🩺 Swavalamban Health Insurance Scheme – Divyang Vyaktiyon ke Liye Special Medical Coverage (2025 Guide)

Focus Keywords: Swavalamban Health Insurance 2025, Divyang insurance scheme, health scheme for disabled, Niramaya vs Swavalamban insurance, Modi Yojana for Persons with Disabilities

🔶 1. Introduction – Jab Health Insurance Ho Sabke Liye

India mein kai health insurance schemes available hain, lekin Divyangjan (Persons with Disabilities) ke liye bahut kam aise plans hote hain jo unke special medical needs ko dhyan mein rakhkar banaye gaye hoon. Isi kami ko door karne ke liye launch ki gayi hai: Swavalamban Health Insurance Scheme.

Yeh scheme specifically un logon ke liye hai jo physical, mental, hearing, visual ya kisi aur disability ke saath jeevan jee rahe hain, jisse wo bhi standard healthcare facilities ka labh le saken bina financial tension ke.

🔶 2. Scheme Ka Objective – Divyangon Ko Aarthik Suraksha Dena

✅ Persons with Disabilities ko affordable aur accessible health coverage dena
✅ Financial burden kam karna hospitalization aur treatment ke samay
✅ Preventive aur regular healthcare ka access dena
✅ Divyang logon aur unke parivaar ko medical emergencies se bachana
✅ Inclusion aur dignity promote karna

Is scheme ka motto hai: “Swasth Divyang – Saksham Bharat.”

🔶 3. Scheme Ki Highlights – Kya Kya Milta Hai?

📌 Sum Insured: ₹2,00,000 per annum per family
📌 Coverage Type: Floater policy (Divyang vyakti + 3 family members tak)
📌 Premium: Subsidized premium (Rs. 356 per annum approx.)
📌 Age Limit: 0 to 65 years
📌 No Pre-medical Test Required
📌 Pre-existing Diseases Covered from Day 1
📌 Cashless Facility Available

🧾 Insurance company: The New India Assurance Co. Ltd.
🧑‍🏫 Nodal agency: National Trust (under DEPwD, Govt. of India)

🔶 4. Kya Kya Cover Hota Hai?

✅ Hospitalization (pre & post 30/60 days)
✅ OPD treatment
✅ Day-care procedures
✅ Diagnostic tests
✅ Surgery
✅ Maternity benefits
✅ Ambulance charges
✅ Medicines
✅ Room rent, ICU charges

💡 Special facilities for autism, cerebral palsy, mental retardation, and multiple disabilities bhi covered hain.

🔶 5. Eligibility Criteria – Kaun Le Sakta Hai Labh?

✅ Indian citizen hona chahiye
✅ Age: 0–65 years
✅ Person must have at least 40% disability (certified)
✅ Valid UDID Card ya Disability Certificate hona chahiye
✅ Family members bhi co-beneficiary ho sakte hain (up to 3)
✅ Scheme mein pehle se enrolled nahi hona chahiye kisi aur similar policy mein

🎯 BPL ya low-income Divyang families ko priority milti hai.

🔶 6. Required Documents

📄 Aadhaar Card (applicant + family)
📄 UDID Card / Disability Certificate
📄 Passport size photo
📄 Address proof
📄 Income proof (optional)
📄 Bank details
📄 Mobile number

🔶 7. Kaise Apply Karein? – Step-by-Step Guide

✅ Option 1: Online Registration

Visit karein: www.thenationaltrust.gov.in
“Swavalamban Health Insurance” section open karein
Registration form bhar ke documents upload karein
Online payment of premium karein
Aapka policy document aapke email/mobile par aayega

✅ Option 2: CSC (Common Service Center) Ke Madhyam Se

Apne najdeeki CSC par jaayein
VLE se “Swavalamban Health Insurance Scheme” ke liye form bharne ko kahe
Documents dekar biometric verification karwayein
Premium pay karen (Cash/Digital)
Policy copy print lekar le jaayein

📌 CSCs especially rural areas ke Divyang applicants ke liye bahut helpful hote hain

🔶 8. Policy Renew Kaise Karein?

✅ Policy har saal renew hoti hai
✅ Aap online ya CSC se renewal kar sakte hain
✅ Renewal reminder aapke mobile/email par aata hai
✅ Koi medical test ya new documents ki zarurat nahi hoti

🔶 9. Niramaya vs Swavalamban – Kya Fark Hai?

Feature	Swavalamban	Niramaya
Age Limit	0–65 years	0–25 years (mostly for mentally challenged)
Coverage	₹2 lakh floater plan	₹1 lakh per person
Premium	₹356 approx	₹250–₹500 approx
Eligibility	Any 40% disabled person	Specific disabilities (NT list)
Issuing Agency	New India Assurance + National Trust	National Trust
Cashless	Yes	Partial reimbursement

Dono schemes ke apne-apne faayde hain – aapko jo better suit kare use choose kar sakte hain.

🔶 10. FAQs – Swavalamban Health Insurance Scheme

Q1. Kya yeh insurance har disability ke liye available hai?
👉 Haan, physical, mental, hearing, visual, multiple sab disabilities covered hain.

Q2. Kya yeh policy private hospitals mein bhi valid hai?
👉 Haan, panel mein listed private aur government dono hospitals cover hote hain.

Q3. Kya main sirf khud ke liye apply kar sakta hoon?
👉 Haan, aap individual ya family floater plan dono mein choose kar sakte hain.

Q4. Policy claim kaise karein?
👉 Aap panel hospital mein cashless treatment le sakte hain ya reimbursement ke liye claim file kar sakte hain.

Q5. Agar main kisi aur scheme ka labh le raha hoon to kya yeh insurance le sakta hoon?
👉 Haan, agar woh health insurance nahi hai to aap Swavalamban policy le sakte hain.

🔶 11. Real-Life Impact – Surakshit Zindagi Ki Kahaniyan

✔️ UP ke Ravi (orthopedic disabled) ne 2023 mein accident ke baad ₹85,000 ka claim cashless treatment se liya
✔️ Odisha ki Meena (hearing impaired) ko maternity hospitalization mein ₹42,000 ka benefit mila
✔️ CSC ke through apply karne se rural Divyang log bhi timely claim aur renewal kar paa rahe hain

Is scheme ne medical emergencies mein Divyang families ko bachaaya hai karz lene se.

🔶 12. Conclusion – Swasth Divyang, Saksham Parivaar

Swavalamban Health Insurance Scheme ek aisa kadam hai jisse Divyang vyaktiyon ke jeevan mein suraksha, aatma-vishwas aur sammaan aata hai. Jab aapke paas medical coverage hota hai, tab aap be-fikr hokar jee sakte hain aur naye sapne dekh sakte hain.

Agar aap ya aapke ghar mein koi Divyang vyakti hai, toh aaj hi is scheme ke liye apply karein – aur ek secure future ki taraf kadam badhaayein.

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