Specially Abled Health Insurance

In today's fast-paced world, it is assumed that approximately 15% of the world's population lives with a disability. In India, around 5% to 8% of the population is living with disabilities, making it a major medical concern requiring high expenses.

Health insurance is crucial for managing increasing medical costs. But does it cover the needs of specially-abled individuals?

Very few insurers in India offer specially abled health insurance to help you manage the medical bills associated with necessary healthcare and treatments. At Reliance General, you can secure yourself with a dedicated health plan for specially-abled individuals at affordable rates.

Reliance Specially-Abled Health Insurance

Reliance General Specially-Abled Health Insurance is a type of health insurance that is designed to provide financial support to individuals with certain disabilities.

It offers comprehensive coverage for a wide range of medical expenses, such as special treatments, rehabilitation, pre- and post-hospitalisation, and more, so you can manage your finances in times of need.

How Does the Reliance Specially-Abled Health Insurance Work?

Similar to other health insurance policies, a specially-abled health insurance plan also works in the same manner, and the process is as follows -

• Buy a Plan - Go to our website ​and buy the plan.

• Select Your Coverage - To personalise your policy, you can choose the sum insured, add-ons if available, and other coverage options.

• Pay the Premium - Make regular premium payments toward your policy to avoid losing coverage. The premium can vary based on your age, health condition, level and type of disability, and coverage selections.

• File Claims - When you need medical treatment for your disability, file a cashless or reimbursement claim with us. Submit the necessary bills, claim forms, and other documents.

• Get Claim Settlements - Once we verify your claim, you will receive the claim settlement amount reimbursed to your bank account or settled directly with the hospital.
  

Key Features and Benefits of Reliance Specially Abled Health Insurance

What is Covered Under Reliance Insurance for the Disabled?

• Hospitalisation Expenses

• Inpatient Treatment, Day Care procedure

• AYUSH Treatment

• Medical expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Year up to the Sum Insured.

• Pre & Post Hospitalisation

• From doctor consultation or diagnostic tests leading to a hospitalisation or post-surgery recovery expenses, we cover them all.

• Emergency Ground Ambulance

• Expenses incurred on road Ambulances are subject to a maximum of ₹2000/—per hospitalisation.

• Modern Treatment

• Covers In-patient or as part of Day Care Treatment in a Hospital up to 50% of Sum Insured.

• Cataract Treatment

• This policy covers medical expenses incurred for treating Cataracts, subject to a limit of ₹40,000/—per eye in one policy year.
  

What is Not Covered Under Reliance Insurance for the Disabled?

• Admission primarily for investigation & evaluation

• Admission primarily for rest Cure, rehabilitation, and respite care

• Expenses related to the surgical treatment of obesity that do not fulfil certain conditions.

• Change of Gender treatments

• Expenses for cosmetic or plastic surgery expenses related to any treatment necessitated due to participation in hazardous or adventure sports

• Pre-existing conditions

• Treatments taken outside India

• War or nuclear attacks

• Infertility treatments

• Reproduction-related artificial treatments

• Organ donations

• Self-inflicted injuries

• Substance abuse

• Claims outside policy inclusions
  

How to Choose the Best Insurance for the Disabled?

Eligibility Criteria for Reliance Disability Health Insurance?

​How to Buy Reliance Specially Abled Health Insurance?

• Step 1 - Visit our website > Explore Products > Specially-Abled Health Insurance.

• Step 2 - On the main page, enter your name, city, email address, and mobile number in the space provided.

• Step 3 - Tick the terms and conditions box and click on “Submit".

• Step 4 - Our team will contact you within 24-48 hours with the available coverage options.

• Step 5 - Choose a plan from the options provided and make the premium payment to buy the plan.
  

Documents Required to Buy Reliance Specially Abled Health Insurance

• Proof of identity - Aadhaar card, PAN card, passport, etc.

• Proof of address - Aadhaar card, rental agreement, utility bills, etc.

• Proof of income - bank statement, ITR, salary slips, etc.

• Proof of completion of C-KYC as per the guidelines by the IRDAI

• Previous medical reports
  

How to Renew Reliance Specially Abled Health Insurance?

• Step 1 - Go to our website.

• Step 2 - Select “Renewal" and click on “Renew Health Insurance".

• Step 3 - Add your policy or mobile number along with other requested information on the next page.

• Step 4 - Review your policy, make changes as required and click “Submit"

• Step 5 - A revised premium will open on the screen. If satisfactory, make the premium payment to renew your specially-abled health plan.
  

How to File a Claim Under Reliance Specially Abled Health Insurance?

Cashless Claims

Cashless claims reduce your upfront expenses. With this claim option, your medical bills are settled by us directly with the hospital. Moreover, with our “Cashless Everywhere" facility, you can file a cashless claim at any hospital in India.

• Step 1 - Inform the claims team regarding hospital admission. Click here to send an email immediately to inform us about the incident, log in through the Self-i App, or call (022) 4890 3009 (Paid Number).

• Step 2 - Visit any network or non-network hospital, submit a pre-authorisation form, and get the desired treatment.

• Step 3 - Once the treatment is completed, submit all your medical reports, bills, etc., to the hospital. They will share these documents with us for verification.

• Step 4 - Upon verification, we will settle the applicable claim directly with the hospital on your behalf.
  

Reimbursement Claims

In a reimbursement claim, you must pay the medical expenses on your own first and then file a claim form to get the applicable claim settlement reimbursed to your bank account.

• Step 1 - Inform the claims team regarding hospital admission. Click here to send an email immediately to inform us about the incident, log in through the Self-i App, or call (022) 4890 3009 (Paid Number).

