evidence: Niramaya, a health insurance scheme introduced by National Trust for persons with autism, cerebral palsy, multiple disabilities and other diseases/disorders, covers overall medical expenses up to Rs 1 lakh within separate sub-limits and reimburses Rs 10,000 for therapies. But, parents ask, "Is that enough?" [...] In 2016, Star Health and Allied Insurance launched a group insurance policy for children with ASD, becoming the only product in the private sector that caters to children with autism. It has so far covered over 200 children from the Chennai-based NGO Sankalp, providing an individual sum assured of Rs 1 lakh to each child. "The policy is on a group basis and covers regular in-patient hospitalisation and certain requirements specific to the problems of the target segment such as administration of special injections like botox are covered," explains an employee, Star Health Insurance. The policy also acts as a routine mediclaim policy and covers medical and surgical therapies which require hospitalisation. "I don’t blame the companies… it’s a lifelong condition and therapies are needed for many years. But how do countries like USA do it? They pay a heavy premium and based on the child's requirements, it gets covered under insurance for certain number of hours of therapies. Also, every school offers therapy as part of the school programme that is free of cost," shares Geetha, a parent.