Niramaya Health Insurance Scheme For PwDs: Know Benefits, Eligibility & Other Details

Niramaya Health Insurance Scheme For PwDs: Know Benefits, Eligibility & Other Details

Niramaya Health Insurance Scheme: In a significant stride towards inclusive healthcare, the Niramaya Health Insurance Scheme stands as a beacon of support for Persons with Disabilities (PwDs) in India. Administered by the National Trust, a statutory body under the Ministry of Social Justice and Empowerment, this scheme aims to ensure that individuals facing diverse challenges can access affordable and comprehensive health coverage.

Objective of the Niramaya Scheme:

The core objective of the Niramaya Health Insurance Scheme is to extend affordable health insurance to PwDs falling under the ambit of the National Trust Act, 1999. This initiative provides a health insurance cover of up to Rs. 1 lakh per annum on a basis. Noteworthy features of the scheme include:

• Affordability and Simplicity:

• Pay a fixed premium irrespective of age.

• Equal Coverage for All:

• Uniform healthcare support, regardless of the nature of disability.

• Financial Assistance:

• Reimbursement-based insurance cover.

• Wide Range of Services:

• Comprehensive coverage spanning checkups, hospitalizations, therapies, surgeries, and transportation.

• No Medical Tests Required:

• Immediate coverage initiation without pre-insurance medical tests.

• Flexibility in Hospitals:

• Freedom to choose any hospital for treatment with no restrictions.

Niramaya Health Insurance Scheme Benefits:

The Niramaya scheme extends a spectrum of benefits:

• Health Insurance Coverage:

• Up to Rs. 1,00,000 for various expenses.

• Outpatient Department (OPD) Treatment:

• Encompasses medicines, pathology, diagnostic tests, etc.

• Regular Medical Checkups:

• Tailored for non-ailing individuals with disabilities.

• Dental Care:

• Inclusive of preventive dentistry services.

• Surgery:

• Covering preventive and existing disabilities, including congenital conditions.

• Non-surgical/Hospitalization:

• Coverage for related stays and non-surgical treatments.

• Ongoing Therapies:

• Facilitating the management of disability and related complications.

• Alternative Medicine:

• Coverage for alternative treatment options.

• Transportation Costs:

• Reimbursement for medical care-related transportation.

Eligibility For Niramaya Health Insurance:

All PwDs with disabilities specified under the National Trust Act, 1999, possessing valid disability certificates, are eligible. The covered disabilities include Autism, Cerebral Palsy, Mental Retardation, and Multiple Disabilities.

Niramaya Health Insurance Application Process:

To apply, parents/guardians visit the nearest Registered Organization for Niramaya enrollment. The process involves submitting necessary documents, and upon successful verification, a Health ID No./card is issued to beneficiaries.

Documents Required For Niramaya Health Insurance Scheme

Niramaya Scheme Enrollment Process:

• Disability certificate (self-attested).

• BPL card (if applicable).

• Address proof.

• Proof of payment.

• Income certificate (self-attested) for APL category.

Niramaya Health Insurance Claim Process:

• Copy of Niramaya card or Health ID Card number.

• Self-attested copy of Disability Certificate.

• Original prescription papers.

• Original bills (Hospital/Medicine/Doctor/Therapy/Conveyance, etc.).

• All reports in original.

• Complete bank details of the beneficiary.

In conclusion, the Niramaya Health Insurance Scheme stands as a testament to the commitment of fostering inclusive healthcare for PwDs, ensuring not only financial support but also ease of access to a wide range of medical services.