India-based Star Health and Allied Insurance has rolled out a new insurance policy for children and young adults aged between 3 and 25 years diagnosed with autism.
Touted to be the country’s first insurance policy for autistic children, the plan offers coverage of up to INR300,000 ($4,716).
Commenting on the launch of the new product, Star Health and Allied Insurance CMD V Jagannathan said: “We began this company over a decade ago with a vision to empower people with the financial assistance that they may require during medical emergencies/ needs.
“Keeping this in mind we have always tried to bring out products that would cater special and specific needs to individuals, who are generally neglected by the health insurance industry.”
The policy covers all in-patient and out-patient treatments including therapies such as behavioural therapy, physiotherapy, occupational therapy and speech therapy.
Additionally, the policy also covers other complications related to autism such as in-patient management of medical and surgical complications including its treatment for seizures, soft tissue and bony injuries, medical and surgical procedures for spasm of muscles and infectious diseases.
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There is no requirement of any pre-medical check-up, the company said.
Star Health and Allied Insurance COO S Prakash said: “Providing need based insurance has been our mantra. We sincerely believe health insurance is not a privilege but a basic need in today’s world. Taking this into consideration, we structure each product in a way so that it reduces the hassle that people may have to undergo while availing the policy or making a claim, and can get the best benefits out of it.”
Earlier in 2016, the health insurer in collaboration with a local NGO in Chennai rolled out a group policy for autistic children for a period of one year.
As per the India’s 2011 census data, approximately 2.2 million children between the age-group of 2-9 years are suffering from autism spectrum disorder.