4 Insurance Schemes Launched for People with Disabilities (PwD)

Introduction

The current central government has introduced insurance schemes exclusively for PwD under the Sugamya Bharat Abhiyan (Accessible India Campaign).

Nodal Agencies

Department of empowerment of PwD
Ministry of social justice and empowerment

Niramaya Health Insurance

Scheme available all over India except J&K
Insurance cover of up to 1 lac to PwDs
Single premium across age bands
PwDs with disabilities under the National Trust Act are eligible
No need for pre-medical tests before enrolling in the policy
OPD treatment facility available including medical check-up, tests, medicines, corrective surgeries and therapies
Alternate medicine to reduce disability impact
Covers transportation costs
Treatment took from any hospital
Insurance scheme on reimbursement basis only

Swavlamban Health Insurance Scheme

New India Assurance Company is the implementing agency
Uniform premium of 357 rupees per PwD person through out the country
Sum insured is 2 lacs for a year and will cover PwDs in the age group of 0 to 65 years
OPD benefits include 10000 p.a per PwD and 3000 p.a for mentally retarded people
PwD family including spouse and up to two children are covered by this scheme
No premedical tests involved
Cashless treatment to be taken in New India Assurance created network of hospitals for free treatment under the policy
Claims must be made to New India Assurance with PwD certificate
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Swavlamban excludes people with autism, cerebral palsy and Multiple disabilities

Gharaunda Scheme

To provide basic medical care facilities for life long to PwDs
Professional doctors to offer quality health care services
Scheme available throughout India except for J&K
Every Gharaunda centre to have a maximum of 30 PwDs including LIG and above LIG PwDs in the ratio of 1:1
Payment to be received annually from family members or institutions or guardians
Covers all adult PwDs included in the National Trust Act

Vikaas Scheme

It is a medical day care scheme for welfare of PwDs
Daycare offered to PwDs for a minimum of 6 hours daily (8 AM to 6 PM)
Maximum batch size of a Vikaas centre is 39
Day care centres to be opened for a minimum of 21 days in a month
Minimum attendance fixed at 15 days
Covers medical treatment of the disability and other health care services
Scheme available throughout India except for J&K
National Trust will fund the PwD

Conclusion

GOI has introduced a slew of measures under the Accessible India campaign
This gives importance and recognises the importance of PwDs in the society
The contribution of PwDs to the society is on the rise
The enrollment of PwDs in the government jobs is also on the rise
The above health insurance schemes will boost the confidence of PwDs and enable them to live with self-esteem in the society
The hospital and medical expenses of the PwDs are eliminated to the core with these schemes