Health Insurance For People With Disabilities

According to the WHO (World Health Organization), 1.3 billion (approx) people experience significant disability. With such huge numbers, the importance of getting health insurance for the disabled becomes more prominent.

But what exactly is health insurance for people with disabilities? What does it cover, and how can it be claimed? We are going to answer everything in this blog!

Keep reading till the end!

What is health insurance for people with disabilities?

Health insurance for people with disabilities is a special type of insurance that helps cover medical costs for individuals who have disabilities. It provides coverage for medical expenses, treatments, and services related to their disability, as well as for general healthcare needs.

Types of Disabilities

• Congenital Disability: These disabilities are present right from birth and are usually the result of genetic factors. For instance, spina bifida, cerebral palsy, congenital heart defects, cystic fibrosis, and others.
• Accidental Disability: Accidental disabilities occur as a result of unexpected events, such as accidents. This includes physical injuries, such as spinal cord injuries, broken or impaired limbs, etc.
• Mental Disability: This medical condition is related to a mental disorder or illness. For example, psychiatric disorders, mental impairment, schizophrenia, behavioural distress, etc.

Why should you buy health insurance for people with disabilities?

Buying health insurance for people with disabilities is essential for several reasons, as explained below.

• Financial protection: Disabled people often face unique challenges that require frequent medical interventions and specialized treatments, which can be expensive. Private health insurance for the disabled helps cover all these expenses and prevents financial strain.
• Emergencies: The chances of emergencies for people with disabilities are much higher. In such situations, health insurance provides coverage for emergency room visits and ensures that individuals receive prompt and appropriate care.
• Regular check-ups: Preventive care and regular check-ups are vital for people with disabilities to monitor their health and prevent complications.
• Peace of mind: Having health insurance offers peace of mind to individuals with disabilities, knowing that they are financially protected and have access to necessary healthcare services when needed.

What is included and excluded in health insurance for people with disabilities?

The coverage of insurance for adults with disabilities varies depending on the specific insurance policy. Generally, included benefits may encompass:

• Doctor visits
• Hospitalization
• Prescriptions
• Rehabilitation services
• Medical equipment and supplies
• Mental health services

Exclusions may vary but commonly include:

• Cosmetic surgeries or procedures
• Experimental treatments or therapies
• Certain pre-existing conditions
• Non-allopathic treatments

How to claim health insurance for people with disabilities?

Eligibility criteria of health insurance for the disabled

• Family earnings: The total income of the family is considered by insurance companies when determining eligibility for health insurance coverage for disabled individuals.
• Current health state: Before providing health insurance for disabled adults, health insurance companies often look at the person's health records from the past couple of months. This helps them understand if the person has any ongoing health problems or serious conditions. If they find any significant health issues while applying for insurance, the company might decide not to offer them coverage.

Process of claiming health insurance for people with disabilities

1. Inform your insurance provider: Notify your insurance company about the treatment or service you need and ensure you come under the eligibility criteria.

2. Gather necessary documentation: Collect all relevant documents to support your claim. Here is the list of common documents used for health insurance:

• Income certificate
• Medical records
• Disability certificate
• Identity proof (Aadhaar Card, PAN card, Driving Licence, etc.)
• Address proof
• KYC documents

3. Fill out claim forms: Complete the necessary forms provided by the insurance company with accurate details.

4. Submit the claim: Submit the claim along with the supporting documentation timely. Make sure to keep copies of all documents for your records.

5. Follow-ups: Take timely follow-ups and inquire about the claim status or any additional steps required for processing.

6. Review claim decision: Finally, the insurer will review your claim and decide according to the policy coverage and submitted documentation. If approved, you will receive reimbursement for covered expenses.

7. Appeal (if necessary): If your claim is denied or not fully approved, you have the right to appeal the decision.

Conclusion

Differently-abled individuals also have the right to live happily, just like normal people. That's why health insurance is super important for people with disabilities. It covers the costs of medical care and ensures that individuals get the treatments they need without worrying about money.

With the right plan, disabled people can focus on living their best lives and not be held back by healthcare costs.

Why choose Royal Sundaram for health insurance for people with disabilities?

Now that we have understood everything about health insurance, it's finally time to get it from Royal Sundaram. Why you should choose us? Here are the reasons!

Our product Divyang Plus, covers persons with disabilities (including mental illness). As a reputable insurance provider, we have more than 2 crore+ happy customers across 150+ branches in India.

Contact us now to learn more about the claim insurance process!