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Swavlamban, Health Insurance Scheme for Persons with Disability

A Health insurance Scheme for Persons with Disabilities was launched by The New India Assurance Company limited, in Association with Ministry Of Social Justice, Dept of Empowerment of Persons with Disabilities on 2nd October 2015. Persons with blindness, low vision, leprosy-cured, hearing impairment, loco-motor disability, Mental-Retardation and mental illness may apply for health insurance under the Swabalamban scheme.


  • Sum insured of Rs. 2 lacs on family floater for a period of 12 months.
  • 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.
  • Age band 0 – 65 years.
  • 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.

A person with disability, Spouse & up to two Children has to pay just 10% of the premium (Rs. 357) for a sum of Rs. 2 lac. Visit this New India Assurance Company’s page for enrolment form and other details.

7 thoughts on “Swavlamban, Health Insurance Scheme for Persons with Disability”

  1. The official site of New India Assurance Company is still showing text: “Persons with multiple disabilities, Cerebral Palsy & autism are not covered under this scheme” at http://www.newindia.co.in/Content.aspx?pageid=6363

    We admit that all persons with disabilities recognised by the new RPD Act of 2016 should be covered under the scheme. Do you know if anybody has been registered under the scheme? The Kolkata offices of the Company are still in the dark about it.

  2. Dear Sir,
    I live in Ulhasnagar, Kalyan, Thane, Maharasthtra & I am not meet your office because I am physically by both lag and I have not travel so your branch in near in Kalyan City But they was not open policy by your order so Sir I request you please understand my problem and recurred by scheme in my near city
    Dear Sir, I am secretary by Apang Adhar Sewa Sanstha & our Sanstha in 50 person is disability so we are open the policy by your order. I hope you are attended my letter and action. Pls. replay my comment

    1. Dear Sir,

      It seems that you have mistaken us for a Maharashtra-based organisation. Our organisation, Blind Persons’ Association is located in Kolkata.

  3. When I called the insurance company they are saying that the scheme iis not available now it seems they said that they don’t have any idea when it is going to start again. so please help me to gt started this scheme it is so helpful fo the disabled persons in india..i you want me to contact you can contact me to kvinod15@gmail.com

    1. We just made the news public as it was then an active link on the company’s official site. If they have stopped the scheme, it is unfortunate. Please contact the ministry of Social Justice and Empowerment. We shall also try to contact them from our end.

  4. Please send the address of TPA for Punjab area for sending the claim form for Swavlamban policy of a Divangjan person thanks

    1. Please click on the the link given on this page and contact the office for details. We are sorry, we cannot help with details like this.

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