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Swavlamban Health Insurance is an impressive scheme for persons with Disabilities (PwD), launched on 2nd October 2016. It was established by Govt. of India along with an alliance of The New India Assurance Co. Ltd.
However, the scheme is designed to provide affordable health insurance coverage up to INR 2 lakhs/ - for persons with disabilities belonging to the BPL category. For instance, a person with Low Vision Blindness, Leprosy-Cured, Loco-Motor Disability, Hearing impediment, Mental illness, and Mental retardation.
However, the scheme is coordinated with the Trust Fund for Empowerment of Differently Abled Persons (SID) to enhance the general health of PwD and improve their quality of life.
| Concept | Feature Description |
| Type | Group Health Insurance/ Family Floater |
| Sum Insured | INR. 2 lakhs/ - to the beneficiary and his family |
| Period | One year from the policy issue date |
| Premium | A central government-subsidized premium of around INR 357/- for PwD (p.a.), with a 90% subsidy (total premium: around INR 3,000 p.a.) |
| Family Insured | PwD below the age of 18 - Family/ Legal Guardians PwD above the age of 18 - Husband and up to 2 kids, till they cross the age of 18. |
| Income Limit | The scheme applies to applicants below-poverty category with a family income of less than INR 3 lakhs annually. |
| Who can Be Covered | Family size up to 1 + 3. The person with a disability must be the key member. The program may also cover the parents of a minor who has a disability. |
Once you've all the required documents, you must fill out the application form and submit it to the concerned ICDS scheme offices along with supporting documents.
To obtain the application form, visit the official website of the Kerala Social Security Mission and Social Justice Department.
| Advantages | Limitation |
| With the vast network of Hospitals of The New India Assurance, Insured persons can conveniently opt for cashless hospitalization facilities. | Please note that the listed disabilities are not covered under this scheme:
|
| The scheme's benefits also cover the family of PwD applicants. | The scheme does not cover the expenses of rehabilitation facilities such as day-care/ halfway home/long-stay facilities. |
| Treatment for pre-existing medical problems is also covered, and the enrollment process is quite straightforward. | The scheme's launch was not publicized much, leading to limited awareness of Swavlamban Health Insurance among PwD. |
With The New India Assurance Company's comprehensive network of hospitals across India, insured applicants can easily opt for cashless hospitalization facilities. If you've to take treatment in a non-network hospital, then approval from the TPA is required. Even applicants don't have to get approval during an emergency hospitalization. However, the scheme also takes full accountability for the policyholder's pre-existing illness. But while claiming you must submit the certificate of disability issued by the PwD Act, 1995 to the TPA.
Here are the list of authorized TPA and their contact number listed below in table-
| Name of the TPA | Toll-Free Number |
| MD India Healthcare Services (TPA) Pvt. Ltd. | 1800-233-116 1800-233-4505 |
| Raksha TPA Pvt. Ltd. | 1800-180-1444 |
| Vidal Health TPA | 1800-425-8885 |
| Medicare TPA | 1800-345-3339 |
| Medi Assist India TPA Pvt, Ltd. | 1800-425-9449 |
If the insured applicant facing an issue with any sort of grievance over any assistance factor, they can reach out to a customer representative of The New India Agency. Even if the person's concern is still unsatisfied, they can escalate it to a named person in the Department of Empowerment of PwD.
Overall, with the Swavlamban Health Insurance Scheme, the government strives to offer affordable health insurance plans and improve the conditions for PwD. A tailor-made plan as per the needs of a Person with a disability can help them live with dignity. In India, around 2.21% of the total population is somehow physically disabled. and such a scheme can bring much positivity to the lives of the PwDs.
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Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.
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