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Health Insurance for People with Disabilities
Nov 5, 2023

Do Health Insurance Plans Provide Coverage To People With Disabilities?

For many people, one of the primary reasons to buy health insurance is to protect against unforeseen health events that may end up making a dent in their savings. A health policy, be it for an individual or a family, is a way to prepare for any costs that may arise during a health emergency. This could be the need for surgery owing to health complications following ailments, or the need for hospitalisation and medical attention after an accident. Ideally, every person should be able to get a health insurance cover for themselves as well as their loved ones. Doing so would allow them to ensure that their finances and their family’s future is covered. But is this the case? Individuals with disabilities may also experience the need for a health insurance plan to protect their finances against unforeseen circumstances as well as afford the right healthcare for themselves when the need arises. Are health insurance plans available in India for people with disabilities? Can they buy health insurance that allows them to take care of their health? Let’s find out.

What Does Health Insurance Offer?

Health insurance plans are designed to provide coverage for a range of medical expenses. These expenses may include hospitalization, doctor consultations, diagnostic tests, surgeries, medications, and rehabilitation services, among others. Health insurance plans differ in terms of coverage, premium costs, and other features. Claims are subject to terms and conditions set forth under health insurance policy. Choosing the right health insurance is important because if there were a need to make a claim, the benefits and features of the plan chosen should provide the necessary coverage. Hence, you should compare among the available plans to choose the right one. You may also use a health insurance premium calculator to determine the most suitable option with respect to premium and coverage amount. Furthermore, health insurance requires regular renewal. The process can be fairly hassle-free as it is possible to renew health insurance online to ensure continuous coverage and convenience.

Need for Health Insurance for People with Disabilities

People with disabilities often face unique health challenges that may require frequent medical interventions, specialized treatments, assistive devices, or therapies. These additional healthcare requirements can result in higher healthcare costs. Health insurance provides a financial safety net, ensuring that individuals with disabilities can access the necessary medical services without bearing the burden of exorbitant expenses. Claims are subject to terms and conditions set forth under health insurance policy. Furthermore, health insurance offers peace of mind to individuals with disabilities and their families. It ensures that they are prepared for unexpected medical emergencies and have the necessary support to manage their healthcare needs effectively. Having health insurance coverage can alleviate the financial stress associated with disability-related healthcare costs and allow individuals to focus on their well-being and overall quality of life.

Can Health Insurance Cover People with Disabilities?

Yes, health insurance plans do provide coverage to people with disabilities. However, it is important to note that the extent of coverage may vary depending on the specific policy, insurance provider, and the nature of the disability. Insurance providers typically evaluate the individual's health condition and may consider pre-existing disabilities when determining coverage and premium costs. Additionally, health insurance policies may have certain exclusions or waiting periods for specific treatments or conditions related to the disability. It is essential for individuals to carefully review the policy terms and conditions before purchasing health insurance to ensure they understand the coverage and any limitations associated with their particular disability. When offering health policies to a person with disabilities, the insurer may require them to meet some eligibility criteria. This may be related to their financial health as well as their medical history. They may be required to provide their proof of income among other documents.

Health Insurance Tax Benefits for Individuals with Disabilities**

deduction under Section 80D of the Income Tax Act provide a wide range of deductions that may be availed by various sections of the demographic. However, for a person with a disability, Section 80DD of the Income Tax Act is of much relevance. This is a section that allows people with disabilities to claim tax benefits for the premiums paid towards health insurance policies, further reducing the overall financial burden. Under this act, a flat deduction of Rs. 75,000 is allowed for individuals with disabilities, from their gross total income. For people with severe disabilities, a deduction of Rs. 1,25,000 is provided. A disability certificate may be required to claim this exemption. Health insurance plans do provide coverage to people with disabilities, offering them access to essential healthcare services and financial protection. Individuals with disabilities should consider purchasing health insurance that meets their specific needs and ensures comprehensive coverage. It is advisable to compare health insurance plans, use an online premium calculator to estimate costs, and carefully review policy terms and conditions. By understanding the offerings and taking advantage of available options, individuals with disabilities can secure the necessary coverage, peace of mind, and financial support for their healthcare needs.   *Standard T&C apply ** Tax benefits are subject to change in prevalent tax laws Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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