The different types of disabilities that are covered under the health insurance plans for differently able people are as follows: Congenital Disability – When an infant is detected with birth defects or congenital anomalies or functional disorders, it is called congenital disability. This also can be detected in late infancy. Accidental Disability – When a person meets with an accident, he can suffer from either total, partial or temporary disabilities. This type of disability is called accidental disability that is covered by many health insurance policies.  Mental Disability – When a human mood, thinking ability, and mental stability are imbalanced or harmed in any way, it is called a mental disability.