Skip to main content

Disability Insurance

 
 

Insurance for Disabled Patients in India

Disabled person has to face many problems such as dependency on others, lesser or no income source etc. Moreover treatment cost and insurance for disability is very high because of which seeking medical care is unaffordable for poor people. Considering this situation, Nirmaya – health insurance scheme was launched by Government of India who also funds this scheme. Here are the details for this scheme:

Coverage

Rs.100,000 (1 Lac) for each disabled person

Premium

There is fixed premium of Rs. 250 irrespective of age and income group. Normally in case of other insurance policies, premium increases with age.

Benefits

Few of the most important benefits are:

  • Pre and post hospitalization expenses are covered however there it carries a cap
  • Pre existing diseases are not excluded
  • People can enter anytime in this scheme
  • No pre-medical test required
  • Cashless claims in all the network hospitals
  • If hospital is not in the network list then payment should be made manually and then application for reimbursement is to be done.
  • Regular medical check-up, therapy, corrective surgery, transportation is also provided
 
NIRAMAYA – BENEFIT CHART (ON REIMBURSEMENT BASIS)
DetailLimit (in Rs.)
Hospitalization Limit1 Lac
Hospitalization1 Lac
Corrective SurgeriesFifty Thousand
Non-SurgicalFifteen Thousand
Preventive SurgeryFifteen Thousand
OPD LimitTen Thousand
OPD treatment including testsFive Thousand
Regular Medical check-up for non-ailing disabled.Five Thousand
Ongoing TherapiesTen Thousand
Dental Preventive DentistryTwo Thousand Five Hundred
Alternative Medicine (to be considered within limit of IPD or OPD).Four Thousand Five Hundred
Transportation costs (to be considered within limit of IPD or OPD).One Thousand
Overall Coverage Limit:  Rs. 1,00,000

How to Apply

Person can enrol in this scheme through the nearest organization registered with National Trust. These organizations will then send the application form to Nirmaya. After successful enrolment the person would get covered under this health insurance policy after 2 months of approval. If application is submitted between 01Sep-28Feb, then person is covered from April and when submission is done between 1st March-31st August, the person will get covered from October. E-card (biometric/smart card) is issued in the next month after submission of application.

Claim Procedure

Completed claim form should be submitted to ICICI Lombard General Insurance Company within 30 days of treatment or after discharge from the hospital at the following address:

ICICI Lombard General Insurance Company

Narain Manzil, 3rd floor,

23, Barakhamba Road, New Delhi – 110 001.

Tel:+91 11 55310657

This scheme after it's launch in 2008 has turned out be extremely beneficial to the people of India as access to healthcare has become very easy and affordable.

Invest Rs 1,50,000 and Save Tax under Section 80C. Get Great Returns by Investing in Best Performing ELSS Mutual Funds

Top 10 Tax Saving Mutual Funds to invest in India for 2016 or Best 10 ELSS Mutual Funds in india for 2016

1. BNP Paribas Long Term Equity Fund

2. Axis Tax Saver Fund

3. Franklin India TaxShield

4. ICICI Prudential Long Term Equity Fund

5. IDFC Tax Advantage (ELSS) Fund

6. Birla Sun Life Tax Relief 96

7. DSP BlackRock Tax Saver Fund

8. Reliance Tax Saver (ELSS) Fund

9. Religare Tax Plan

10. Birla Sun Life Tax Plan

Invest in Best Performing 2016 Tax Saver Mutual Funds Online

Invest Online

Download Application Forms

For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call

---------------------------------------------

Leave your comment with mail ID and we will answer them

OR

You can write to us at

PrajnaCapital [at] Gmail [dot] Com

OR

Leave a missed Call on 94 8300 8300

Popular posts from this blog

ULIP Review: ProGrowth Super II

  If you are interested in a death cover that's just big enough, HDFC SL ProGrowth Super II is something worth a try. The beauty is it has something for everybody — you name the risk profile, the category is right up there. But do a SWOT analysis of the basket, and the gloss fades     HDFC SL ProGrowth Super II is a type-II unit-linked insurance plan ( ULIP ). Launched in September 2010, this is a small ticket-size scheme with multiple rider options and adequate death cover. It offers five investment options (funds) — one in each category of large-cap equity, mid-cap equity, balanced, debt and money market fund. COST STRUCTURE: ProGrowth Super II is reasonably priced, with the premium allocation charge lower than most others in the category. However, the scheme's mortality charge is almost 60% that of LIC mortality table for those investing early in life. This charge reduces with age. BENEFITS: Investors can choose a sum assured between 10-40 times the annualised premium...

