Health insurance plans starting at just ₹243/month*
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Coverage up to ₹5 Crores
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10,000+ Network Hospitals*
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20+ Add-Ons Available*
IndusInd Specially-Abled Health Insurance
In today's fast-paced world, it is assumed that approximately 15% of the world's population lives with a disability. In India, around 5% to 8% of the population is living with disabilities, making it a major medical concern requiring high expenses.
Health insurance is crucial for managing increasing medical costs. But does it cover the needs of specially-abled individuals?
Very few insurers in India offer specially abled health insurance to help you manage the medical bills associated with necessary healthcare and treatments. At IndusInd General, you can secure yourself with a dedicated health plan for specially-abled individuals at affordable rates.
IndusInd General Specially-Abled Health Insurance is a type of health insurance that is designed to provide financial support to individuals with certain disabilities.
It offers comprehensive coverage for a wide range of medical expenses, such as special treatments, rehabilitation, pre- and post-hospitalisation, and more, so you can manage your finances in times of need.
Types of Disabilities Covered
Blindness
Thalassemia
Muscular Dystrophy
Intellectual Disability
Low vision
Haemophilia
Chronic Neurological conditions
Leprosy Cured persons
Sickle Cell Disease
Specific Learning Disabilities
Autism spectrum disorder
Multiple Sclerosis
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
How Does the IndusInd Specially-Abled Health Insurance Work?
Buy a Plan - Go to our website and buy the plan.
Select Your Coverage - To personalise your policy, you can choose the sum insured, add-ons if available, and other coverage options.
Pay the Premium - Make regular premium payments toward your policy to avoid losing coverage. The premium can vary based on your age, health condition, level and type of disability, and coverage selections.
File Claims - When you need medical treatment for your disability, file a cashless or reimbursement claim with us. Submit the necessary bills, claim forms, and other documents.
Get Claim Settlements - Once we verify your claim, you will receive the claim settlement amount reimbursed to your bank account or settled directly with the hospital.
Key Features and Benefits of IndusInd Specially Abled Health Insurance
Key Features | Details |
|---|---|
Affordable Premium | Premiums start at ₹243/month* |
Comprehensive Coverage | It covers hospitalisation, treatment expenses, ambulance charges, inpatient and outpatient treatment costs, etc. |
Cashless Everywhere | File a cashless claim at any network and non-network hospital in India. |
Renewability | Lifelong |
Discounts | Get up to 40% off premiums, including online policy purchase discounts, girl child discounts, credit score discounts, and more. |
No Claim Bonus | Get up to 50% discount on premiums at the time of renewal for every consecutive claim-free year. |
Co-Payments | Opt for a higher voluntary deductible to get more discounts on premiums. |
Network of Hospitals | Get quality treatments at any one of our 10,000+ network hospitals. |
Online Convenience | You can buy, renew, and file claims online using our user-friendly website or our IndusInd Self-i mobile app. |
24/7 Customer Support | Get instant query resolution from our customer support experts, who are available 24/7. |
Tax Deductions* | |
Inclusions & Exclusions of IndusInd Insurance for the Disabled
Inclusions
Hospitalisation Expenses: Inpatient Treatment, Day Care procedure
AYUSH Treatment: Medical expenses incurred for inpatient care treatment under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines during each Policy Year up to the Sum Insured.
Pre & Post Hospitalisation: From doctor consultation or diagnostic tests leading to a hospitalisation or post-surgery recovery expenses, we cover them all.
Emergency Ground Ambulance: Expenses incurred on road Ambulances are subject to a maximum of ₹2000/—per hospitalisation.
Modern Treatment: Covers In-patient or as part of Day Care Treatment in a Hospital up to 50% of Sum Insured.
Cataract Treatment: This policy covers medical expenses incurred for treating Cataracts, subject to a limit of ₹40,000/—per eye in one policy year.
Exclusions
Admission primarily for investigation & evaluation
Admission primarily for rest Cure, rehabilitation, and respite care
Expenses related to the surgical treatment of obesity that do not fulfil certain conditions.
Change of Gender treatments
Expenses for cosmetic or plastic surgery expenses related to any treatment necessitated due to participation in hazardous or adventure sports
Pre-existing conditions
Treatments taken outside India
War or nuclear attacks
Infertility treatments
Reproduction-related artificial treatments
Organ donations
Self-inflicted injuries
Substance abuse
Claims outside policy inclusions
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How to Choose the Best Insurance for the Disabled?
