<h1>IRDAI Mandates Coverage for Mentally Challenged Individuals in Medical Policies; NIRAMAYA Scheme Offers Rs. 1 Lakh Coverage.</h1> The Insurance Regulatory and Development Authority of India (IRDAI) allows mentally challenged individuals to be covered under medical insurance policies offered by Public Sector General Insurance Companies (PSGICs). These policies cover mental illness for children if insured with parents and are available under Employer-Employee Group Health Insurance. Life insurance for handicapped and mentally challenged individuals is based on underwriting policies. The Government of India offers the NIRAMAYA scheme, providing medical coverage up to Rs. 1 lakh, and the Aam Admi Bima Yojana for life/accident insurance to poor individuals, including those with disabilities. IRDAI mandates insurers to cover lives from the social sector, including persons with disabilities.