Health Insurance Schemes
Comprehensive healthcare coverage for persons with disabilities
Ayushman Bharat
₹5L
Per family/year
Niramaya
₹1L
Per person/year
Beneficiaries
50Cr+
Covered population
Hospitals
25K+
Empanelled hospitals
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Healthcare Coverage for Persons with Disabilities
India provides comprehensive healthcare coverage through multiple government schemes specifically designed for persons with disabilities. These schemes offer free or subsidized medical treatment, surgeries, rehabilitation services, and assistive devices. The coverage includes both general healthcare and disability-specific treatments to ensure complete medical support.
Universal Coverage
Ayushman Bharat covers 50+ crore beneficiaries
Specialized Care
Disability-specific treatments and rehabilitation
Cashless Treatment
Direct settlement with empanelled hospitals
Major Government Health Schemes
Comprehensive healthcare coverage through government initiatives
Ayushman Bharat (PM-JAY)
Pradhan Mantri Jan Arogya Yojana
Coverage Amount:₹5 lakh/family/year
Beneficiaries:50+ crore people
Hospitals:25,000+ empanelled
Treatments:1,400+ procedures
Key Features for PwDs:
Specialized surgeries and treatments
Rehabilitation services coverage
Assistive devices and equipment
Pre and post-hospitalization coverage
Niramaya Health Scheme
National Trust Scheme
Coverage Amount:₹1 lakh/person/year
Target Group:4 specific disabilities
Premium:Government paid
Age Limit:Up to 65 years
Covered Disabilities:
Autism
Cerebral Palsy
Intellectual Disability
Multiple Disabilities
State-wise Health Schemes
Additional healthcare coverage by state governments
Tamil Nadu
Chief Minister's Insurance:₹5 lakh
Kalaignar Scheme:₹5 lakh
Total Coverage:₹10 lakh
Rajasthan
Mukhyamantri Scheme:₹10 lakh
RSBY Plus:₹3 lakh
Special Focus:Rural coverage
Karnataka
Arogya Karnataka:₹1.5 lakh
Suvarna Arogya:₹2 lakh
Special Benefits:Free medicines
West Bengal
Swasthya Sathi:₹5 lakh
Coverage:All families
Special Care:Disability focus
Odisha
Biju Swasthya:₹10 lakh
Women Coverage:₹10 lakh
Focus:Tribal areas
Andhra Pradesh
Aarogyasri:₹5 lakh
YSR Aarogyasri:Enhanced
Special:Zero premium
Private Insurance Options
Additional coverage through private health insurance companies
Major Insurance Companies
HDFC ERGO Health Suraksha
Coverage:₹3L - ₹50L
Special Benefits:Disability coverage
ICICI Lombard Complete Health
Coverage:₹2L - ₹1Cr
Rehabilitation:Included
Star Health Comprehensive
Coverage:₹1L - ₹25L
Assistive Devices:Covered
Key Features for PwDs
No Discrimination
Equal premium rates regardless of disability status
Specialized Coverage
Rehabilitation, therapy, and assistive devices
Cashless Treatment
Network hospitals for direct settlement
Home Healthcare
Nursing and physiotherapy at home
Mental Health
Counseling and psychiatric treatment coverage
Premium Range
- • Individual: ₹3,000 - ₹15,000/year
- • Family: ₹8,000 - ₹30,000/year
- • Senior Citizens: ₹15,000 - ₹50,000/year
- • Group policies: Discounted rates
How to Apply for Health Insurance
Step-by-step process for different health insurance schemes
Government Schemes
1
Check Eligibility
Verify income criteria and documentation requirements
2
Visit CSC/Hospital
Go to Common Service Center or empanelled hospital
3
Submit Documents
Provide Aadhaar, income proof, disability certificate
4
Get Golden Card
Receive Ayushman Bharat card for cashless treatment
Private Insurance
1
Compare Plans
Research different insurance companies and their offerings
2
Medical Checkup
Complete pre-policy medical examination if required
3
Fill Application
Complete application form with accurate information
4
Pay Premium
Make premium payment and receive policy documents
Contact Information
Get help with health insurance applications and claims
Ayushman Bharat
14555
Toll-free helpline (24x7)
National Trust
011-24369054
Niramaya scheme queries
Secure Your Health with Comprehensive Coverage
Access government and private health insurance for complete medical protection