All PwDs who’ve at the least one of many disabilities below the National Trust Act, 1999 with legitimate incapacity certificates are eligible to use for the scheme. (Representative picture)
The goal of the Niramaya scheme is to supply reasonably priced medical insurance to PwDs coated below the National Trust Act, 1999.
The Niramaya Health Insurance Scheme is an reasonably priced medical insurance scheme for individuals with disabilities (PwDs) in India. It is applied by the National Trust, which is a statutory physique below the Ministry of Social Justice and Empowerment.
Objective of the scheme
The goal of the Niramaya scheme is to supply reasonably priced medical insurance to PwDs coated below the National Trust Act, 1999. The scheme supplies a medical insurance cowl of as much as Rs. 1 lakh every year on a reimbursement foundation.
The scheme envisages delivering complete cowl;
- Affordable and Simple: Pay only one mounted premium, no matter age.
- Equal Coverage for All: No matter your incapacity, you get the identical degree of healthcare assist.
- Financial Assistance: Insurance cowl on a reimbursement foundation solely.
- Wide Range of Services: Enjoy protection for normal checkups, hospitalisations, therapies, corrective surgical procedures, and even transportation.
- No Medical Tests Needed: Start your protection straight away, no pre-insurance medical checks are required.
- Flexibility in Hospitals: Choose any hospital to your remedy, with no restrictions.
Benefits
- Health insurance coverage protection: Up to Rs 1,00,000/- for varied bills.
- Outpatient division (OPD) remedy: Covers medicines, pathology, diagnostic checks, and many others.
- Regular medical checkups: For non-ailing people with disabilities.
- Dental care: Preventive dentistry providers.
- Surgery: To stop additional incapacity worsening or for current disabilities (together with congenital).
- Non-surgical/hospitalisation: Coverage for non-surgical remedies and associated stays.
- Ongoing therapies: For managing incapacity and associated issues.
- Alternative medication: Coverage for various remedy choices.
- Transportation prices: Reimbursement for transportation associated to medical care.
Eligibility
All PwDs who’ve at the least one of many disabilities below the National Trust Act, 1999 with legitimate incapacity certificates are eligible to use for the scheme.
Disabilities below National Trust Act
The National Trust works for the welfare of individuals with any of the next 4 disabilities;
- Autism
- Cerebral Palsy
- Mental Retardation
- Multiple Disabilities
Application Process
Parents/guardians of the PwD will go to the closest Registered Organisation (RO) for Niramaya enrolment with required paperwork.RO will refill the Niramaya utility kind on-line and add the scanned paperwork as required after verification of the originals. On profitable enrolment and approval, Health ID No. /card will probably be issued to every beneficiary or will be downloaded by the beneficiary on-line or by RO.
How to search out the closest Niramaya enrolment?
Follow the under hyperlink URL: https://thenationaltrust.gov.in/content/registered_organization.php
Documents Required
For Enrollment Process:
- Disability certificates issued from the District Hospital or applicable Government authority(Self-attested).
- Below Poverty Level or BPL card (in case the beneficiary belongs to BPL class).
- Address Proof.
- Proof of fee.
- Income certificates (Self attested)of the dad or mum/ guardian competent authority as issued by the State(in case the beneficiary belongs to APL class).Documents For Claim Process:
- Copy of Niramaya card or point out Health ID Card quantity.
- Self-attested copy of Disability Certificate.
- All authentic prescription papers given by the physician.
- All authentic payments of Hospital / Medicine / Doctor charge / Therapy charge / Conveyance and many others.
- All reviews in authentic.
- Complete financial institution particulars of Beneficiary like identify of account holder, account quantity, financial institution & department identify with metropolis and IFSC code.
