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4 Insurance Schemes Launched for People with Disabilities (PwD)

Published on Thursday, December 15, 2016


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
  • 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


  • 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

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