evidence: There are various government schemes for people with disabilities, but these tend to have limited coverage. Some private insurers also offer health insurance plans, though these are often more expensive. Let us take a look at the insurance benefits available to a person with disabilities: [...] Individuals with accidental disabilities will be covered by most regular health insurance plans, with no extra clauses added. In fact, if they had a Personal Accident Cover before the accident, you will have extra financial security and a fixed benefit in case of some disablement. [...] The Government of India offers two special health insurance schemes for those with disabilities: