Niramaya - Health insurance scheme

( on reimbursement basis )
overall limit of the coverage for a person is : Rs. 1,00,000/-

Objectives of Niramaya

  • To provide affordable Health Insurance to persons with Autism, Cerebral Palsy, Mental Retardation & Multiple Disabilities.
  • To encourage health services seeking behavior among persons with disability.
  • To improve the general health condition & quality of life of persons with disability.
  • The entire scheme will be implemented through an Insurance company & monitored by the National Trust.

Documents required for enrollment

  • Photo
  • Disability certificate / IQ certificate
  • Residential proof
  • Adhar card
  • Bank book
  • Rs.250/- if family monthly income is upto Rs.15000/- pm.
  • (ii) Rs.500/- if family monthly income is above Rs.15000/- pm.
  • (iii) Renewal is free only for BPL category( Income certificate )

Scheme and coverage

  • Have a single premium across age band.
  • Provide same coverage irrespective of the type of disability covered under NT
  • Insurance cover up to Rs. 1,00,000/-
  • All persons with developmental disabilities covered under National Trust Act, will be eligible and those enrolling with National Trust would be included and there will be no ‘selection’.
  • The scheme will be available in the entire country except in J & K

The scheme further envisages that there shall be

  • No exclusion of Pre-existing condition
  • Same cover as that for other persons
  • Services ranging from regular Medical Check-up to Hospitalization, Therapy to Corrective Surgery, Transportation.
  • Conditions requiring repetitive medical intervention as an in-patient.
  • Pre & Post hospitalization expenses, subject to limits.
  • No pre-insurance medical tests.

Reimbursement of claims in case of OPD services from any Qualified Medical Practitioner and for IPD treatment can be taken from a Hospital anywhere in the country