-specific benefits.

Coverage

OPD, hospitalization, medicines, specialized treatments, family coverage

Benefits

Comprehensive disability coverage, rehabilitation support, cashless treatment

CGHS Portal

Private Health Insurance Companies

Leading private insurance providers offering specialized health coverage for persons with disabilities

SBI General Insurance

Divyanga Suraksha Policy

Specialized health insurance plan for differently-abled individuals with comprehensive coverage including therapy and rehabilitation.

Coverage

Hospitalization, therapy sessions, assistive devices, pre-existing conditions

Benefits

Disability-specific benefits, therapy coverage, cashless treatment

Get Quote
ICICI Lombard

Disability Coverage Plans

Health insurance plans with special provisions for mentally and physically challenged individuals.

Coverage

Mental health coverage, rehabilitation support, specialized treatments

Benefits

Comprehensive disability coverage, therapy sessions, assistive devices

Learn More
Star Health Insurance

Special Care Gold

Comprehensive health insurance with special care provisions for individuals with disabilities.

Coverage

Special care benefits, comprehensive coverage, therapy sessions

Benefits

Disability-specific coverage, rehabilitation support, assistive devices

View Plan
Bajaj Allianz

Disability Plans

Comprehensive health insurance plans with special coverage provisions for people with disabilities.

Coverage

Therapy coverage, assistive devices, specialized treatments

Benefits

Disability-inclusive policies, rehabilitation support, family coverage

Learn More
Care Insurance

Worry-Free Coverage

Health insurance solutions designed for differently-abled persons to lead a worry-free life with comprehensive coverage.

Coverage

Comprehensive disability coverage, therapy sessions, assistive devices

Benefits

Disability-specific benefits, rehabilitation support, family coverage

Get Coverage
Niva Bupa

Disability Coverage

Health insurance plans covering physically and mentally disabled individuals with comprehensive benefits.

Coverage

Physical and mental disability coverage, therapy sessions, rehabilitation

Benefits

Comprehensive disability benefits, specialized treatments, assistive devices

Explore Plans
Chola Insurance

Disability Support

Specialized health insurance coverage for disabled persons with comprehensive medical benefits.

Coverage

Comprehensive medical benefits, therapy coverage, assistive devices

Benefits

Disability-specific coverage, rehabilitation support, specialized treatments

View Plans
PolicyBazaar

Comparison Platform

Compare health insurance plans specifically designed for handicapped and disabled individuals.

Coverage

Multiple plan comparison, expert guidance, disability-specific options

Benefits

Easy comparison, expert advice, best rates for disability coverage

Compare Plans
PolicyX

Swavlamban Scheme

Information on Swavlamban health insurance scheme and other disability coverage options.

Coverage

Swavlamban scheme details, disability coverage options, government schemes

Benefits

Comprehensive information, scheme comparison, expert guidance

Learn More
Acko Insurance

Digital Health Plans

Modern digital health insurance solutions specifically designed for disabled individuals in India.

Coverage

Digital-first approach, disability-specific coverage, easy online process

Benefits

Quick online application, instant policy issuance, comprehensive coverage

Get Quote
Bajaj FinServ

Disability Insurance

Comprehensive health insurance information and plans for disabled individuals across India.

Coverage

Comprehensive disability coverage, therapy sessions, assistive devices

Benefits

Disability-specific benefits, rehabilitation support, family coverage

Explore Options
Future Generali

Government Schemes Guide

Comprehensive guide to government health insurance schemes available for disabled individuals in India.

Coverage

Government scheme information, disability coverage options, policy guidance

Benefits

Expert guidance, comprehensive information, scheme comparison

View Guide
Reliance General

Specially Abled Plans

Health insurance solutions specifically designed for specially abled individuals with comprehensive coverage.

Coverage

Specially abled coverage, therapy sessions, assistive devices

Benefits

Comprehensive disability coverage, rehabilitation support, specialized treatments

Get Details
Go Digit

Accessible Health Plans

Digital-first health insurance platform offering accessible plans for disabled individuals.

Coverage

Accessible health plans, disability coverage, digital-first approach

Benefits

Easy online process, comprehensive coverage, disability-specific benefits

Get Started

Additional Health Coverage Options

State-specific schemes and supplementary health insurance programs

State Health Schemes

Contact your state disability department for specific schemes

Government Employee Schemes

For central/state government employees and pensioners

MyScheme Portal

One-stop portal for all government schemes

Private Health Insurance Companies Summary

Comprehensive list of private insurance providers offering specialized coverage for persons with disabilities

Major Insurance Companies

  • • SBI General - Divyanga Suraksha
  • • ICICI Lombard - Disability Coverage
  • • Star Health - Special Care Gold
  • • Bajaj Allianz - Disability Plans
  • • Care Insurance - Worry-Free Coverage

Specialized Providers

  • • Niva Bupa - Disability Coverage
  • • Chola Insurance - Disability Support
  • • Reliance General - Specially Abled Plans
  • • Go Digit - Accessible Health Plans
  • • Acko Insurance - Digital Health Plans

Comparison Platforms

  • • PolicyBazaar - Plan Comparison
  • • PolicyX - Swavlamban Scheme
  • • Bajaj FinServ - Disability Insurance
  • • Future Generali - Government Guide
  • • MyScheme Portal - Centralized Access

Key Features of Private Health Insurance for Disabilities

Coverage Benefits

  • • Hospitalization expenses
  • • Therapy sessions (physio, speech, occupational)
  • • Assistive devices and equipment
  • • Pre-existing condition coverage
  • • Rehabilitation support

Special Features

  • • Cashless treatment at network hospitals
  • • Family coverage options
  • • No pre-insurance medical tests
  • • Digital-first application process
  • • Expert guidance and support

How to Apply for Health Insurance

Step-by-step guide to accessing health insurance benefits

1. Check Eligibility

Verify eligibility criteria for different schemes based on income, disability type, and state of residence.

2. Gather Documents

Collect disability certificate, income proof, Aadhaar card, and other required documents.

Apply for UDID Card

3. Apply Online/Offline

Submit application through official websites or visit nearest enrollment centers.

4. Receive Coverage

Get health card/policy and start accessing cashless treatment at empaneled hospitals.

Need Help with Health Insurance?

Get assistance with applications, claims, and understanding your health coverage options

Find NGO Support

NGO Support for Health Insurance

Get direct assistance from specialized NGOs for health insurance applications

Office of the Chief Commissioner for Persons with Disabilities
NGO Support

Quasi-judicial body for rights protection and grievance redressal

New Delhi, India
011-24364822
ccdisabilities@nic.in
Visit Website
ASTHA
NGO Support

National disability helpline and policy guidance

Delhi-based (multiple centers)
011-46625150 (Helpline)
info@asthaindia.org
Visit Website
Sarthak Educational Trust
NGO Support

Vocational training NGO with benefits awareness programs

Building No 1, Mohammadpur, near Bhikaji Cama Place, New Delhi - 110066
011-42004238
contact@sarthakindia.org
Visit Website
ADAPT (Able Disabled All People Together)
NGO Support

Pioneering organization for comprehensive disability support

Upper Colaba Road, Colaba, Mumbai - 400005
022-22181051
varshah.adapt@gmail.com
Visit Website
NGO Darpan
NGO Support

Database of all registered NGOs in India, Track NGO activities, funding, and compliance, Apply for NGO registration (FCRA, etc.)

NGO Darpan itself is an online portal and doesn't have public walk-in offices
011-23096612 (NITI Aayog general contact)
info@niti.gov.in (mention 'NGO Darpan query' in subject)
Visit Website