Swavlamban Health Insurance Scheme

The Swavlamban Health Insurance Scheme provides affordable and effective health insurance coverage for individuals with special needs, including those who are visually impaired, suffer from leprosy, have locomotor disabilities, hearing impairments, mental illness, or mental retardation. Its aim is to improve the overall health and quality of life for persons with disabilities. Let us dive into Swavlamban Health Insurance and ensure a secure and healthy future for yourself and your loved ones.

The Swavlamban Health Insurance Scheme is a unique health insurance plan designed to meet the specific needs of individuals with disabilities. It was launched by the New India Assurance Company Limited in collaboration with the Ministry of Social Justice and Empowerment and the Department of Empowerment of Persons with Disabilities. The scheme was introduced on 2nd October 2016 with the goal of enhancing the overall health and well-being of persons with disabilities.

When you buy Swavlamban Health Insurance Scheme, a comprehensive healthcare solution it empowers individuals with the freedom to safeguard their well-being. Dive into the world of Swavlamban Health Insurance, where your health takes centre stage. With its wide range of coverage and benefits, Swavlamban is designed to provide financial support and access to quality healthcare services.

The Swavlamban Health Insurance Scheme is a comprehensive insurance plan specifically designed for individuals with disabilities. Here are the reasons why Swavlamban Health Insurance Scheme and its highlights:

Targeted Coverage: The scheme specifically caters to persons with disabilities (PwD), providing them with comprehensive health insurance coverage.

• Affordable Premiums: The insurance plan offers low-cost premiums, making it accessible and affordable for individuals with disabilities.
• Wide Range of Disabilities Covered: When you buy Swavlamban Health Insurance scheme, it covers a wide range of disabilities, including blindness, low vision, leprosy-cured, locomotor disabilities, hearing impairment, mental retardation, and mental illness.
• Emphasis on Quality of Life: The primary objective of the scheme is to improve the general health and well-being of PwD, ultimately enhancing their quality of life.
• Inclusive Approach: The Swavlamban Health Insurance Scheme recognises the unique healthcare needs of individuals with disabilities and provides tailored coverage to address those needs.
• Government Support: The scheme is launched under the guidance of the Ministry of Social Justice and Empowerment and the Department of Empowerment of Persons with Disabilities, ensuring government support and oversight.
• Efficient Insurance Provider: The New India Assurance Company Limited, a reputed insurance provider, administers the scheme, ensuring reliable and efficient service for PwD.
• Continuous Improvement: The scheme aims to continuously evolve and adapt to the changing needs of persons with disabilities, ensuring that the coverage remains relevant and effective.

Overall, the Swavlamban Health Insurance Scheme is a significant initiative that seeks to empower and support individuals with disabilities by providing them with comprehensive and affordable health insurance coverage.

The features of the Swavlamban Health Insurance Scheme, which aimed to provide affordable health insurance to individuals with specific disabilities are listed below which answers the question of why the Swavlamban Health Insurance Scheme.

• Premium Rates (Uniform and Affordable): The Swavlamban Health Insurance Scheme ensures that the premium remains the same across the country. For any person with disabilities (PWD) residing in India, the premium to be paid is INR 356, which is calculated as 10% of the actual premium plus service tax.
• Eligibility and Income Criteria: PWDs between the ages of 18 to 65 years, who have a family income of less than INR 3 lakhs annually, can avail of the scheme.
• Coverage for Minors and Guardians: In the case of a minor who is a PWD, the parent or legal guardian can also be covered under the scheme.
• Coverage for Pre-existing Ailments: The scheme provides coverage for pre-existing ailments, with an insurance cover of up to INR 2 lakhs per year as a family floater option.
• Simple Enrolment and Claim Procedures: The process for enrolling in the scheme and making claims is simple and hassle-free, making it easier for PWDs to avail themselves of the benefits.
• Cashless Treatment Option: Policyholders have the option of opting for cashless treatment at network hospitals.
• Standard Policy Terms: Apart from the specific features mentioned above, the remaining policy terms are in line with the standard New India Flexi Floater Group Mediclaim Policy.
• Comprehensive Coverage for the PWD and Family: When you buy Swavlamban Health Insurance Scheme, it offers comprehensive coverage to the beneficiary and their family. This includes the spouse of the PWD and up to two children.
• No Pre-policy Medical Examination: Unlike many other insurance schemes, a pre-policy medical examination is not required to avail of the Swavlamban Health Insurance Scheme.
• Cashless Treatment at Network Hospitals: Under the New India Assurance Company, a network of hospitals is established, offering cashless treatment to insured members.
• Sub-limits for Pre and Post-hospitalisation Cover: The pre and post-hospitalisation coverage provided by the scheme is subject to specific sub-limits.

Here are some unique benefits of the Swavlamban Health Insurance Scheme:

These unique benefits make the Swavlamban Health Insurance Scheme a valuable and inclusive healthcare initiative that prioritises the needs of economically weaker sections of society.

The Swavlamban Health Insurance Scheme is a government initiative that aims to provide affordable health insurance coverage to individuals with various disabilities.

By purchasing the Swavlamban Health Insurance Scheme online, it specifically caters to persons with

By including these specific disabilities in the coverage, the scheme recognises the unique healthcare needs of individuals facing these challenges. It ensures that individuals with visual impairments, hearing disabilities, physical disabilities, and mental health conditions have access to necessary medical services without incurring exorbitant expenses.

The scheme's focus on providing health insurance to these specific categories acknowledges the importance of inclusive healthcare and works towards eliminating barriers that these individuals may face in accessing quality medical care. Through this initiative, individuals with these disabilities can avail themselves of the necessary treatments, medications, therapies, and specialist consultations they require, thereby enhancing their overall well-being and quality of life.

The Swavlamban Health Insurance Scheme stands as a progressive step towards ensuring equal healthcare opportunities for all, regardless of their disabilities.

The Swavlamban Health Insurance Scheme is designed to provide affordable and accessible health insurance coverage to persons with disabilities. However, there are certain disabilities and diseases that are not covered under this scheme.

• People with multiple disabilities
• cerebral palsy
• autism

are excluded from the Swavlamban Health Insurance Scheme.

Please note that the current scheme does not provide coverage for expenses related to rehabilitation facilities, including daycare facilities, halfway stays, and long-stay facilities. If you require assistance or coverage.

The Swavlamban Health Insurance Scheme and Health Insurance for Disabled are two separate insurance programs that cater to the specific needs of individuals with disabilities. Here's a brief overview of each scheme:

It is important to note that the specific details, terms, and conditions of these schemes may vary depending on the country, region, or specific insurance provider. It is always advisable to consult with the relevant authorities or insurance providers to get accurate and up-to-date information regarding the coverage and benefits offered by these schemes.

In order to meet the eligibility criteria for the Swavlamban Health Insurance Scheme, one should fulfil the following conditions:

• Age should be between 18 and 65 years.
• Must submit a legitimate disability certificate issued by a recognised authority.
• Total annual family income cannot exceed Rs 3,00,000.
• Must not hold any other health insurance policy from any insurer or entity.