evidence: Nirmaya is a health insurance scheme provided by the National Trust in collaboration with ICICI Lombard General Insurance. In this insurance scheme, parents can get Rs 1 lakh coverage for their special needs child with Autism, Cerebral Palsy, Mental Retardation, and Multiple Disabilities. The benefit of this plan is that there is no premium difference as per age. The policy covers regular medical check-up, hospitalization, therapy, corrective surgery, transportation, repetitive medical intervention as an in-patient, pre, and post hospitalization expenses. [...] Star health a few years back rolled a specific policy for Autism. The policy is named as Star Health Special Care and covers for a standard policy amount of Rs 3 lakh. There is no medical test but copies of medical records have to be submitted. The policy covers the hospitalization expenses much like any other basic health plan. The premium will vary as per age of the disabled covered in the policy. [...] There is no medical checkup required but all preexisting illness are covered only after 2 years of the waiting period. The policy provides coverage in 3 variants Rs 3 lakh-Rs 7 lakh and Rs 10 lakh with a restore benefit. There is no maximum age and so policy covers people well above 25 years of age. Unfortunately, the company is treating Autism as a preexisting illness and so one will have to wait for 2 years to receive any claim from the policy. The policy covers only hospitalization expenses and not regular expenses.