Niramaya Health Insurance Scheme
Up to ₹1 lakh health insurance cover · persons with disabilities · National Trust
The Niramaya Health Insurance Scheme provides up to ₹1,00,000 per year in health insurance coverage to persons with Autism, Cerebral Palsy, Mental Retardation, or Multiple Disabilities at a heavily subsidized premium. Coverage includes hospitalization, OPD treatment, therapies, dental care, and alternative medicine (AYUSH). Enroll through the nearest Registered Organization recognized by the National Trust.
About This Scheme
The Niramaya Health Insurance Scheme provides up to ₹1,00,000 per year in health insurance coverage to persons with Autism, Cerebral Palsy, Mental Retardation, or Multiple Disabilities at a heavily subsidized premium. Coverage includes hospitalization, OPD treatment, therapies, dental care, and alternative medicine (AYUSH). Enroll through the nearest Registered Organization recognized by the National Trust.
Full official description
“Niramaya Health Insurance Scheme” was launched by the Department of Empowerment of Persons with Disabilities, Ministry of Social Justice & Empowerment. Government of India. The objective of the scheme is to provide affordable Health Insurance to persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities. The scheme provides insurance coverage of up to ₹1,00,000/-, which must be renewed annually after the financial year.
Benefits
- Total annual health insurance coverage: up to ₹1,00,000
- Hospitalization (including corrective surgery for existing disabilities): up to ₹55,000
- OPD treatment (medicines, pathology, diagnostics): up to ₹15,000
- Dental preventive care: up to ₹4,000
- Ongoing disability therapies: up to ₹20,000
- AYUSH (alternative medicine) treatment: up to ₹4,000
- Transportation costs for treatment: up to ₹2,000
- Insurance renewed annually
💡 Why Startups Should Care
Not directly startup-relevant — this is a health insurance benefit for persons with disabilities, not a funding or business scheme.
Who Can Apply (Eligibility)
- Must have at least one disability listed under the National Trust Act, 1999: Autism, Cerebral Palsy, Mental Retardation, or Multiple Disabilities
- Must hold a valid disability certificate
- Available across all of India (except Jammu & Kashmir)
Exclusions
- Not available to: The scheme will be available in the entire country except J&K. The scheme further envisages that there shall be.
How to Apply
Enrolment process: Parents/ guardian of the PwD will visit the nearest Registered Organization (RO) or discharge from hospital. Log on to [ - MediAssist Employee portal. (Your username will be as @NATIONALTRUST.Com and password will be your dat (Visit thenationaltrust.gov.in)
PROCESS FOR OFFLINE CLAIM SUBMISSION: Visit: [ Click on “Download Claim Form” or [visit – Click on “Claim Form Insured (Part A)” to download pdf file of claim form. Fill Claim form, attach required documents and send to Mediassist TPA on follow (Visit mediassisttpa.in)
Frequently Asked Questions
What is Niramaya scheme?
Niramaya Health Insurance Scheme ,launched by the Department of Empowerment of Persons with Disabilities, aims to provide affordable health insurance to the Persons with Disabilities (PwDs).
What are the benefits under the scheme?
- Health insurance coverage.
- Outpatient department (OPD) treatment.
- Regular medical checkups.
- Dental care.
- Surgery.
- Non-surgical/hospitalization.
- Ongoing therapies.
- Alternative medicine.
- Transportation costs
What is the health insurance maximum coverage amount?
This scheme provides affordable health insurance cover of up to [?]1,00,000/-.
Is there any limitation of hospitals to avail this scheme benfits?
No, treatment can be taken from any hospital.
Is this is a health insurence scheme?
Yes
Who will be covered under this scheme?
All PwDs who have at least one of the disabilities under the National Trust Act, 1999 with valid disability certificate are eligible to apply for the scheme.
What is the enrolment process?
Parents/guardian of the PwD will visit the nearest RO for Niramaya enrolment with required documents.
How to find the nearest for Niramaya enrolment ?
Follow the below link URL : https://thenationaltrust.gov.in/content/registered_organization.php
What is the renewal process?
To renewal the scheme benefits, follow the below url and provide the required details URL : https://thenationaltrust.gov.in/auth/renew_gen.php and
How the reimbursement can be avail under this scheme?
All claims for settlement under Niramaya have to be submitted to the centres of the insurance provider in the prescribed Claim Form along with relevant vouchers / bills, etc. (preferably within 30 days of treatment) or discharge from hospital.
Ready to apply?
Visit the official government portal to apply for this scheme.
Apply on myScheme.gov.inDocuments Required
Enrollment Process:
- For BPL (Enrolment Fee - ₹250/-)**
- Disability certificate (Self attested) issued from the District Hospital or appropriate Government authority BPL card
- Address Proof
- Proof of payment
- For APL (if family income up to ₹ 15,000/- Per Month) (Enrolment Fee - ₹250/-)**
- Disability certificate issued from the District
- Hospital or appropriate Government authority
- Proof of payment
- Income certificate of (Self attested) the parent/ guardian competent authority as issued by the State
- For APL (if family income above ₹15,000/- Per Month) (Enrolment Fee - ₹550/-)**
- Disability certificate (Self attested) issued
- by the competent authority as issued by the
- State
For Renewal: