June 12, 2024

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Know All About Health Insurance Coverage for the Disabled

New age health insurance plans to increase fitness levels amongst consumers  - The Financial Express

No individual is the same exact copy of someone else. Everybody has their unique characteristics that are sometimes beneficial to them and sometimes make their life challenging. While many are born with the natural ability to do something, others find doing the same thing challenging. This is something that differently abled individuals understand very well. However, being differently abled does not means that your life is over. There is still life to be lived and things to be experienced. 

That being said, differently abled individuals have more physical challenges in life that someone that has all their physical faculties performing normally. This means that they have special medical needs that need to be fulfilled for them to live their life as they intend to. With medical costs always on the rise, the financial burden of fulfilling these needs can be too much. In this situation, a health insurance policy can be extremely helpful. However, since their needs are different, the coverage required for differently abled individuals would be different as well. 

Health insurance for differently abled individuals 

Health insurance is designed to make sure that your medical needs are met regardless of what they are. Hence, it is the ideal way for differently abled people to be on top of their medical issues and needs. More importantly they do not have to risk their hard-earned savings to be able to live a healthy life. Health insurance serves as the best way to manage finances and be able to address your medical issues at the same time. These policies are even available in form of a cashless health insurance policy. Hence, for differently abled individuals, health insurance is nothing short of a miracle. 

Health insurance is already easily available in India. However, to promote its purchase among differently individuals, the government offers specific schemes. Hence, people living with various physical challenges can easily buy these policies and get their medical requirements fulfilled. 

What health insurance considers to be a disability? 

  • People with mental disability

Mental health is as important as physical health. Hence, any individual that has a mental disorder is considered differently abled by insurance providers. Mental disability can be seen through changes in a person’s actions, speech, thoughtfulness, or behaviour. Usually, people suffering from illnesses like autism, schizophrenia, Asperger’s syndrome, and other mood disorders like anxiety are considered to be mentally ill. They fall into a high medical risk category and hence receive coverage through health insurance. 

  • People with accidental disability 

If an individual gets injured to the extent of being immobilized or restricted in movement due to an accident, insurance providers consider them to have accidental disability. Moreover, people with broken or damaged body parts also come under the coverage of accidental disability. 

  • People with congenital disability

If an individual suffers from a set of specific disabilities from the time of their birth, they are termed as congenitally disabled. These disabilities can be physical or mental. There are certain illnesses that cause permanent disability since birth. These include down syndrome, spina bifida, cerebral palsy, and many others. Living with these requires constant medical assistance. A health insurance policy makes sure that this assistance is affordable.

* Standard T&C Apply

So, when you buy a policy for people with special abilities, make sure to compare health insurance companies and then decide based on the coverage sought. Also note insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.