Niramaya Health Insurance Yojana 2024 : Online Apply Documents Eligibility Benifits And Last Date

Niramaya Health Insurance Scheme 2024

Niramaya Health Insurance Yojana 2024: Individuals with various impairments, such as autism, cerebral palsy, mental retardation, and multiple disabilities, now have access to health insurance through the Niramaya Health Insurance Plan. 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 program offers a Niramaya Health Card to eligible applicants, providing coverage of up to Rs. 1 lakh. To find out more about the Niramaya Health Insurance Scheme, please refer to the article below.

Niramaya Health Insurance Yojana 2024

The Niramaya Health Insurance Scheme provides affordable health insurance for individuals with disabilities in India. Administered by the National Trust, a statutory organization under the Ministry of Social Justice and Empowerment, the scheme aims to cater to the healthcare needs of people with disabilities.

Niramaya Health Insurance Yojana Objective 

The aim of the Niramaya program is to provide Persons with Disabilities (PwDs) covered by the National Trust Act of 1999 with affordable access to health insurance. This initiative offers reimbursement-based health insurance coverage of up to Rs. 1 lakh per year.

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Niramaya Health Insurance Yojana Features 

The Niramaya Health Insurance Scheme offers the following features:

– Coverage of up to Rs. 1 lakh for health expenses, exclusively for reimbursement.

– Open enrollment from anywhere in India.

– Comprehensive health plan with various benefits.

– Comparable coverage for individuals under the National Trust Act, regardless of their impairment.

– Coverage includes OPD care, routine check-ups for non-ill disabled individuals, preventive dentistry, non-surgical hospitalization, disability prevention surgeries, congenital disability treatment, ongoing therapies, alternative medicine, and more.

– Transportation expenses are also covered.

– No pre-insurance medical exams required for beneficiaries.

– All-inclusive coverage with a single premium for all age groups.

– Available benefits for Persons with Disabilities (PwDs) holding a valid disability certificate issued under the National Trust Act.

Niramaya Health Insurance Yojana Benifits 

Here are the benefits of the Niramaya Health Insurance Scheme:

1. Health insurance coverage up to ₹1,00,000 for various expenses.

2. Dental care services, including preventive dentistry.

3. Outpatient department (OPD) treatments, such as medications, pathology, and diagnostic testing.

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4. Continuous therapy to manage disabilities and related issues.

5. Regular medical check-ups for disabled individuals who are not currently ill.

6. Surgical interventions for pre-existing conditions, including congenital disabilities, and to prevent worsening of new disabilities.

7. Coverage for hospitalization and non-surgical treatments.

8. Inclusion of alternative medicine treatments.

9. Reimbursement of transportation expenses incurred for medical care.

Niramaya Health Insurance Yojana Documents

Provide a duplicate of the Niramaya card or specify the Health ID Card number. Include a self-attested copy of the Disability Certificate. Submit all original prescription documents from the doctor. Include original invoices for Hospital, Medicine, Doctor’s fee, Therapy fee, Conveyance, etc. Submit all reports in their original form. Provide complete bank details of the beneficiary: Name of Account Holder, Account No., Bank Name, Branch (City & State), and Bank account IFSC Code. Attach proof of payment. If applicable, include the Below Poverty Level (BPL) card. Submit proof of address. Ensure the Disability certificate is issued from the District Hospital or appropriate Government authority and is self-attested. Also, provide a self-attested income certificate of the parent/guardian issued by the State authority if the beneficiary belongs to the Above Poverty Line (APL) category.

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Niramaya Health Insurance Yojana Eligibility 

Applications for the program are available to individuals with valid disability certificates, known as Persons with Disabilities (PwDs), who fulfill the eligibility criteria for at least one of the disabilities outlined in the National Trust Act of 1999.

How To Apply Niramaya Health Insurance Yojana

To obtain a Niramaya Health Card, you need to complete an online application process. Here are the steps to enroll for a Niramaya e-card:

1. Visit the official website

2. Navigate to the “Scheme” section and select Niramaya.

3. Review the information about the scheme.

4. Click on the “Download” option.

5. Choose the “Download Enrollment Form” option.

6. Fill out the Enrollment Form with the required information.

7. Submit the completed form to the nearest RO (Rehabilitation Officer).

8. The RO will handle the online Niramaya application process, upload scanned documents after verification, pay the application fees, and submit the completed form on the National Trust portal.

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