Clarify cause and current care
Congenital and acquired conditions can raise different policy questions. Share relevant context only when requested through a secure assessment. Do not assume that a mobility aid describes your health, ability to work or support needs.
Devices and rehabilitation
Ask separately about wheelchairs, prostheses, orthoses, physiotherapy and occupational therapy. A policy might cover a device only after a specified covered event, with a sub-limit. Routine repair and replacement may have no listed benefit.
Hospital and home access
Confirm whether the hospital can meet your access requirements. Insurance network membership does not guarantee accessible premises or suitable rehabilitation services. Home healthcare may require medical prescription and specific qualifying conditions.
Accident benefit definitions
A personal accident policy usually concerns specified accidental events. Ask how a new event affecting an existing impairment would be considered. Do not equate accident disability benefits with coverage for all existing disability-related expenses.
Questions to take with you
- What triggers the rehabilitation benefit?
- Are device replacements included?
- How is a new accident-related loss defined?
Official reading & sources
Reviewed 11 October 2026. Check current official information before relying on legal provisions, scheme benefits or a real product. No fictional plan feature on SereneLife is evidence of actual coverage.
Sections 3, 26 and 40–46 address equality, insurance schemes and accessibility. They do not promise acceptance of every private policy.
Includes the 2023 disability-focused product circular, its 2024 modification, and the 2024 health insurance master circular. Product availability is distinct from individual underwriting.