Swavlamban Health Insurance Scheme to provide affordable Health Insurance to the persons with disabilities (PwDs)
A Prestigious Health insurance Scheme for Persons with Disabilities (As Per PWD Act 1995) launched by The New India Assurance Company limited, in Association with Ministry Of Social Justice, Dept of Empowerment of Persons with Disabilities.
Launch date: 2nd October 2015
Mission
- To Provide affordable Health Insurance to persons with Blindness, Low Vision, leprosy-Cured, Hearing Impairment, Loco-Motor disability, Mental-Retardation and mental illness.
- To Improve general Health condition & Quality of life of persons with Disabilities
KEY FEATURES:
- Sum insured of Rs. 2 lacs on family floater for a period of 12 months.
- Age band 0 – 65 years.
- Family size up to 1+3. Primary member is Person with disabilities. In case of minor being PWD, parent/legal guardian of such minor can also be covered under the scheme.
- Available for persons with disabilities with family annual income of Rs. 3 lacs and below on declaration basis in proposal form.
- No premedical tests.
- Uniform premium contribution of Rs. 357 per person / family ( incl tax).
- OPD cover for corrective therapy up to Rs. 10,000 a year for person with disability. For persons with mental retardation and mental illness, OPD cover is Rs. 3000 per annum.
- No exclusion of pre-existing conditions. However corrective surgery for existing impairment can be done with consent of insurer/TPA.
- Pre-post hospitalization expenses covered sub to limits.
- Rest of terms as per standard New India Flexi Floater Group Mediclaim Policy.
- Persons with multiple disabilities, Cerebral Palsy & autism are not covered under this scheme.
Premium
As per the following table:
| SUM INSURED | PERSONS COVERED | PLAN | PREMIUM |
|---|---|---|---|
| Rs. 2,00,000 | PwD, Spouse & up to two Children | Hospitalisation and OPD | Rs. 3,100 |
| *Service Tax will be additional | |||
| **ONLY 10% PREMIUM WILL BE COLLECTED FROM THE INSURED. | |||
PROCEDURE FOR ENROLLMENT:
- Proposal form duly completed and signed with Rs 355.00 ( Premium : 310 + Service tax: 45)
- Passport size two photographs of each family member to be covered in the policy.
- Disability certificate as per PWD act 1995.
- Copy of valid ID i.e. Voter card, Aadhar Card, Driving license etc.
CLAIM PROCESS
New India will create a network of Hospitals, where the Insured person can get cashless treatment. If any Insured Person wants to take treatment outside network, the permission of TPA is necessary. Such permission is not required in case of emergency hospitalisations.
The policy covers pre-existing Illness. Treatment for pre-existing impairment (for the purpose of this policy, impairment relates to a condition or Illness which caused the Disability as defined in the Act) will be only at the network Hospital and only with the prior approval of the TPA.
At the time of claim, certificate of Disability by the competent authority as defined under the Persons with Disability Act, 1995; has to be submitted to the TPA.
REDRESSAL MECHANISM
Any Insured person having a grievance on any service aspect could approach a nominated person of New India. In case he is not satisfied with the process, he can escalate it to a named person in the Department of Empowerment of Persons with Disabilities. Such escalation would be addressed by a Dispute Resolution Committee comprising one representative each from Department of Empowerment of Persons with Disabilities, New India and the TPA.
PROCEDURE FOR CASHLESS CLAIMS SETTLEMENT:
Name of TPA:
MDIndia Healthcare Services (TPA) Pvt. Ltd.
Toll Free: 1800-233-1166, 1800-233-4505
Raksha TPA Pvt Ltd
Toll Free: 1800-180-1444
Vidal Health TPA
Toll Free: 1800-425-8885
Medicare TPA
Toll Free: 1800 345 3339
Medi assist India TPA Pvt. Ltd.
Toll Free: 1800 425 9449
Downloads
Proposal Form (225 KB) PDF
PWD Act(140 KB) PDF
For more information
NODAL OFFICE—310400: CONTACT INFORMATION:
Toll Free No: 1800 209 1415
Mr. Rajesh K. Jain, Sr. DM, 011-23411998, 23412370 (rajesh.jain@newindia.co.in)
Ms Manju Mittal , Dy manager 011-23412370 (manju.mittal@newindia.co.in)
Ms Renuka walia, AO (renuka.walia@newindia.co.in)
more details at http://www.newindia.co.in/Content.aspx?pageid=6363
These schemes are put only on paper and website, on the ground level nothing is available, Insurance companies are sitting to make a profit, so they flatly refuse to give the medical policy to such individuals? What a shame on the government, which is also helpless to make a law for these companies to provide facilities to every living individual, or else their licence should be cancelled.
Government of India, doesn’t care to give any benefits to the mentally challenged people although they cannot earn their livelihood expenses. They can live a life with dignity only till their parents are alive, what after that, No care, No aid from Government. If anybody knows about any scheme that benefitted such individuals please do let me know.
I agree with you.. We are facing these issues for such a long time but no recourse available yet..
Hello All- They are not people friendly.. I tried couple of time but no response. Anyone is aware of any other insurance company provides coverage for disabled person by birth? Please help with the inputs.
ಸರ್, ದಯಮಾಡಿ ಕನ್ನಡ ಭಾಷೆಯಲ್ಲಿ ಅಂಗವಿಕಲರ ಆರೋಗ್ಯ Insarance ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ
The persons with multiple disability and intellectual disability is marginalised even in the Rpwd act.this is not agreeing with the concept of natural justice and equal justice.
the above contact numbers is not working.
दिनबंन्धु चेरीटेबल ट्रस्ट वह अंतरियाल लास्ट स्टेज पर खड़े ग्रामीण गरीब परिवार की सेवामें सतत और निरंतर कायॅरत रहा है स्वस्वा के लिए ग्रामीण क्षेत्रों में जागजागरू के अभाव में मजदूरों को ठिकसे स्वास्थ्य सेवाओं मुहैया नहीं हो पाती उनके लिए हमारी संस्था निरंनि प्रय करती है कृपया इस क्षेत्र में कोई प्रोजेक्ट हो तो हम पारदशॅक तरीके से निभाएंगे….
I went to new india assurance co’ s office but they told me that the govt. of india had stopped the policy a long ago. So please inform whether the same is existing.
Soham Dasgupta.
How avail Swavlamban Health Insurance Scheme for Persons with Disabilities
I have called to this Toll Free No: 1800 209 1415,customer care saying that we do have idea about it.
Can some tell me details about.