Atmanirbhar Health Policy is specially designed for Persons with Disability, Mental Illness and Persons with HIV/AIDS to cover Hospitalisation expenses.

WHO CAN TAKE THIS POLICY?
This insurance is available to persons between the age of 18 years and 65 years and Children from newborn to 17 years. Insured must have certificate of 40% or more disability as certified by the competent authority as per the Disability Act 2016.

Note: The cover under this policy is available for persons with the following disability/disabilities as defined under the Rights of Persons with Disabilities Act, 2016 and any subsequent additions / modifications to the list in the Act.

1.  Blindness	2.  Muscular Dystrophy
3.  Low vision	4.  Chronic Neurological conditions
5.  Leprosy Cured persons	6.  Specific Learning Disabilities
7.  Hearing Impairment (deaf and hard of hearing)	8.  Multiple Sclerosis
9.  Locomotor Disability	10. Speech and Language disability
11. Dwarfism	12. Thalassemia
13. Intellectual Disability	14. Haemophilia
15. Mental Illness	16. Sickle Cell disease
17. Autism spectrum disorder	18. Multiple Disabilities including deaf/ blindness
19. Cerebral Palsy	20. Acid Attack victim
21. Parkinson’s disease

Down syndrome is a genetic disorder that is characterized   by intellectual disability

WHAT ARE THE EXPENSES COVERED UNDER THIS POLCY?

(a)	Room Rent, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home up to maximum of 1% of the Sum Insured per day
(b)	Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses maximum upto 2% of the Sum Insured per day.
(c)	Surgeon, Anaesthetist , Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating Medical Practitioner/ surgeon or to the hospital
(d)	Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities and such similar other Expenses

Other expenses

1. Expenses incurred on treatment of cataract subject to the sub limits.
   1. Dental treatment necessitated due to disease or injury (for inpatient care only).
   1. Plastic surgery necessitated due to disease or injury.
   1. All day care treatments.
   1.     AYUSH is covered only 50% of Sum Insured.

WHAT ARE THE SPECIAL CONDITIONS APPLICABLE FOR PERSONS WITH DISABILITY?

The Company will indemnify reasonable and customary charges for medical expenses incurred towards Inpatient Hospitalisation arising due to the pre-existing disability covered, or condition as listed under The Rights of Persons With Disabilities Act, 2016 subject to the terms and limits mentioned below.

• Any treatment for the pre-existing disability covered, will have a waiting period of 24 months from the first policy inception date.
  • Any reconstructive / Cosmetic / prosthesis / external or internal device implanted/ used at home for the purpose of treatment of existing disability or used for activities of daily living are/is excluded from the policy.

   No claim will be payable under this Policy for the following:

• PRE-EXISTING DISEASES (Code- Excl01)
  • Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 24 months for pre-existing disability /48 months for all

pre-existing condition other than HIV/AIDS and Disability ( as mentioned in the policy schedule of continuous coverage after the date of inception of the first policy with the insurer.

IS THERE ANY CO-PAYMENT UNDER THE POLICY?
Yes, there is a mandatory co-payment of 20% under the policy. However, on payment of additional premium of 30%, co-payment shall be waived.         

 CAN I GET TREATED ANYWHERE?
The Policy covers treatments rendered only in India.

WHAT SUM INSURED SHOULD I CHOOSE?
You are free to choose any Sum Insured of Rs. 4 Lakhs and 5 Lakhs.

WHAT ARE PREMIUM AFFECTING PARAMETERS?
The premium payable is determined on the respective Age of the member for the respective Sum Insured and the Category of Disability or Illness.

Category of Disability or Illness is defined as below:

Category 1	Category 2	Category 3
Blindness	Low vision	Muscular Dystrophy
Leprosy Cured persons	Specific Learning Disabilities	Chronic Neurological conditions
Hearing Impairment (deaf and hard of hearing)	Intellectual Disability	Multiple Sclerosis
Speech and Language disability	Haemophilia	Locomotor Disability
Dwarfism	Autism spectrum disorder	Thalassemia
	Acid Attack victim	Mental Illness
	Parkinson’s disease	Sickle Cell disease
		Multiple     Disabilities     including deaf/ blindness
		Cerebral Palsy
		HIV/AIDS

Optional Cover for Waiver of Co-Pay of 20%: Copayment of 20% shall be waived on payment of Addition Premium of 30%

GST applicable is 18%

Premium for Atmanirbhar Health Policy, New India Assurance Co Ltd.
(Excluding GST)
Category	Sum Insured	0 to 17 years	18 to 35 years	36 to 45 years	46 to 50 years	51 to 55 years	56 to 60 years	61 to 65 years	66 years & above
Category I	4 Lakhs	6,710	7,975	8,785	11,665	14,290	21,755	30,760	39,160
	5 Lakhs	7,895	9,380	10,335	13,725	16,810	25,595	36,190	46,070
Category II	4 Lakhs	13,725	16,305	17,970	21,695	26,570	40,450	57,200	72,815
	5 Lakhs	16,150	19,180	21,140	25,520	31,260	47,590	67,295	85,665
Category III	4 Lakhs	24,400	28,985	31,945	38,565	47,235	71,910	95,300	1,10,260
	5 Lakhs	28,705	34,100	37,580	45,365	55,565	84,600	1,12,115	1,29,715

Documents required for Logging the policy

1. In case the insured is less than 18 years old a proposer is required ( either parent)
   1. Proposer name, phone No and mail ID
   1. Proposer Aadhar card ( both sides)
   1. Insured Name, aadhar card (both sides) and photograph.
   1. Dissability certificate/

For more details contact 
Renji Nair  +91 80500 33112

Click here to download Atmanirbhar Proposal Form