Health Insurance For Specially Abled

Name: Specially Abled Health Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

Access to quality healthcare is essential for everyone, but specially-abled individuals often face unique medical challenges that can lead to higher healthcare needs and unexpected expenses. In fact, many find that traditional health plans do not cater to these specific requirements. Understanding this, IndusInd General Insurance (previously known as Reliance General Insurance) offers health insurance designed for specially-abled individuals, providing comprehensive coverage at affordable rates.

Our health insurance for the handicapped focuses on providing a wide safety net that covers more than just the basics, including inpatient treatment, AYUSH treatment, pre-hospitalisation and post-hospitalisation expenses, alongside emergency ground ambulance services for those critical moments when every second counts.

To make this coverage work for your specific lifestyle, you can choose a sum insured of ₹4 lakh or ₹5 lakh, ensuring coverage tailored to your needs. To ensure seamless policy management, we have made the process straightforward, with quick claims registration through the IndusInd Insurance app and 24/7 customer support you can count on.

Why US

Why 8 Crore+ Policyholders Trust Us?

At IndusInd General Insurance (previously known as Reliance General Insurance), we offer health insurance for the disabled that combines extensive medical coverage with personalised support, smoother cashless treatment and AI-assisted claims processing via the IndusInd Insurance app. Discover why we are the first choice for millions -

Location - Health Insurance

Up to 40% Discount

Get up to 40% discounts on your premium

20+ Add-On Covers

Enhance coverage with add-ons for your policy

AYUSH+Modern Treatments

Includes modern and AYUSH treatments

24/7 Customer Support

Quick claims and queries support

What is Specially Abled Health Insurance?

Specially abled health insurance is a dedicated health insurance policy created to support individuals with disabilities and specific health conditions who may require ongoing medical care. It is designed in line with Indian regulations to ensure inclusive access to healthcare and financial protection.

This type of policy helps cover hospitalisation and related medical expenses, reducing the financial burden on individuals and families. By addressing unique healthcare needs with dignity and sensitivity, it enables specially-abled individuals to seek timely treatment and maintain better health security.

Who is Considered Specially Abled?

Individuals considered specially abled include persons with disabilities recognised under the Rights of Persons with Disabilities Act, 2016 and the Mental Healthcare Act, 2017. These acts cover a wide range of physical, sensory, intellectual and mental health conditions that may affect daily functioning.

In addition, individuals living with HIV/AIDS, as defined under the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act, 2017, are also included. These definitions ensure that people with specific health needs receive recognition, protection and access to appropriate healthcare support without discrimination.

Types of Disabilities Covered by IndusInd Specially Abled Health Insurance

Our Specially Abled Health Insurance policy covers blindness, thalassemia, muscular dystrophy, intellectual disability, low vision, haemophilia, chronic neurological conditions, leprosy cured persons, sickle cell disease, specific cell disease, specific learning disabilities, autism spectrum disorder, multiple sclerosis, locomotor disability, acid attack victim, speech and language disability, parkinson's disease, dwarfism, mental illness, hearing impairment (deaf and hard of hearing), multiple disabilities (including deaf/blindness), and cerebral palsy.

Top Benefits of IndusInd Health Insurance for Specially Abled

Targeted Protection

Our specially abled health insurance plan is built to address the unique healthcare requirements of people with disabilities. The policy focuses on providing meaningful coverage rather than one-size-fits-all benefits, ensuring you receive protection aligned with your medical and long-term care needs.

Coverage for Pre-Existing Disease

IndusInd disability medical insurance extends coverage to both pre-existing diseases and pre-existing disabilities upon completion of the applicable waiting period. This comprehensive coverage makes our health insurance perfectly suited for individuals with special needs, offering personalised care and reliable support.

Cashless Treatment

With over 10,000 network hospitals* and the Cashless Everywhere option, you can access seamless, cashless treatment nationwide. This makes hospital visits simpler, faster and more convenient, offering much-needed support for specially-abled individuals who may require frequent care or additional assistance during their medical journey.

