What you get
- Health insurance coverage: Up to ₹1,00,000/- for various expenses.1. Outpatient department (OPD) treatment: Covers medicines, pathology, diagnostic tests, etc.1. Regular medical checkups: For non-ailing individuals with disabilities.1. Dental care: Preventive dentistry services.1. Surgery: To prevent further disability worsening or for existing disabilities (including congenital).1. Non-surgical/hospitalization: Coverage for non-surgical treatments and related stays.1. Ongoing therapies: For managing disability and related complications.1. Alternative medicine: Coverage for alternative treatment options. | Health insurance coverage: Up to ₹1,00,000/- bifurcation for various expenses. | - Section I: Hospitalization : The overall limit for hospitalization expenses is ₹55,000/-. This includes: | - Corrective Surgeries for existing Disability including congenital disability (Under SECI(A)a maximum capping of ₹15,000/- For other than the corrective surgeries for Existing Disabilities, which is include in the overall limit of ₹40,000/- of Sec I(A)) | - Non-surgical or hospitalization costs are covered up to ₹15,000/-. | - Section II: Outpatient Department (OPD) : The overall OPD treatment limit is ₹19,000/-, broken down as: | - OPD treatment, including medicines, pathology, diagnostic tests, etc., is covered up to ₹15,000/-. | - Dental preventive dentistry is covered up to ₹4,000/-. | - Section III: Ongoing Therapies | - A total of ₹20,000/- is allocated for ongoing therapies aimed at reducing the impact of disability. | - Section IV: Alternative Medicine (AYUSH) | - Treatment under AYUSH systems of medicine is reimbursable up to ₹4,000/-. | - Section V: Transportation | - Transportation costs related to medical treatment are covered up to ₹2,000/-.
Who can apply
Required Paperwork
- Aadhaar Card
- PAN Card
- Income Certificate
- Residence Proof (Domicile)
Common Questions
Is there any limitation of hospitals to avail this scheme benfits?
No, treatment can be taken from any hospital.
Is this is a health insurence scheme?
Yes
What is Niramaya scheme?
Niramaya Health Insurance Scheme ,launched by the Department of Empowerment of Persons with Disabilities, aims to provide affordable health insurance to the Persons with Disabilities (PwDs).
What are the benefits under the scheme?
- Health insurance coverage. | - Outpatient department (OPD) treatment. | - Regular medical checkups. | - Dental care. | - Surgery. | - Non-surgical/hospitalization. | - Ongoing therapies. | - Alternative medicine. | - Transportation costs
What is the health insurance maximum coverage amount?
This scheme provides affordable health insurance cover of up to [?]1,00,000/-.
Who will be covered under this scheme?
All PwDs who have at least one of the disabilities under the National Trust Act, 1999 with valid disability certificate are eligible to apply for the scheme.
What is the enrolment process?
Parents/guardian of the PwD will visit the nearest RO for Niramaya enrolment with required documents.
How to find the nearest for Niramaya enrolment ?
Follow the below link | URL : https://thenationaltrust.gov.in/content/registered_organization.php
What is the renewal process?
To renewal the scheme benefits, follow the below url and provide the required details | URL : https://thenationaltrust.gov.in/auth/renew_gen.php and
How the reimbursement can be avail under this scheme?
All claims for settlement under Niramaya have to be submitted to the centres of the insurance provider | in the prescribed Claim Form along with relevant vouchers / bills, etc. (preferably within 30 days of treatment) or discharge from hospital.