Niramaya Health Insurance Scheme 2024: The Niramaya Health Insurance Scheme facilitates access to health insurance for individuals with disabilities, encompassing conditions such as autism, cerebral palsy, mental retardation, and multiple disabilities. Administered by The National Trust for Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation, and Multiple Disabilities under the Ministry of Social Justice and Empowerment’s Department of Empowerment of Persons with Disabilities, this initiative provides a health insurance program tailored to the unique needs of this demographic. Eligible individuals can apply for a Niramaya Health Card, entitling them to coverage of up to Rs. 1 lakh. For more information on the Niramaya Health Insurance Scheme, refer to the article below.
Niramaya Health Insurance Scheme Details
| Name of Yojna | Niramaya Health Insurance Scheme 2024 |
| Launched by | Government of India |
| Objective | To furnish coverage for health insurance |
| Benificiry | Individuals with valid disability certificates |
| Official website | https://thenationaltrust.gov.in/auth/guidelines4.php |
Niramaya Health Insurance Scheme 2024
The Niramaya Health Insurance Scheme provides affordable health insurance for individuals with disabilities (PwDs) in India. This initiative is administered by the National Trust, a statutory organization operating under the Ministry of Social Justice and Empowerment.
Objectives Niramaya Health Insurance Scheme
The objective of the Niramaya program is to provide individuals with disabilities (PwDs) covered under the National Trust Act of 1999 with affordable access to health insurance. This initiative offers reimbursement-based health insurance with an annual limit of up to Rs. 1 lakh.
Benefits of Niramaya Health Insurance Scheme
The Niramaya Health Insurance Scheme offers a comprehensive array of advantages, ensuring extensive coverage for various expenses, amounting to ₹1,00,000. Encompassing dental care, the scheme includes preventive dentistry services. Outpatient department (OPD) treatments, comprising medications, pathology, and diagnostic testing, are covered. Continuous therapy is provided to manage disability and associated issues effectively.
For individuals with disabilities who are not acutely ill, frequent medical examinations are available. The scheme encompasses surgeries addressing pre-existing problems, including congenital ones, or preventing the exacerbation of new disabilities. Hospitalization and non-surgical treatments are covered, encompassing both hospital stays and non-surgical interventions.
The scheme also extends coverage to alternative medicine treatment alternatives. Additionally, transportation expenses incurred for accessing medical care are reimbursed. This comprehensive health insurance scheme aims to provide financial support and accessibility to diverse healthcare services while prioritizing the well-being of individuals.
Features of Niramaya Health Insurance Scheme
This plan offers health insurance coverage up to Rs. 1 lakh, exclusively for reimbursement. Individuals from any part of India can enroll in this program. The health plan encompasses a range of services, ensuring comparable coverage under the National Trust Act, irrespective of the type of disability.
Key features of this health plan include outpatient care, regular medical check-ups for non-ailing disabled individuals, preventive dental care, non-surgical hospital stays, surgeries aimed at preventing the worsening of disabilities, treatment for congenital disabilities, ongoing therapies, alternative medicine, and more. Additionally, the plan covers transportation expenses.
Notably, beneficiaries are not required to undergo pre-insurance medical examinations to avail of the program benefits. The scheme offers comprehensive coverage with a single premium applicable to all age groups. Eligibility for benefits is extended to Persons with Disabilities (PwDs) holding a valid disability certificate issued under the National Trust Act.
Eligibility Criteria Niramaya Health Insurance Scheme
The program welcomes individuals with valid disability certificates, encompassing those who qualify for at least one of the disabilities outlined in the National Trust Act of 1999. All persons with disabilities (PwDs) meeting the specified criteria are eligible to apply.
Documents Required Niramaya Health Insurance Scheme
To facilitate the claim process, kindly provide either a copy of the Niramaya card or specify the Health ID Card number. Include a self-attested copy of the Disability Certificate. Ensure the submission of all original prescription papers issued by the treating physician, as well as the original bills for hospitalization, medication, doctor fees, therapy fees, conveyance, etc. Submit all relevant reports in their original form. Additionally, furnish complete bank details of the beneficiary, including the account holder’s name, account number, bank name, branch, city, state, and the IFSC code.
For the enrollment process, please present proof of payment. If the beneficiary falls under the Below Poverty Level (BPL) category, provide the BPL card. Submit a valid address proof and a self-attested Disability Certificate obtained from the District Hospital or the appropriate Government authority. If the beneficiary belongs to the Above Poverty Level (APL) category, include a self-attested income certificate from the parent or guardian, issued by the competent state authority.
Application Process of Niramaya Health Insurance Scheme
Enrollment Process:
Parents or guardians of Persons with Disabilities (PwD) should visit the nearest Registered Organization (RO) to initiate the enrollment process for their child in Niramaya. Once the original documents are validated, the RO will proceed to fill out the Niramaya application online and submit the required scanned documents. Upon successful enrollment and approval, each beneficiary will be issued a Health ID number or card. Alternatively, they can opt to download it online or through the RO.
How to Apply Online for a Health Card in Niramaya
To obtain a Niramaya Health Card, follow these steps for online enrollment:
Visit the official website nationaltrust.gov.in.
Navigate to the “Scheme” section and choose Niramaya by clicking on the left-hand side to access detailed information about the scheme.
Select the “Download” option.
Review the contents of the Niramaya Health Insurance plan, which includes the Raksha TPA Pvt Ltd. Centre List, Enrollment Form, Renewal Application Form, and Claim Form.
Click on “Download Enrollment Form.”
Download the enrollment form and gather all necessary information required for filling out the form.
Complete the form.
Submit the filled-out form to the nearest RO (Rehabilitation Officer). The RO will handle the online Niramaya application process, including uploading scanned documents after verifying the originals. Upon completion, the RO will process the application fees and submit the fully filled form on the National Trust portal.
Niramaya Health Insurance Scheme Login Process
To initiate the employee login process, kindly follow the steps outlined below:
- Navigate to the official National Trust website.
- Locate and select the “Login” option from the menu bar.
- Enter the required information:a. Login ID b. Password c. Captcha code
- After inputting the necessary details, click on the “Login” option to proceed.
Niramaya Health Insurance Scheme Registration Process
To begin the registration process, please navigate to the official website of the National Trust.
- Locate and select the “Registration” option from the menu bar.
- Provide the necessary details, including:
- Login ID
- Password
- Captcha code
- Once the information is entered, proceed by clicking on the “Registration” option.
Follow these steps to complete your registration on the National Trust’s official website.
How to Edit Registration form Niramaya Health Insurance Scheme
Begin by visiting the official National Trust website. Navigate to the registration option located in the menu bar. Choose the “edit registration form” option from the dropdown menu. Thoroughly review all the provided guidelines. Proceed by selecting the submit option.
How to view application status
To check the status of your application, follow these steps:
- Navigate to the official website of the National Trust.
- Select the “Registration” option from the menu bar.
- Choose the “Application Status” from the dropdown menu.
- Enter the required details, including:
- Application Type
- Application ID
- Captcha Code
- Click on the “Submit” option.
This process allows you to conveniently view the current status of your application through the National Trust’s official website.
NGO Renewal Process
To check the status of your application, please follow these steps:
- Visit the official website of the National Trust.
- Select the “Registration” option from the menu bar.
- Choose the “NGO Renewal” option from the dropdown menu.
- Thoroughly review all the provided guidelines.
- Click on the “Submit” option to proceed with your application.
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