Key Features of IndusInd Health Insurance for the Disabled

Key Features	Details
Premium	Starting at ₹382/month*
Medical Cover	₹4 lakh and ₹5 lakh
Policy Period	1 year
Renewability	Lifelong
Pre and Post Hospitalisation Cover	✅
AYUSH Cover	Up to 50% of sum insured
Modern Treatment	Up to 50% of sum insured
Cataract Treatment	₹40,000 per eye
Cashless Hospitalisation	File a cashless claim at any network or non-network hospital in India.
Emergency Assistance	24/7 assistance available
Network Hospitals	10,000+
Discounts	Get up to 40% off premiums
Day Care Procedures	✅
Ambulance Cover	Up to ₹2,000 per hospitalisation
Co-payment	Option + Waivers available

Disclaimer: The coverage features, prices and discount rates stated in the table are subject to change. Please check your policy documents to know your exact benefits and coverage limits, or contact customer support for further assistance.

Inclusions and Exclusions of IndusInd Health Insurance for Disabled

What is covered?

Hospital Expenses - Covers medical expenses associated with inpatient care, pre- and post-hospitalisation, day-care treatments, etc.

Day 1 Coverage - Provides immediate coverage from the first day so that you can access medical care promptly during emergencies and accidents.

AYUSH & Modern Treatments - Offers coverage for modern treatments, such as oral chemotherapy and balloon sinuplasty, as well as AYUSH (Ayurveda, Yoga, Unani, Siddha and Homoeopathy) treatments.

Cataract Treatment - We cover medical expenses incurred for treatment of Cataract surgery, subject to a maximum limit of ₹40,000 per eye in a policy year.

Emergency Ground Ambulance - Reimburses reasonable and customary charges for ground ambulance services used to transport you from the place of illness or injury to a hospital or from one hospital to another for appropriate medical treatment.

What is not covered?

Non-Medical Treatments - All medically necessary expenses are covered except treatments like cosmetic surgeries, change of gender treatments and correction of eyesight due to refractive error less than 7.5 dioptres.

Sterility & Infertility - Since the policy is designed around necessary medical treatment, expenses related to fertility treatments are excluded.

Waiting Period - While accident-related claims are covered from day one, expenses related to the treatment of a pre-existing disability are covered after 24 months and treatment related to pre-existing diseases is covered after 48 months of continuous coverage.

Breach of Law - Medical expenses arising from or related to committing or attempting to commit an act in breach of law with criminal intent are not included.

Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here.

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Eligibility Criteria for IndusInd Health Insurance for the Specially Abled

Parameter	Details
Entry Age	For adults: 18 years to 65 years For dependent children: 1 year to 17 years
Exit Age	No exit age. This policy offers lifelong renewability.
Coverage	Individual policy
Policy Tenure	1 year
Is a Medical Examination Needed?	All applicants must undergo a mandatory pre-policy medical check-up, regardless of age or chosen sum insured.

How to Buy/Renew Specially Abled Health Insurance?

Buy Online

Scroll to the top to buy health insurance for the handicapped. For instant quotes, use the calculator below.

Enter your name, city, email address and mobile number in the space provided.

Mark the terms and conditions box and click on "Submit".

Our team will contact you within 24-48 hours with the available coverage options.

Choose a plan from the options provided and make the premium payment to buy the plan.

Renew Online

Go to the form at the top of the page and select the "Renewal" tab or tap on the "InstaRenew" option on our mobile app.

Enter your existing policy number or registered mobile number along with the other requested details.

Review and make any changes if needed. Click “Submit” to proceed.

The revised premium will be displayed on your screen, with the cost breakdown.

If you are satisfied with the amount, complete the payment to renew your specially-abled health plan.

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How to Choose the Best Health Insurance for Disabled?

Start by checking what the policy actually covers. A good health insurance plan for persons with disabilities should include hospitalisation expenses, pre- and post-hospitalisation care, day-care procedures and, where possible, AYUSH treatment. Make sure the policy you choose also includes disability-related medical needs, not just general treatment.

Review waiting periods carefully to understand how long you will need to wait before certain benefits kick in. Also, go through the exclusions list to avoid surprises later, especially for treatments linked to existing disabilities.

Choose a sum insured that offers sufficient coverage for medical expenses, keeping rising healthcare costs in mind. Check for sub-limits on room rent and specific diseases, as these can affect out-of-pocket expenses during a claim.

A wide network of cashless hospitals makes treatment smoother, so it is essential to ensure reputed hospitals near your location are part of the insurer’s network.

While affordability matters, do not choose a plan solely because it is cheaper. Compare premiums against coverage, benefits and claim support to find the right balance between cost and protection.

An easy, transparent claims process is crucial. Look for an insurer with high claim settlement ratios, clear documentation requirements and responsive customer support.