• Step 2 - Visit any network or non-network hospital and get the desired treatment.

• Step 3 - Once done, pay all the due medical bills and collect all payment receipts, invoices, and other necessary documents for submission.

• Step 4 - Submit your original scanned documents within 7 days from hospital discharge to initiate the reimbursement claim.

• Step 5 - We will verify your claim and medical documents and, upon approval, reimburse the applicable claim amount to your registered bank account.
  

Also Read -Cashless Hospitalisation Vs Reimbursement In Health Insurance

Documents Required for a Disability Medical Insurance Claim

• A duly filled and signed claim form.

• Doctor's prescription

• Diagnostic reports

• Original medical bills

• All medical payment receipts and invoices

• NEFT bank details (for reimbursement claims)

• Proof of KYC completion

• Other medical reports
  

What Do I Need to Consider While Filing a Claim Under Reliance Specially Abled Health Insurance?

Waiting Periods

Terms and Conditions

• For a policyholder with multiple disability health plans, you can only file a claim against any one of them.

• The policy must be renewed within the 30-day grace period after expiry to avoid losing coverage.

• Non-disclosure or submission of incorrect information can result in instant cancellation of your policy.

• You must pay the deductibles or co-payment amount from your out-of-pocket expenses to initiate the claim settlement coverage for your medical requirements.

• You must make a nomination for your health insurance policy, who will receive the claim on your behalf in the event of your death.

• The claim settlement amount will be paid based on the specific claim requests applicable to your chosen policy coverage and sum insured.

Responsibilities of a Policyholder/ Insured Person​

• Submit a completed cashless request form to the TPA or us for authorisation.

• Provide all relevant medical information to the TPA or us if the pre-authorisation form request is denied.

• Inform us regarding the medical treatment within 24 hours for emergencies or at least 48 hours before planned hospitalisation.

• Provide any additional information or documentation required by us or the TPA to verify the claim request.

• For reimbursement claims, submit all the necessary documentation to us or the TPA within 7 days after discharge.

• Maintain a record of all your medical bills, payment receipts, etc.

• Do not file any false claims or claims before the waiting period is over.
  

Frequently Asked Questions about Reliance Specially Abled Health Insurance

• Is there a health insurance policy for disabled people?

  Yes, many insurers offer a dedicated, specially-abled health insurance plan to cover the specific medical requirements of people with disabilities.​

  Reliance General's Specially Abled Health Plan is designed to provide comprehensive coverage with lifetime renewability, various sum insured options, a 100%* claim settlement ratio, and more.

• How is permanent disability defined in health insurance?
  

  Permanent disability refers to a condition wherein the disability is either expected to last for a very long time with restricted movements or complete disability of certain body parts that prevents an insured from performing day-to-day tasks.

• Can I buy multiple disability insurance policies?
  

  Yes, you can buy more than one disability insurance policy for your medical needs. However, you need to check for specific policy terms and conditions to assess what benefits can be claimed under which plan. Moreover, you must ensure no duplicate claims should be filed for the same treatment with different policies.
  

• How do we determine the premium for insurance for the disabled?
  

  Factors that impact disability insurance premiums include -

  • Age

  • Type of disability

  • Level of disability

  • Occupation

  • Medical history

  • Coverage amount

  • Add-ons, if available.

• Can I buy health insurance after suffering a disability from an accident?

  Yes, you can buy a specially-abled health plan after suffering a disability due to an accident. However, you might not be able to file any claims for the same before the waiting period is over. This varies from policy to policy, so read the policy document and discuss it with the insurer before making a decision.
  

• What are the tax benefits applicable to disability health insurance plans
  

  Depending on the level of disability, you are eligible for tax deductions, and they are as follows -

  • ​For 40% to 80% disability - up to ₹75,000

  • For more than 80% disability - up to ₹1,25,000
    

• Is depression considered a mental illness, and is it covered under specially-abled health insurance?

  Depression is considered an acute mental illness. However, the scope of coverage for this illness under a specially-abled health insurance policy depends from insurer to insurer and can vary between policies.

  Therefore, you must check with the insurer and read the policy document to understand the scope of coverage before making a purchase.​
  

• Does specially abled health insurance cover permanent disability?

  Some plans may include permanent disability coverage, depending on the choice of policy and insurer. The scope of coverage includes assistive support expenses, rehabilitation costs, etc.
  

• How to register a claim for insurance for the disabled?
  

  To register a claim for insurance for the disabled, you can choose between a cashless and a reimbursement claim, and the process is as follows -
  

  • Inform us about the claim by calling (22) 1800-3009, sending us an email at rgicl.rcarehealth@relianceada.com or downloading our Self-i app.

  • Go to a network or non-network hospital and -

    • Submit a pre-authorisation form and get the treatment for a cashless claim

    • Get the treatment and make the payment for a reimbursement claim
      

  • Submit the required payment documents for a reimbursement claim for verification.

  • After verification, we will either settle your bills with the hospital on your behalf or reimburse the claim amount to your bank account.
    

• How long does it take to settle a specially-abled health insurance claim?

  The processing time to settle a specially-abled health insurance claim depends on factors like the case complexity, additional requirement of documents, insurer's processing team's speed and availability, submission of correct documents and information, etc.
  

Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.

The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.

Claim Settlement: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.

Premiums: The premium mentioned is excluding taxes for single person agedbetween 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).

Health Gain Discount: Maximum discount applicable for Reliance Health Gain Policy is 40% excluding long term healthy discount(aggregate)

Tax Benefits: Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.​