Health insurance is essential for everyone, especially for those with disabilities. Health insurance for disabled individuals ensures they receive the necessary medical care and support. It provides coverage for routine check-ups, treatments and specialised services tailored to their needs.
Medical insurance for disabled persons can include physical therapy, mental health services and adaptive equipment. These plans help manage healthcare costs and improve the quality of life.
Understanding the specifics of health insurance for persons with disabilities is essential for making informed decisions about their health and well-being. Let us explore the key aspects and benefits of individual disability insurance.
Categories of Disabilities in Health Insurance: Who is Considered Specially Abled?
Congenital Disability
This is a medical condition present from birth. Common congenital disorders include heart conditions, cystic fibrosis, spina bifida, Fragile X syndrome and cerebral palsy.
Accidental Disability
This disability results from an accident. It includes broken or impaired limbs and partial or complete blindness caused by accidents.
Mental Disability
This includes disabilities related to mental disorders or illnesses, such as psychiatric disorders., behavioural disorders or mental impairment.
What Factors Determine the Eligibility of Individual Disability Insurance
Current Health Conditions
Insurance companies generally check the current health conditions of individuals seeking health insurance for disabled. Generally, they check the last couple of months health records to assess risk.
Further, it is advisable to get health insurance for disabled under 65 to reduce the chances of rejection.
Extent of Disability
Health insurance providers generally assess the extent of disability when approving medical insurance for disabled persons. This evaluation helps determine the level of disability, calculate the associated risks and accordingly calculate the premium payable for the policy.
Family Earnings
The overall income of the family plays a significant role in determining eligibility. Insurance providers offer an appropriate insurance policy based on the family earnings. This factor also influences the premium of the health insurance policy.
Higher family income can increase the likelihood of obtaining individual long-term disability insurance or short-term disability insurance with higher coverage.
Capacity of Paying Premiums
Every insurance plan comes with a specific premium. Insurers evaluate bank accounts and statements to determine the individual’s capacity to pay the premiums.
The financial assessment helps decide if the individual qualifies for medical insurance for disabled persons.
What to Consider Before Buying Medical Insurance for Disabled Person
Evaluate Specific Needs
Assess your unique medical requirements. Ensure the policy covers routine check-ups, specialist visits, necessary therapies and other specific healthcare needs.
This way, you can tailor the health insurance for a disabled person to your specific health conditions and receive the necessary medical support.
Pre-Existing Conditions
Look for
health insurance for pre-existing conditions. Understand the terms of the insurance provider regarding pre-existing conditions, including any waiting periods or exclusions. Ensuring coverage for existing health issues is essential for comprehensive coverage and care.
Affordability
Look for affordable disability insurance that offers good coverage without excessive premiums. Compare different plans to find one that provides the best balance between cost, coverage and benefits. Choose a plan that fits your specific health requirements and financial constraints.
Comprehensive Coverage
Choose a personal disability insurance that offers extensive coverage. The health plan should cover the cost of hospital stays, outpatient treatments, emergency services and any required therapies. Comprehensive coverage allows you to meet all your potential medical needs.
Network of Providers
Check the insurance provider’s network of hospitals and healthcare providers. A broad network ensures easy and quick access to quality medical care and specialists. Confirm if the plan offers access to your preferred doctors and medical facilities before buying the policy.
Documentation
Be prepared with necessary documents, like medical records and proof of disability. Proper documentation can facilitate a smoother application process and help in determining the coverage and premiums accurately. The primary documents required are disability certificate, past medical records, income certificate and proof of identity.
Day Care Procedures
Many medical treatments can be completed within a day. These treatments can include minor surgery. Check with your insurance provider if the health insurance plan covers day care procedures.
Tax Benefits
Explore the tax benefits associated with purchasing health insurance for a disabled person. In many cases, premiums paid for health insurance are deducted from taxable income and provide financial relief. Check with your insurance provider for such additional tax benefits before purchasing a health plan for disabled individuals.
