Niramaya Health Insurance scheme was conceived to provide affordable health insurance to people with disabilities, such as Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities. This health insurance scheme is floated by The National Trust for Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities, which comes under the Department of Empowerment of Persons with Disabilities of the Ministry of Social Justice and Empowerment. People diagnosed with such disabilities can enrol in Niramaya Health Card to get maximum coverage of Rs.1 lakh.
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In order to get Niramaya Health Card, you need to apply online. Follow these steps to enrol for Niramaya e card:
Once you are there, on the left-hand side (under the ‘Scheme’ section), click on Niramaya. You will get all the scheme-related details there.
After checking Niramaya Health Insurance scheme details, click on the “Download” tab. You will have four options to choose from – Download Enrolment Form, Download Renewal Application Form, Download Claim Form, and Raksha TPA Pvt Ltd. Center List.
Out of the four options, click on ‘Download Enrolment Form’. Keep all the required details mentioned in the form handy.
Submit the form to your nearest RO. The RO will take care of the rest, including filling up the Niramaya application form online and uploading the scanned documents as required after verification of originals. Once done, the RO will Submit the duly filled in form on the National Trust portal and pay the application fees.
Once the process is completed, the National Trust reviews the application form and the documents. If there’s any incorrect information that entails re-submission, the RO give 15 days time to re-submit it. Once everything is verified, e-Niramaya Card. The health ID card is uploaded online and can be downloaded with an application ID number.
Here are the documents required for the Niramaya Health Insurance application form:
BPL (Below Poverty Line) | Self-attested Disability certificate BPL card Address Proof |
Non-BPL | Self-attested Income certificate of the parent/guardian competent authority as issued by the State Address proof Self-attested Disability certificate |
PwD with Legal Guardian | Disability certificate(self-attested) issued from the District Hospital or appropriate Government authority Address proof Legal Guardian Certificate issued from the Local Level Committee constituted under section 13 of The National Trust Act, 1999 |
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BPL | Rs.250 |
Non-BPL | Rs.500 |
PWD with Legal Guardian | Free |
Note that under this scheme, you can only opt for reimbursement claims.
However, if you prefer cashless claims on your health insurance plan, you might want to consider the health insurance offered by Navi. Navi’s paperless process allows you to raise claims via your mobile phone without any hassle. Download the Navi app and get comprehensive health coverage benefits up to Rs. 1 Crore.
Step 1: Visit the official website of The National Trust
Step 2: Click on Niramaya under the “Schemes” section
Step 3: Go to “Download” and download the application form
Step 4: Visit your nearest RO and submit the form after paying the necessary fees
Step 5: Once the enrolment procedure is completed, you will be issued the Niramaya Card. You will also be notified that the e-Niramaya card is available for download
Step 6: Visit the Niramaya section on the National Trust website again
Step 7: Click on the Niramaya E-Card of the Beneficiary
Step 8: Provide your application number to download the Niramaya e-card online
You can check Niramaya Health Card status by visiting the official portal of The National Trust. Go to “Niramaya” under the “Schemes” section. Click on Download e-Niramaya of the Beneficiary and provide your application number to check the status of your e-Card.
Section | Sub-Section | Detail | Sub-Limit | Overall Limit of Section |
I | Overall Limit of Hospitalisation | |||
A | Corrective Surgeries for existing Disabilities including congenital disability | Rs.40,000 | Rs.55,000 | |
B | Non-surgical Hospitalisation | Rs.15,000 | ||
ii | Overall Limit for OutPatient Department (OPD) | Rs.19,000 | ||
A | OPD treatment includes regular medical checkups, medicines, pathology, diagnostic tests, etc. | Rs.15,000 | Rs.19,000 | |
B | Dental Preventive Dentistry | Rs. 4,000 | ||
iii | Ongoing Therapies to reduce the impact of disability and disability-related complications | Rs.20,000 | ||
iv | Alternative Medicine | Rs.4,000 | ||
v | Transportation Costs | Rs.5,000 |
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Now that you know everything about the Niramaya insurance enrollment online process and other vital details, you might find it easier to apply for this scheme and obtain benefits. As of July 2021, around 75 applicants had received Niramaya health insurance cards. This figure is estimated to go up in the near future due to this scheme’s comprehensive coverage and affordability.
Ans: This insurance scheme is valid for one financial year, after which it needs renewal. Further, beneficiaries might consider submitting the Niramaya insurance renewal online application before three months of the policy expiry date to continue reaping the benefits of this scheme.
Ans: Along with the duly filled application form, one has to submit the following documents for a successful enrolment:
Income and disability certificate.
a) BPL card.
b) Address proof.
c) Passport-size photograph.
d) Bank receipt of application fees.
e) Details of the bank for claim settlement.
Ans: Furnish the following documents during the Niramaya health insurance claim process:
1. Doctor’s prescription
2. Hospital, medicine, doctor consultation bills and other receipts
3. Original hospital reports.
4. Complete bank details of a beneficiary
5. Self-attested disability certificate
6. Niramaya e- card copy
Ans: If individuals with physical disabilities are facing any issues while availing of the benefits of the Niramaya Health Insurance Scheme, they can feel free to contact the Dakshina Kannada District Legal Services Authority. The DKDLSA will provide support to resolve the issue.
Ans: In the case of the Niramaya health insurance scheme, the selection of insurance companies and the computation of premiums are carried out in a transparent manner. The National Trust pays the premium amount to the insurance company in advance.
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