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Niramaya Insurance Scheme

The Niramaya Health Insurance Scheme provides affordable health Insurance to persons with Autism, Cerebral Palsy, Mental Retardation & Multiple Disabilities. It is administered by the National Trust.<br><br>Coverage under Niramaya Scheme:<br><br>The Niramaya Insurance Scheme provides a comprehensive insurance cover up to INR 1.0 lakh. It has following unique features:<br><br>Single premium across age band<br>Same coverage irrespective of the type of disability<br>No exclusion of pre-existing condition

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Niramaya Insurance Scheme

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  1. Niramaya Insurance Scheme

  2. WHAT IS NIRAMAYA SCHEME? The NiramayaHealth Insurance for Disabled Personprovides affordable health Insurance to persons with Autism, Cerebral Palsy, Mental Retardation & Multiple Disabilities. It is administered by the National Trust. Coverage under Niramaya Scheme: • The Niramaya Insurance Scheme provides a comprehensive insurance cover up to INR 1.0 lakh. It has following unique features: • Single premium across age band • Same coverage irrespective of the type of disability • No exclusion of pre-existing condition • Services covered range from regular Medical Check-up to Hospitalization, Therapy to Corrective Surgery, Transportation.

  3. WHO CAN APPLY? • All persons with developmental disabilities are eligible and included. There is no ‘selection’ criteria. • Niramaya scheme is available in the entire country except J&K.

  4. WHOM TO APPROACH? National Trust of India Enrolment to this insurance scheme can be made through registered organizations, as provided on the link: http://www.thenationaltrust.co.in/nt/index.php?option=com_content&task=v… For more details, please visit the website – http://www.niramayascheme.com/niramaya

  5. HOW TO APPLY FOR NIRAMAYA SCHEME ? For first time applicants (fresh enrollment) for Niramaya Scheme, please follow these steps: • A form is provided on the website : http://www.niramayascheme.com/niramaya. • Filled details have to be submitted by eligible applicants to the nearest organization registered with the National Trust • There will be a nominal processing fee as determined from time to time which shall be payable to the National Trust. • On successful enrolment and approval, Health ID No. / card will be issued to each beneficiary and then can print Ecard through the website. • Both the fresh enrolment and renewal will be from the enrolment date with the Insurance Company to the end of the financial year.

  6. Claims Process • Niramaya Insurance does not have a cashless poilicy • Claim Form for settlement has to be submitted in the Claim Form alongwith relevant vouchers / bills, etc. within 30 days of treatment or discharge from hospital. • The claim form can be downloaded from the website and sent to the Third Party Administrator, authorized by the Insurance Company. • In the claims form, all the fields must be filled and enclose the following documents Insurance for Disabled Person

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