3 min read
Fate played a cruel joke when my close friend met with an accident and lost both his hands. Though his disability was a challenge for him initially, he was mentally strong. He learned to live with his disability without complaining. In fact, he even became an example to other disabled individuals who looked up to him for motivation. That was why it came as a surprise to me when he lamented about his condition one evening over coffee. He was worried about getting a health insurance plan with his condition. Was he right?
Life throws us many challenges and having a disability is one such challenge. But does having a disability means you cannot buy a health insurance policy?
It does not. No health insurance policy in the market excludes coverage for the disabled. My friend didn’t know about it. Do you?
While it is true that there is no separate health insurance plan for the disabled, it is also true that disabilities are not excluded from coverage. You can buy a health insurance plan even if you are disabled. However, there are some pointers which you should remember if you are seeking health insurance for the disabled. Here are such pointers:
Wise men rightfully say that disability is a state of mind. Physical or medical disability can be tackled if you are motivated enough. Disability does not put a stop to your life and insurers recognize this fact. As such, insurers allow health insurance plans for the disabled. So, if you are a disabled or know someone who is, don’t worry. You can find a health insurance plan just like my friend did. All you need to do is ensure that you disclose everything right at the word go and then let the insurer decide. If they accept the risk and underwrite the policy accordingly, there is no way of any claim concerns at a later stage.
Choose wisely!
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