Consider Additional Benefits
Some short-term disability insurance plans offer additional benefits, such as access to nurse healthcare or coverage for some specific alternative therapies to help individuals manage their health conditions with adaptive treatment.
Tax Benefits for Disabled Individuals Under Section 80D and 80U
Under Indian income tax law, certain sections provide tax benefits to individuals or their family members with disabilities. An individual certified as a person with disabilities by a medical authority can claim tax benefits under Section 80U.
One the other hand, under Section 80D provides tax benefits to individuals whose dependent family members have disabilities.
Why Choose Reliance General Insurance for Health Insurance for Persons with Disabilities
Reliance General Insurance offers comprehensive
health insurance for persons with disabilities. Our plans include health insurance for pre-existing conditions, which ensures that policyholders receive necessary medical care without exclusions.
We provide affordable insurance for disabled individuals, which includes Persons with Disabilities (PWD), persons afflicted with HIV/AIDS and individuals with mental illness. We offer a sum assured of ₹4 lacs to ₹5 lacs for health insurance for persons with disabilities, with an age eligibility of between 18 to 65 years and for dependent children, it is between 1 - 17 years.
Additionally, Reliance General Insurance has a wide network of 10,000+ cashless hospitals and healthcare providers across India to ensure accessible quality care. Our commitment to customer service and extensive coverage options make us a reliable choice for health insurance for disabled.
What Does Reliance General Health Insurance for Persons with Disabilities Cover?
Hospitalisation Expenses
Covers in-patient treatment and day care procedures.
AYUSH Treatment
Covers inpatient care under Ayurveda, Yoga and Naturopathy, Unani Siddha and Homoeopathy systems of medicine up to 50% of the sum insured each policy year
Pre & Post Hospitalisation
Includes doctor consultations, diagnostic tests leading to hospitalisation and post-surgery recovery expenses.
Emergency Ground Ambulance
Covers expenses incurred on road ambulance services, subject to a maximum of ₹2000 per hospitalisation.
Modern Treatment
Covers in-patient or day care treatment in a hospital up to 50% of the sum insured.
Cataract Treatment
Covers medical expenses for cataract treatment, with a limit of ₹40,000 per eye per policy year.
Conclusion
Health insurance is vital for everyone, especially for those with disabilities. It ensures necessary medical care and support through coverage for routine check-ups, treatments and specialised services. Medical
insurance for disabled persons can include physical therapy, mental health services and adaptive treatments. It helps in managing healthcare costs and improving quality of life.
Understanding the specifics of health insurance for disabled individuals such as congenital, accidental and mental disabilities are necessary for making informed decisions. Our Reliance General Insurance health insurance policies offer comprehensive coverage, including pre-existing conditions, at affordable rates.
Moreover, our extensive network of hospitals and healthcare providers ensure health insurance for pre existing conditions, access to quality care. All these aspects make us a reliable choice for health insurance for disabled persons.
Frequently Asked Questions (FAQs)
Can I get individual disability insurance for people with pre-existing conditions?
Many health insurance plans for disabled persons cover pre-existing conditions, but they come with a waiting period. Therefore, it is important to review the policy terms to check for waiting periods and any specific exclusions related to these conditions.
Does health insurance for disabled persons cover rehabilitation services?
Many health insurance plans for disabled persons do not cover rehabilitation services or respite care. The exclusions may be physical therapy, occupational therapy or speech therapy. However, you must check the policy terms and conditions to know specific coverage information on inclusions and exclusions.
How do health insurance plans for disabled persons handle long-term care needs?
Not all health insurance plans for disabled persons may offer coverage for long-term care needs, such as healthcare services, nursing care and rehabilitation. It is essential to verify the extent and duration of long-term care coverage with your provider.
What are the waiting periods for coverage of pre-existing conditions in health insurance for disabled persons?
Waiting periods for coverage of pre-existing conditions can vary from insurance companies. Generally, they range from a few months to a couple of years. Check with your insurance provider to understand the waiting period applicable to your policy.