Swavlamban Health Insurance Scheme (Enrolment, Benefits & Eligibility)

The Swavlamban Health Insurance Scheme, launched in 2016, is a public health insurance scheme that provides health care coverage for people with disabilities (PwDs). PwDs have a hard time getting covered by private insurance companies, this leads them to be excluded from the helpful umbrella of insurance.

The Government of India realized this and in an attempt to ensure that PwDs get adequate insurance coverage came up with The Swavlamban Health Insurance Scheme. PwDs include people with blindness, leprosy, motion disabilities, mental illness and disorders, hearing impairments, and similar disorders.

Let us now learn about the most important topics concerning The Swavlamban Health Insurance Scheme, including:

1. Features and Benefits of the scheme
2. How to enrol under the scheme
3. Scheme eligibility

Features and Benefits of the scheme

• The Swavlamban Health Insurance Scheme provides a health coverage of Rs.2 Lakhs for people with disabilities at a very low premium of Rs.357/year.
• The scheme also provides a family floater option that can extend coverage of the scheme to the entire family.
• PwDs do not need to undergo any medical tests or check ups in order to enroll themselves in this scheme.
• Coverage will be extended to pre-existing conditions and disorders.
• Both, pre and post hospitalizations are covered under this scheme.
• OPD coverage (up to Rs.10,000 / year.)
• Cashless coverage will be extended to PwDs

How to enroll under the scheme

The scheme is run through The New India Assurance Company limited, which is running the scheme in association with The Ministry Of Social Justice, Department of Empowerment of Persons with Disabilities.

Step 1 – Visit your nearest New India Assurance Company limited branch and ask them to furnish you with the scheme form.

Step 2 – Fill-up the form, submit it, and make your first premium payment.

Ensure that all required documents like your PwD certificate and Identification and address proof documents are with you while approaching the insurance officer.

Scheme eligibility

PwDs will need to fall under all of the below criteria in order to be eligible towards The Swavlamban Health Insurance Scheme:

• People with disabilities between the age of 0 – 65 years of age
• PwDs will need to have a government authorized disability certificate (PwD certificate)
• The family income of the PwD should not exceed Rs.3 lakhs / year

You can visit your nearest New India Assurance branch to know more about this scheme.