Am you Required to E-file Tax Return?

Download Tax Saving Mutual Fund Application Forms Invest In Tax Saving Mutual Funds Online Buy Gold Mutual Funds Leave a missed Call on 94 8300 8300   Am I Required to 'E-file' My Return? Yes, under the law you are required to e-file your return if your income for the year is Rs. 500,000 or more. Even if you are not required to e-file your return, it is advisable to do so for the following benefits: i) E-filing is environment friendly. ii) E-filing ensures certain validations before the return is filed. Therefore, e-returns are more accurate than the paper returns. iii) E-returns are processed faster than the paper returns. iv) E-filing can be done from the comfort of home/office and you do not have to stand in queue to e-file. v) E-returns can be accessed anytime from the tax department's e-filing portal. For further information contact Prajna Capit...

IDFC - Long term infrastructure bonds - Tranche 2

IDFC - Long term infrastructure bonds What are infrastructure bonds? In 2010, the government introduced a new section 80CCF under the Income Tax Act, 1961 (" Income Tax Act ") to provide for income tax deductions for subscription to long-term infrastructure bonds and pursuant to that the Central Board of Direct Taxes passed Notification No. 48/2010/F.No.149/84/2010-SO(TPL) dated July 9, 2010. These long term infrastructure bonds offer an additional window of tax deduction of investments up to Rs. 20,000 for the financial year 2010-11. This deduction is over and above the Rs 1 lakh deduction available under sections 80C, 80CCC and 80CCD read with section 80CCE of the Income Tax Act. Infrastructure bonds help in intermediating the retail investor's savings into infrastructure sector directly. Long term infrastructure Bonds by IDFC IDFC issued an earlier tranche of these long term infrastructure bonds on November 12, 2010. This is the second public issue of long-te...

Section 80CCD

Top SIP Funds Online   Income tax deduction under section 80CCD Under Income Tax, TaxPayers have the benefit of claiming several deductions. Out of the deduction avenues, Section 80CCD provides t axpayer deductions against investments made in specific sector s. Under Section 80CCD, an assessee is eligible to claim deductions against the contributions made to the National Pension Scheme or Atal Pension Yojana. Contributions made by an employer to National Pension Scheme are also eligible for deductions under the provisions of Section 80 CCD. In this article, we will take a look at the primary features of this section, the terms and conditions for claiming deductions, the eligibility to claim such deductions, and some of the commonly asked questions in this regard. There are two parts of Section 80CCD. Subsection 1 of this section refers to tax deductions for all assesses who are central government or state government employees, or self-employed or employed by any other employers. In...

Merger of Tata Indo-Global Infrastructure Fund with Tata Equity Opportunities Fund

Download Tax Saving Mutual Fund Application Forms Invest In Tax Saving Mutual Funds Online Buy Gold Mutual Funds Leave a missed Call on 94 8300 8300 Merger of Tata Indo-Global Infrastructure Fund with Tata Equity Opportunities Fund Tata Mutual Fund has decided to merge Tata Indo-Global Infrastructure Fund with Tata Equity Opportunities Fund, with effect from January 16, 2015.   Investors of Tata Indo-Global Infrastructure Fund can redeem/ switch out units from December 13, 2014 to January 12, 2015 without paying any exit load. For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call Leave a missed Call on 94 8300 8300 Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest Mutual Funds Online Invest Any Mutual Fund Online Download Mutual Fund Application Forms from all AMCs Download Mutual Any Fund A...
Related Posts Plugin for WordPress, Blogger...
Invest in Tax Saving Mutual Funds Download Any Applications
Transact Mutual Funds Online Invest Online
Buy Gold Mutual Funds Invest Now