About this Divyangjan scheme
Swavlamban Health Insurance Scheme, launched in 2014 by the Department of Empowerment of Persons with Disabilities (DEPwD) under the Ministry of Social Justice & Empowerment, provides comprehensive health insurance up to ₹2 lakh per year (recently enhanced from ₹1 lakh) to persons with disabilities under all 21 categories of the RPwD Act 2016. Unlike Niramaya (which covers only 4 disabilities under National Trust Act), Swavlamban covers ALL 21 disabilities including visual, hearing, locomotor, intellectual, autism, cerebral palsy, mental illness, muscular dystrophy, multiple disabilities, dwarfism, sickle cell, leprosy, and more. Premium: FREE for families with annual income up to ₹3 lakh; ₹500/year for ₹3-6 lakh income; ₹1,000/year for higher incomes. Coverage: hospitalisation, surgeries, OPD, diagnostics, medications, prosthetic devices, rehabilitation — including disability-specific conditions usually excluded by regular insurance. Issued via New India Assurance and 3 other PSU insurers. UDID Card mandatory.
Support at a glance
| Scheme Name | Swavlamban Health Insurance 2026 — ₹2 Lakh Coverage for All Disabled Persons |
| Launched By | Government of India |
| Launch Year | 2014 |
| Benefit | ₹2 lakh/year health cover for all 21 disabilities — FREE for income up to ₹3 lakh |
| Category | Disability (Divyangjan) |
| Last Verified | 5 September 2026 |
| Official Portal | https://swavlambancard.gov.in |
What Divyangjan beneficiaries receive
₹2 lakh/year health cover for all 21 disabilities — FREE for income up to ₹3 lakh
Who is eligible under UDID
- ✓Person with 40%+ benchmark disability under RPwD Act 2016 (any of 21 disabilities)
- ✓Valid UDID Card OR UDID enrolment number with disability certificate
- ✓Indian citizen — Aadhaar mandatory
- ✓Family income up to ₹3 lakh/year: FREE; ₹3-6 lakh: ₹500/year; above ₹6 lakh: ₹1,000/year
- ✓Spouse and dependent children of PwD also covered under same policy
- ✓Renewal annual — must maintain valid UDID during policy period
Papers required (including UDID / disability certificate)
How to enrol
- 1First obtain UDID Card from medical board — apply at swavlambancard.gov.in if not yet held
- 2Identify Swavlamban-empanelled insurance partner — New India Assurance, United India Insurance, National Insurance, Oriental Insurance
- 3Visit insurer branch OR online portal (varies by insurer) → 'Swavlamban Health Insurance Scheme'
- 4Submit application: UDID, Aadhaar of family members, income certificate, address proof, photograph
- 5Determine premium tier: ₹0 (income ≤ ₹3 lakh), ₹500 (₹3-6 lakh), ₹1,000 (above ₹6 lakh) per year
- 6Pay premium online or at branch — receive policy document + health card
- 7Avail cashless treatment at empanelled hospital — show health card + Aadhaar
- 8For reimbursement claims: submit hospital bills, discharge summary, prescription within 30 days
- 9Renew policy each year before expiry to maintain continuous coverage
Official Government Portal
The single official window for this scheme is swavlambancard.gov.in. Filing is free, so steer clear of touts promising guaranteed selection.
🔗Apply on swavlambancard.gov.in