Niramaya Health Insurance Scheme:- People with impairments, including those with autism, cerebral palsy, mental retardation, and multiple disabilities, can now obtain health insurance thanks to the Niramaya Health Insurance Plan. Under the Ministry of Social Justice and Empowerment’s Department of Empowerment of Persons with Disabilities, The National Trust for Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation, and Multiple Disabilities is the organization that runs this health insurance program. Individuals who meet the eligibility requirements can apply for a Niramaya Health Card, which offers up to Rs. 1 lakh in coverage. Read the article below to learn more about the Niramaya Health Insurance Scheme.
Niramaya Health Insurance Scheme 2024
For Indian people with disabilities (PwDs), the Niramaya Health Insurance Scheme offers reasonably priced health insurance. The National Trust, a statutory organization under the Ministry of Social Justice and Empowerment, is in charge of carrying it out.
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Objectives of Niramaya Health Insurance Scheme 2024
The goal of the Niramaya program is to give PwDs insured by the National Trust Act of 1999 access to reasonably priced health insurance. The program offers reimbursement-based health insurance up to Rs. 1 lakh annually.
Features of Niramaya Health Insurance Scheme 2024
Following are the features of the Niramaya Health Insurance Scheme.
- Up to Rs. 1 lakh in health insurance coverage is provided under this plan. Keep in mind that this is only available for reimbursement.
- Anyone can sign up for this program from anywhere in India.
- This health plan includes several facilities.
- Under the National Trust Act, individuals can receive comparable coverage regardless of the type of impairment.
- OPD care, routine medical check-ups for disabled people who are not sick, preventative dentistry, non-surgical hospital stays, surgeries to prevent disability exacerbation, congenital disability treatment, continuing therapies, alternative medicine, and more are a few of them.
- The expense of transportation is also covered by this plan.
- Pre-insurance medical exams are not necessary for beneficiaries to get benefits under this program.
- It provides all-inclusive coverage with a single premium for all age groups.
- Benefits under this scheme are available to Persons with Disabilities (PwDs) who possess a valid disability certificate issued under the National Trust Act.
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Benefits of Niramaya Health Insurance Scheme 2024
Following are the benefits of the Niramaya Health Insurance Scheme.
- Coverage under health insurance: ₹1,00,000 for a range of expenses.
- Dental care: Services for preventive dentistry.
- Treatment provided by the outpatient department (OPD) includes medications, pathology, diagnostic testing, etc.
- Continuous therapy: To control disability and associated issues.
- Frequent medical examinations: For disabled people who are not ill.
- Surgery: To treat pre-existing problems (including congenital ones) or to stop new disabilities from getting worse.
- Hospitalization and non-surgical treatments: Hospital stays and non-surgical treatment coverage.
- Coverage of alternative treatment alternatives is known as alternative medicine.
- Transportation expenses: Payment for travel expenses associated with receiving medical care.
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or Claim Process:
- Copy of Niramaya card or mention Health ID Card number.
- Self-attested copy of Disability Certificate.
- All original prescription papers were 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: Name of Account Holder.Account No. / Bank Name / Branch / (City & State).Bank account IFSC Code.
For Enrollment Process:
- Proof of payment.
- Below Poverty Level or BPL card (in case the beneficiary belongs to the BPL category).
- Address Proof.
- Disability certificate issued from the District Hospital or appropriate Government authority (Self-attested).
- Income certificate (Self-attested) of the parent/ guardian competent authority as issued by the State (in case the beneficiary belongs to the APL category).
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How to Apply Online for a Health Card in Niramaya
To obtain a Niramaya Health Card, an online application is required. The steps to enroll for a Niramaya e-card are as follows:
- Go to the nationaltrust.gov.in official website.
- Once there, select Niramaya from the “Scheme” section by clicking on the left-hand side. There, you will find all the facts about the scheme.
- Select “Download.
- Click the “Download” option after reviewing the contents of the Niramaya Health Insurance plan. The Raksha TPA Pvt Ltd. Centre List, the Enrollment Form, the Renewal Application Form, and the Claim Form are your four possibilities.
- Click “Download Enrollment Form”.
- Select the “Download Enrollment Form” option from the list of four. Have all the necessary information listed on the form close at hand.
- Submit the form
- Send the completed form to the closest RO. The rest will be handled by the RO, who will also complete the online Niramaya application form and upload the necessary scanned documents after the originals have been verified. After finishing, the RO will pay the application fees and submit the properly completed form on the National Trust portal.