The current central government has introduced insurance schemes exclusively for PwD under the Sugamya Bharat Abhiyan (Accessible India Campaign).

Nodal Agencies

  • Department of empowerment of PwD
  • Ministry of social justice and empowerment

Niramaya Health Insurance

  • Scheme available all over India except J&K
  • Insurance cover of up to 1 lac to PwDs
  • Single premium across age bands
  • PwDs with disabilities under the National Trust Act are eligible 
  • No need for pre-medical tests before enrolling in the policy
  • OPD treatment facility available including medical check-up, tests, medicines, corrective surgeries and therapies
  • Alternate medicine to reduce disability impact
  • Covers transportation costs
  • Treatment took from any hospital
  • Insurance scheme on reimbursement basis only

Swavlamban Health Insurance Scheme

  • New India Assurance Company is the implementing agency
  • Uniform premium of 357 rupees per PwD person through out the country
  • Sum insured is 2 lacs for a year and will cover PwDs in the age group of 0 to 65 years
  • OPD benefits include 10000 p.a per PwD and 3000 p.a for mentally retarded people 
  • PwD family including spouse and up to two children are covered by this scheme
  • No premedical tests involved 
  • Cashless treatment to be taken in New India Assurance created network of hospitals for free treatment under the policy
  • Claims must be made to New India Assurance with PwD certificate 
  • Swavlamban excludes people with autism, cerebral palsy and Multiple disabilities 

Gharaunda Scheme

  • To provide basic medical care facilities for life long to PwDs 
  • Professional doctors to offer quality health care services
  • Scheme available throughout India except for J&K
  • Every Gharaunda centre to have a maximum of 30 PwDs including LIG and above LIG PwDs in the ratio of 1:1
  • Payment to be received annually from family members or institutions or guardians
  • Covers all adult PwDs included in the National Trust Act

Vikaas Scheme

  • It is a medical day care scheme for welfare of PwDs
  • Daycare offered to PwDs for a minimum of 6 hours daily (8 AM to 6 PM)
  • Maximum batch size of a Vikaas centre is 39
  • Day care centres to be opened for a minimum of 21 days in a month 
  • Minimum attendance fixed at 15 days
  • Covers medical treatment of the disability and other health care services
  • Scheme available throughout India except for J&K
  • National Trust will fund the PwD


  • GOI has introduced a slew of measures under the Accessible India campaign
  • This gives importance and recognises the importance of PwDs in the society
  • The contribution of PwDs to the society is on the rise
  • The enrollment of PwDs in the government jobs is also on the rise
  • The above health insurance schemes will boost the confidence of PwDs and enable them to live with self-esteem in the society
  • The hospital and medical expenses of the PwDs are eliminated to the core with these schemes
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