Swavlamban health insurance policy is an exclusive health insurance policy, designed for people with disabilities (PWDs). The policy was introduced by the New India Assurance Company Limited, in collaboration with the Department of Empowerment of Persons with Disabilities (DEPD) on 2nd October 2015. The aim of this plan is to offer adequate health insurance coverage to the mentally and physically challenged and the people with hearing-impairment, low vision, blindness, locomotor disability and so on.
New India Assurance Company is a Mumbai based public sector general insurance company. It was established by Sir Dorabji Tata in 1919. The company was nationalized in the year 1973. Based on the gross premium amount collection, New India Assurance Company is the largest general insurance corporation in India.
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See Also: Health Insurance Benefits
The New India Assurance Company Limited has fixed a yearly premium of Rs 3,100 plus taxes for hospitalization and OPD coverage. Insured people must pay only 10% of the premium amount, i.e., 357 (including taxes) and the remaining amount is paid by the Government.
The people with disabilities (PWDs) have to fill a proposal form with an annual premium of Rs 357 and produce 2 passport-size photographs of each family member and the Disability Certificate (according to the PWD Act, 1995) and personal identification proof (Driving license, voter card and Aadhaar Card). The duty filled proposal form has to be submitted to the concerned ICDS (Integrated Child Development Services) Project Office.
See Also: Family Health Insurance Plan
The New India Assurance Company Limited has established a network of hospitals to help people avail cashless treatment. A policyholder has to get the permission of the respective TPA (Third-party Administrator) if he/she would like to be hospitalized at a non-covered hospital. No such permission is needed in case of emergencies. While making a claim, you have to show the Disability Certificate to the TPA. Disputes and grievances are handled by the Dispute Resolution Committee.
Note: Private insurance companies do not provide a health insurance plan to those with a 40% plus disability. The government has several health insurance policies to cover such people. The premium amount varies based on age. It could be as low as Rs 250 and as high as Rs 16,000.
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