Assess Your Coverage Needs
Understand your coverage needs based on the type and level of disability. This involves the kind of treatments and medical expenses you will need.
Compare Plans
Once you have a clear understanding of what you want, compare plans from different insurers based on your needs, budget, and what they offer.
Check for Customisation
After selecting any plan, check for the option of customising your plan with add-ons to increase your policy coverage for disability-specific needs.
Premium and Discounts
Check for the premium quotations to determine whether the plan fits your budget. Moreover, look for discounts to reduce your health insurance premiums.
Insurer's Claim Settlement Ratio
Go for an insurer with a high claim settlement ratio to enjoy timely and efficient claim settlements.
Review Policy Wording
Read the policy document carefully to check the claim-specific terms, conditions, and eligibility to make informed decisions.
Check Online Convenience
Review the process to buy, renew, and file claims available with your chosen insurer. Choose the insurer that offers the convenience of online processes.
Customer Support
Choose an insurer that offers quick and convenient customer support for instant query resolution.
Eligibility Criteria for IndusInd Disability Health Insurance?
Parameter | Details |
|---|---|
| For adults: 18 years to 65 years
|
Exit Age | No exit age. This policy offers lifelong renewability. |
Coverage | Individual Policy |
Policy Tenure | 1 year |
How to Buy/Renew Specially Abled Health Insurance?
Buy Specially Abled Health Insurance
Visit our website > Explore Products > Specially-Abled Health Insurance.
On the main page, enter your name, city, email address, and mobile number in the space provided.
Tick 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 Specially Abled Health Insurance
Go to our website.
Select “Renewal" and click on “Renew Health Insurance".
Add your policy or mobile number along with other requested information on the next page.
Review your policy, make changes as required and click “Submit"
A revised premium will open on the screen. If satisfactory, make the premium payment to renew your specially-abled health plan.
Documents Required to Buy IndusInd Specially Abled Health Insurance
Proof of identity - Aadhaar card, PAN card, passport, etc.
Proof of address - Aadhaar card, rental agreement, utility bills, etc.
Proof of income - bank statement, ITR, salary slips, etc.
Proof of completion of C-KYC as per the guidelines by the IRDAI
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Previous medical reports
How to File a Claim Under IndusInd Specially Abled Health Insurance?
Cashless Claims
Step 1
Inform the claims team regarding hospital admission. Click here to send an email immediately to inform us about the incident, log in through the Self-i App, or call (022) 4890 3009 (Paid Number).
Step 2
Visit any network or non-network hospital, submit a pre-authorisation form, and get the desired treatment.
Step 3
Once the treatment is completed, submit all your medical reports, bills, etc., to the hospital. They will share these documents with us for verification.
Step 4
Upon verification, we will settle the applicable claim directly with the hospital on your behalf.
Reimbursement Claims
Step 1
Inform the claims team regarding hospital admission. Click here to send an email immediately to inform us about the incident, log in through the Self-i App, or call (022) 4890 3009 (Paid Number).
Step 2
Visit any network or non-network hospital and get the desired treatment.
Step 3
Once done, pay all the due medical bills and collect all payment receipts, invoices, and other necessary documents for submission.
Step 4
Submit your original scanned documents within 7 days from hospital discharge to initiate the reimbursement claim.
Step 5
We will verify your claim and medical documents and, upon approval, reimburse the applicable claim amount to your registered bank account.
Documents Required for a Disability Medical Insurance Claim
A duly filled and signed claim form.
Doctor's prescription
Diagnostic reports
Original medical bills
All medical payment receipts and invoices
NEFT bank details (for reimbursement claims)
Proof of KYC completion
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. A continuous coverage of 24 months is essential after the date of inception of the first policy. |
Health insurance starting at just ₹243 per month*!
From Hospital to Home, We’ve Got You Covered!
Access quality medical care without worrying about medical costs. With IndusInd General Insurance, you're covered from health checkups to surgeries!
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 or us for authorisation.
Provide all relevant medical information to the TPA or us if the pre-authorisation form request is denied.
Inform us regarding the medical treatment within 24 hours for emergencies or at least 48 hours before planned hospitalisation.
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.
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Disclaimer:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
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