evidence: 'Niramaya' is a health insurance scheme introduced by the Government of India for children with special needs. The plan provides health insurance cover up to Rs 1 lakh to children with developmental disabilities like autism, cerebral palsy, etc. [...] While the Niramaya scheme is affordable, the question arises of whether the cover of Rs 1 lakh is sufficient for a child with developmental disabilities. These disabilities/disorders affect a child's development in his/her speech, non-verbal or gestural interaction, and social interaction with peers. This further affects the child mentally and emotionally, and he/she also needs to undergo therapy. So, the multi-disciplinary treatment that includes regular visits to a paediatrician, psychiatrist, counsellor, special educator, speech therapist, etc., can be quite expensive. Moreover, children with ASD are accident-prone, which can further add to the expenses. This is why the cover of Rs 1 lakh might not prove to be sufficient for the medical treatment of a child with special needs.