Disability Insurance in India: Income Protection During Illness or Injury

Disability Insurance Infographic Overview


The infographic shows disability insurance types (Short-Term and Long-Term), coverage percentages (50-75% of salary), and income replacement. Key benefits include immediate income loss coverage, extended income replacement until age 60/65, and specific occupationbased coverage. Disability insurance provides financial security when unable to work due to illness or injury.



 Disability insurance provides crucial income protection when illness or injury prevents you from working. For Indian professionals and businesses, disability insurance ensures financial stability during periods of inability to earn income.


Why Disability Insurance is Critical


Illness or disability can occur unexpectedly, impacting your ability to earn. Disability insurance replaces lost income, typically covering 50-75% of your monthly salary, ensuring your family's continued financial security.


Types of Disability Insurance


1. Short-Term Disability (30 days - 6 months): Covers immediate income loss

2. Long-Term Disability (until age 60/65): Provides extended income replacement

3. Own-Occupation Coverage: Pays if unable to perform your specific job

4. Any-Occupation Coverage: Pays only if unable to perform any job


Coverage in India


Individual disability policies typically cover:

Replacement income (₹50,000-300,000 monthly depending on premium)

Waiting periods (typically 30-90 days)

Benefit periods (until age 60-65)


Costs and Premiums


Disability insurance premiums in India range from ₹500-3,000 monthly based on:

Occupation and industry

Age and health status

Income level

Coverage period and waiting period


Claim Process


1. Report disability to insurer within specified time frame

2. Submit medical documentation proving disability

3. Underwriting review (15-30 days)

4. Benefit approval and payment commencement

5. Regular medical recertification as required


Top Disability Insurance Providers


ICICI Prudential, HDFC Life, SBI Life, Max Life, Bajaj Life offer comprehensive disability coverage with competitive premiums and quick claim settlement.


Benefit of Disability Insurance


Replaces lost income without depleting savings

Protects family financial security

Allows recovery focus without income stress

Covers partial or complete disability

Offers rehabilitation support


Concerned aboutyour income protection if injury or illness strikes? Disability insurance ensures your family's financial security. Visit Insurance-support.vercel.app to compare disability insurance plans from leading Indian providers and find coverage matching your income protection needs.


Protect your income with comprehensive disability insurance today.

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