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Insurance Cover to Disabled Persons

Dated:- 24-4-2015 - As per Insurance Regulatory and Development Authority of India (IRDAI) mentally challenged people get covered under medical insurance policies sold by Public Sector General Insurance Companies (PSGICs). Presently, the PSGICs provide mental illness cover to children if covered with or both parents simultaneously in the policy. Some PSGICs also provide mental illness cover to the persons under Employer-Employee Group Health Insurance Policies. While Life Insurance Risk coverage .....

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ding insurance facilities to handicapped and mentally challenged persons, it is the professional decision of the insurance company based on their own risk bearing capacity and approach. There are no specific Regulations/Guidelines issued by the Authority in this regard. The Government of India is implementing a scheme by name NIRAMAYA through which the handicapped and mentally challenged persons are covered for medical treatment upto ₹ 1 lakh. Aam Admi Bima Yojana (AABY) is also a Governme .....

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