The Niramaya Health Insurance Scheme is an affordable health insurance scheme for persons with disabilities (PwDs) in India. It is implemented by the National Trust, which is a statutory body under the Ministry of Social Justice and Empowerment.
Objective of the scheme
The objective of the Niramaya scheme is to provide affordable health insurance to PwDs covered under the National Trust Act, 1999. The scheme provides a health insurance cover of up to Rs. 1 lakh per annum on a reimbursement basis.
The scheme envisages delivering comprehensive cover;
- Affordable and Simple: Pay just one fixed premium, regardless of age.
- Equal Coverage for All: No matter your disability, you get the same level of healthcare support.
- Financial Assistance: Insurance cover on a reimbursement basis only.
- Wide Range of Services: Enjoy coverage for regular checkups, hospitalisations, therapies, corrective surgeries, and even transportation.
- No Medical Tests Needed: Start your coverage right away, no pre-insurance medical tests are required.
- Flexibility in Hospitals: Choose any hospital for your treatment, with no restrictions.
Benefits
- Health insurance coverage: Up to Rs 1,00,000/- for various expenses.
- Outpatient department (OPD) treatment: Covers medicines, pathology, diagnostic tests, etc.
- Regular medical checkups: For non-ailing individuals with disabilities.
- Dental care: Preventive dentistry services.
- Surgery: To prevent further disability worsening or for existing disabilities (including congenital).
- Non-surgical/hospitalisation: Coverage for non-surgical treatments and related stays.
- Ongoing therapies: For managing disability and related complications.
- Alternative medicine: Coverage for alternative treatment options.
- Transportation costs: Reimbursement for transportation related to medical care.
Eligibility
All PwDs who have at least one of the disabilities under the National Trust Act, 1999 with valid disability certificates are eligible to apply for the scheme.
Disabilities under National Trust Act
The National Trust works for the welfare of persons with any of the following four disabilities;
- Autism
- Cerebral Palsy
- Mental Retardation
- Multiple Disabilities
Application Process
Parents/guardians of the PwD will need to visit the nearest Registered Organisation (RO) for Niramaya enrolment with required documents. RO will fill up the Niramaya application form online and upload the scanned documents as required after verification of the originals. On successful enrolment and approval, Health ID No. /card will be issued to each beneficiary or can be downloaded by the beneficiary online or through RO.
How To Find Nearest RO For Niramaya Enrolment?
Follow the below link URL: https://thenationaltrust.gov.in/content/registered_organization.php
Documents Required
For Enrollment Process:
- Disability certificate issued from the District Hospital or appropriate Government authority(Self-attested).
- Below Poverty Level or BPL card (in case the beneficiary belongs to BPL category).
- Address Proof.
- Proof of payment.
- Income certificate (Self attested)of the parent/ guardian competent authority as issued by the State(in case the beneficiary belongs to APL category).
Documents For Claim Process:
- Copy of Niramaya card or mention Health ID Card number.
- Self-attested copy of Disability Certificate.
- All original prescription papers given by the doctor.
- All original bills of Hospital / Medicine / Doctor fee / Therapy fee / Conveyance etc.
- All reports in original.
- Complete bank details of Beneficiary like name of account holder, account number, bank & branch name with city and IFSC code.
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