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

ICICI Pru Mutual Fund Dividend

ICICI Prudential Mutual Fund has announced dividend under the following schemes: Scheme Dividend ( Rs /unit) ICICI Pru Capital Protection Oriented Ser V Plan B-D 0.03611325 ICICI Pru Capital Protection Oriented Ser V Plan B Direct-D 0.03611325 ICICI Pru Balanced Advantage Direct-DM 0.06 The record date has been fixed as February 08, 2017. ------------------------------ ------ Invest Rs 1,50,000 and Save Tax upto Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds Top 4 Tax Saver Mutual Funds for 2017 - 2018 Best 4 ELSS Mutual Funds to invest in India for 2017 1. DSP BlackRock Tax Saver Fund 2. Invesco India Tax Plan 3. Tata India Tax Savings Fund 4. BNP Paribas Long Term Equity Fund Invest in Best Performing 2017 Tax Saver Mutual Funds Online Invest Best Tax Saver Mutual Funds Online Download Top Tax Saver Mutual Funds  Application Forms For further information contact  SaveTaxGetRich on 94 8300 8300 ------------------------------ ------ Leave y...

What is Financial Freedom?

Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India)     There were many things common between our Freedom fighters. All had the Single vision (Free India), common goal (independence) and had a disciplined and focused approach. They were ready to do anything and everything and had made so many sacrifices to see India free . But the road to freedom was not easy .They had faced lot many hardships, went to jail so many times and even confronted physical and mental torture from the British. There was one more thing which proved to be an advantage to our fighters that most of them were professional lawyers. The knowledge of legal issues and its impact on our country at large has helped them counter various bills and proposed new laws by the then government. It is due to their continuous effort that we are able to achieve the goal of Independent Indi...

Hidden Bank Fees

  What Banks Hide From Customers Imagine after a peaceful and exciting holiday you receive your bank statement with steep charges. You then rush to your bank and start confronting staff members and to your dismay, you come to know that the high end debit card was charged very heavily. Wouldn't this cause damage to your finances? So remember, the world outside is full of deceptive and double cheating people. Unethical practices are always used by company sales person in order to meet the target. Credit card companies, mutual funds and bank institutions always play dirty tricks to lure customers and the practices are rampant. So here's how you should be careful while dealing with your banks: High End Debit Card Charges While opening an account with a bank you opt for a debit card with minimal charges. But later on when you upgrade your card and opt for high end debit card the annual charge rise by a good amount. Though such a card has slew of features but it all comes at a high ...

Partial withdrawal from PPF

  Public Provident Fund (PPF) account has a lock in period   If you opened a PPF account to meet your retirement needs,, think twice about withdrawing from this fund before retirement. But provided it's an emergency here are the rules. Public Provident Fund (PPF) account has a lock in period before which you cannot withdraw your money.   The partial withdrawal is allowed after the completion of 6 financial years . This means that you will be allowed a partial withdrawal from 1 April 2017. The maximum partial withdrawal allowed is the least of the following: 50 percent of the account balance at the end of fourth financial year, 31 March 15 50 percent of the account balance of the end of previous financial year, 31 March 17.   There's a loan option available on your PPF account between the fourth and the sixth financial year. You can obtain a loan of up to 25 per cent of the balance in your account. However, this will attract interest of 2 percent more than the prevailing ...

Updating a minor PAN card upon becoming adults

  Updating a minor's PAN card once they become adults A PAN card issued in the name of a minor does not contain the minor's photograph or signature, and therefore, cannot be used as a valid proof of identity. Once a minor PAN card holder turns 18, the relevant changes must be made in the PAN records. A new card is then issued bearing a photograph and signature. Application The applicant is required to fill up the "Request for new PAN card andor changes or correction in PAN data" form. The form can be filled up online by accessing NSDL's Tax Information Network website and clicking on the online PAN application tab. Information The applicant must mention the existing PAN number in the application and check the `photo mismatch' and `signature mismatch' boxes, and submit the online form. The form must also be printed out, signed by the applicant, and submitted along with two photographs. Documents Identity and address proof in the form of a copy of the app...
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