Rashtriya Gram Swaraj Abhiyan - Internship Program 2026
The Niramaya Health Insurance Scheme, launched by the Department of Empowerment of Persons with Disabilities, offers affordable Read More... health insurance for Persons with Disabilities (PwDs). Read less
Details
The Niramaya Health Insurance Scheme is a crucial initiative by the Department of Empowerment of Persons with Disabilities, under the Ministry of Social Justice & Empowerment, Government of India. It's designed to make healthcare accessible and affordable for individuals with specific disabilities.
What is the Niramaya Health Insurance Scheme?
This scheme provides health insurance coverage to individuals with conditions like Autism, Cerebral Palsy, Mental Retardation, and Multiple Disabilities. The goal is to ensure these individuals receive necessary medical attention without facing significant financial burdens. The insurance cover is renewed annually.
Who is this scheme for?
This scheme is specifically for persons with disabilities who have Autism, Cerebral Palsy, Mental Retardation, or Multiple Disabilities, as recognized under the National Trust Act, 1999. They must possess a valid disability certificate.
Why is this scheme important?
Regular medical care can be expensive, especially for individuals with ongoing health needs. The Niramaya scheme aims to bridge this gap by offering substantial financial support for various medical treatments, therapies, and hospitalization, thereby improving the overall quality of life for persons with disabilities.
Objective
Benefits
- The selected candidates will receive a certificate of completion.
- The Internship Program, MoPR shall provide a flat rate/amount of Rs.7,000/- per month as ‘stipend’ to the ‘Intern’, depending on the best applicants.
Sources and references
Who Can Apply?
- Individuals who have at least one of the disabilities listed under the National Trust Act, 1999 are eligible.
- Applicants must possess a valid disability certificate issued by the District Hospital or an appropriate government authority.
How to Apply
The application process involves visiting a registered organization for enrollment. Here’s a general idea:
- Enrollment: Parents or guardians of the person with disability need to visit the nearest Registered Organization (RO) for Niramaya enrollment.
- Document Submission: Submit all the required documents as per the category (BPL/APL).
- Application Fee: Pay the applicable enrollment fee depending on your category (BPL and APL families with income up to ₹15,000/- pay ₹250/-, while APL families with income above ₹15,000/- pay ₹550/-).
For renewal, a separate process is available through the official website.
Claim Process
- Submit all claims for settlement to the centers of the insurance provider.
- Provide the prescribed Claim Form along with relevant vouchers, bills, prescription papers, and original reports. It's advisable to submit claims preferably within 30 days of treatment or hospital discharge.
- Ensure you have the complete bank details of the beneficiary.
For more details on the claim process, please refer to the official documentation.
Documents Needed for Enrollment
The documents required vary slightly based on your income category:
For BPL Card Holders (Enrollment Fee: ₹250/-)
- Self-attested copy of the Disability Certificate issued by the District Hospital or appropriate Government authority.
- BPL Card.
- Address Proof.
- Proof of payment of the enrollment fee.
For APL Card Holders (Family Income up to ₹15,000/- Per Month) (Enrollment Fee: ₹250/-)
- Self-attested copy of the Disability Certificate issued by the District Hospital or appropriate Government authority.
- Address Proof.
- Income Certificate (self-attested) of the parent/guardian issued by a competent authority.
- Proof of payment of the enrollment fee.
For APL Card Holders (Family Income above ₹15,000/- Per Month) (Enrollment Fee: ₹550/-)
- Self-attested copy of the Disability Certificate issued by the competent authority.
- Address Proof.
- Proof of payment of the enrollment fee.
Documents for Renewal
- For BPL: BPL card and Address Proof (if the address has changed).
- For APL (Income up to ₹15,000/-): Address Proof (if changed), Income Certificate (self-attested) of parent/guardian, and Proof of payment (Renewal Fee: ₹250/-).
- For APL (Income above ₹15,000/-): Address Proof (if changed) and Proof of payment (Renewal Fee: ₹500/-).
Documents for Claim Process
- Copy of Niramaya Card or Health ID Card number.
- Self-attested copy of Disability Certificate.
- Original prescription papers from the doctor.
- Original bills for Hospital/Medicine/Doctor fee/Therapy fee/Conveyance, etc.
- All original reports (e.g., MRI, X-ray, Ultrasounds).
- Complete bank details of the Beneficiary (Name of Account Holder, Account No., Bank Name, Branch, IFSC Code).
Important Notes:
- Original reports and films like MRI, X-ray, Ultrasounds are required for claim settlement.
- For ongoing therapies, a doctor’s prescription at least once in six months is mandatory, clearly stating the therapy type and duration. Subsequent documents from Rehabilitation Professionals and related bills will be accepted. The prescribing doctor must be a valid medical practitioner with the appropriate license and degree.
FAQ’s
What is the maximum health insurance coverage amount provided by the Niramaya scheme?
The Niramaya Health Insurance Scheme offers a health insurance cover of up to ₹1,00,000/- per beneficiary.
How can I apply for the Niramaya scheme?
To enroll, parents or guardians of a person with disability should visit the nearest Registered Organization (RO) with all the necessary documents. The scheme also has a renewal process available online.
Are there any specific hospitals I need to visit to get the scheme's benefits?
No, you can receive treatment from any hospital. The scheme does not limit you to specific healthcare providers.
What types of disabilities are covered under the Niramaya scheme?
The scheme covers individuals with Autism, Cerebral Palsy, Mental Retardation, and Multiple Disabilities, provided they have a valid disability certificate under the National Trust Act, 1999.
Is Niramaya a health insurance scheme?
Yes, the Niramaya Health Insurance Scheme is indeed a health insurance plan designed to offer financial protection for medical expenses.
What are the key benefits offered by the Niramaya scheme?
Key benefits include health insurance coverage up to ₹1,00,000/-, hospitalization expenses, outpatient department (OPD) treatment, ongoing therapies, dental care, surgery coverage, alternative medicine (AYUSH), and transportation costs.
What is the process for claiming benefits under Niramaya?
Claims must be submitted to the insurance provider's centers with the prescribed form, original bills, prescription papers, and reports. It is recommended to submit claims within 30 days of treatment or hospital discharge.
How do I find the nearest Registered Organization for Niramaya enrollment?
You can find the nearest Registered Organization by visiting the official website. The link is: https://thenationaltrust.gov.in/content/registered_organization.php
What is the annual renewal process for the Niramaya scheme?
The scheme requires annual renewal. You can follow the renewal process through the provided URL on the official website and submit the necessary details and fees.
Who is eligible to benefit from this health insurance scheme?
All persons with disabilities (PwDs) who have at least one of the specified disabilities under the National Trust Act, 1999, and possess a valid disability certificate are eligible to apply for this scheme.
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