Before buying, read the policy wordings in detail. This helps you understand your rights, responsibilities and the fine print, ensuring the policy meets your long-term healthcare needs.

How to Claim Specially Abled Health Insurance?

Steps to File a Claim:

Notify Us Promptly

Planned hospitalisation? Inform us at least 48 hours before admission.
Emergency? Notify us within 24 hours of hospitalisation.

How to contact us?

Email: igicl.icarehealth@indusindinsurance.com, App: IndusInd Insurance App

Website: https://transact.indusindinsurance.com/

Courier (for offline submission):
IndusInd General Insurance,
3rd Floor, Krishe Block, Krishe Sapphire,
Madhapur, Hyderabad – 500081

Phone: 022-4890 3009 / 022-4111 2600

Cashless Treatment at Network Hospitals

Once you notify, IndusInd General Insurance will:
Verify your policy and send an approval letter to the hospital.
Alert the hospital about any missing documents within 4 hours.
Reject and notify if treatment isn’t covered.

Cashless Treatment at Authorised Non-Network Hospitals

The Cashless Everywhere feature allows you to avail of cashless hospitalisation even at non-network hospitals.
The cashless claim is available via the IndusInd health claims team, ICARE, on your health card:

Call: 022-4890 3009 (Paid).
Submit documents to ICARE.
ICARE will coordinate for cashless approval if eligible.

Reimbursement Claims (Any Hospital)

If cashless is denied, don’t worry. You can still claim via reimbursement.

Fill and sign the claim form.
Submit required documents (bills, prescriptions, discharge summary, etc.) within 15 days of treatment.
We will process and pay the approved amount, usually within 30 days.

Disclaimer: For precise claim-related information, please refer to policy documents or get in touch with our customer helpline.

Considerations While Filing a Claim for Specially Abled Health Insurance?

Waiting Periods	Descriptions
First 30-day waiting period	A 30-day waiting period is applicable from the start of the policy date to the treatment of any illness except for claims related to an accident.
Pre-Existing Disease Waiting	24 months for pre-existing disability / 36 months for all pre-existing conditions other than HIV/AIDS and disability.
Specified Disease/ Procedure	A 2-year waiting period is applicable to specific diseases, such as benign ENT disorders, hysterectomy and tonsillectomy. For a complete list of such conditions, refer to the policy documents.

Things to Keep in Mind While Filing a Claim

Terms and Conditions

For a policyholder with multiple disability health plans, you can only file a claim against any one of them.
The policy must be renewed within the 30-day grace period after expiry to avoid losing coverage.
Non-disclosure or submission of incorrect information can result in instant cancellation of your policy.
You must pay the deductibles or co-payment amount from your out-of-pocket expenses to initiate the claim settlement coverage for your medical requirements
You must make a nomination for your health insurance policy, who will receive the claim on your behalf in the event of your death.
The claim settlement amount will be paid based on the specific claim requests applicable to your chosen policy coverage and sum insured.

Responsibilities of a Policyholder/ Insured Person

Submit a completed cashless request form to the TPA (Third Party Administrator) or us for authorisation.
Provide all relevant medical information to the TPA or us if the pre-authorisation form request is denied.
Provide any additional information or documentation required by us or the TPA to verify the claim request.
For reimbursement claims, submit all the necessary documentation to us or the TPA within 7 days after discharge.
Maintain a record of all your medical bills, payment receipts, etc.
Do not file any false claims or claims before the waiting period is over.

Key Takeaways

For too long, standard policies have overlooked the nuances of living with special needs, often leaving gaps where support is needed most. Having a dedicated plan ensures that individuals with disabilities are not just covered but are actually cared for in a way that respects their unique medical journeys. These policies serve as a vital safety net, relieving the constant anxiety about high healthcare costs.

At IndusInd General Insurance, we have leaned into this philosophy by designing coverage that mirrors the requirements of the community. Our disability medical insurance policy is built to be comprehensive, including everything from standard hospitalisation and ambulance charges to AYUSH and modern medical treatments. We also provide coverage for treatment related to a pre-existing disability after just 2 years, ensuring financial protection that feels both practical and inclusive.

For anyone looking to secure healthcare coverage that aligns with their special needs, IndusInd specially abled health insurance serves as a safety net that is as resilient and flexible as you need it to be.

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IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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4.8 ★ ★ ★ ★ ★ (508)

Ritik

Noida

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.

Srivathsav Parthasarathi

West Midnapore

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Sateesh Kumarkuchipudi

West Godavari

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Vanga Naveen

West Godavari

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.

Sirraatchuta Ram Babua

West Godavari

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Manoj Kumarmogha

New Delhi

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Vasantha

Wayanad

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.

Jasmin K

Wayanad

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Nazeer Salma Abdulla

Wayanad

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.

Sripal Reddymadhi Reddy

Warangal

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Veeraiah Kamatam

Wanaparthy

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.

Sivaganesh Madamsetti

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

Sudha Ranimadabattula

Visakhapatnam

Quick policy issuance

I recently purchased my health insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Yerususatya Prasad

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.

Karu Rama Rao

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Ravi Teja Anem

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Bhimabattula Aruna Devi

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Kantimahanti Balakrishna

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

Prasad Rao Rayavarapu

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Ramachandran

Villupuram

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Sanjit Kumar Tiwari

Vaishali

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.

Vishanth K

Uttara Kannada

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.

Akk Amma Anand Kumarsiddanavar

Uttara Kannada

Quick policy issuance

I recently purchased my health insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

N Amitha Ramesh

Tumakuru

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.

Ramakrishna Prasadvadala Setty

Trimulgherry

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.

Prasanna Lakshmi Kuruganti

Trimulgherry

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.

Indumathi Indumathi

Tiruvannamalai

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Pandurangdah M

Tiruvallur

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs

C Jaikanth

Tiruvallur

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.

Ramesh L

Tiruvallur

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.

Nirmala Chell Appa

Tirunelveli

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.

Ganesan Aarathi

Tiruchirappalli

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.

Saji Chandran

Thrissur

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Grace Mathew

Thrissur

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.

Anoop T M

Thrissur

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance General Insurance (now IndusInd General Insurance). The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Kencysam Sr Kency Samsr

Thiruvananthapuram

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Wafa Mol R N

Thiruvananthapuram

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.

Vinoth R

Thanjavur

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.

Sampada Vijay Jagdale

Thane

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Geetanjali Ganpat Namaye

Thane

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.

Bibinagar Sureshchary

Telangana

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.

Pawan Kumar

Tarn Taran

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.

Modugusatish Reddy

Suryapet

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.

Kanakai Ahgudipati

Suryapet

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.

Hiralsagar Bhaisardhara

Surat

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Amit Bhaidurlabh Bhai Rajpara

Surat

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.

Ankur Kotnala

Surat

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.

Anil Kumar Ram Sringarsaroj

Sultanpur

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.

Marxia Tamil Selvan

Sivaganga

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.

Prasad Nangunoori

Siddipet

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

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Frequently Asked Questions (FAQs)

What documents are required to buy specially-abled health insurance?

To purchase specially-abled health insurance, you will need a valid disability certificate issued by the Medical Board appointed by the government for certifying disability. Along with this, you must submit proof of identity, address and income as well as previous medical reports.

Are pre-existing disabilities covered by health insurance for a disabled person?

Yes, pre-existing disabilities are covered under IndusInd health insurance for the disabled. However, coverage begins after a waiting period of S, after which related treatment expenses become eligible for claims.

Can I buy multiple disability insurance policies?

Yes, you can buy more than one disability insurance policy for your medical needs. However, you need to check for specific policy terms and conditions to assess what benefits can be claimed under which plan. Moreover, you must ensure no duplicate claims are filed for the same treatment with different policies.

Does specially-abled health insurance cover permanent disability?

Some plans may include permanent disability coverage, depending on the choice of policy and insurer. The scope of coverage includes assistive support expenses, rehabilitation costs, etc.

Do persons with disabilities get any tax benefits?

Yes. Persons with disabilities can claim tax deductions under Section 80U of the Income Tax Act, 1961 (now Section 154 of the Income Tax Act, 2025). As per this section, individuals with 40%-80% disability can claim deductions of up to ₹75,000 while those with over 80% disability can claim up to ₹1,25,000, subject to valid certification.

Can I buy health insurance after suffering a disability from an accident?

Yes, you can buy a specially-abled health plan after suffering a disability due to an accident. However, you need to check the specific policy terms and conditions to determine which benefits can be claimed under each plan. Moreover, you must ensure that no duplicate claims are filed for the same treatment with different policies.