Rashtriya Gram Swaraj Abhiyan - Internship Program 2026

The Niramaya Health Insurance Scheme, launched by the Department of Empowerment of Persons with Disabilities, aims to Read More... provide affordable health insurance for Persons with Disabilities (PwDs). Read less

Details

The Indian government, through the Department of Empowerment of Persons with Disabilities (Divyangjan), Ministry of Social Justice & Empowerment, has introduced the Niramaya Health Insurance Scheme. This initiative is designed to make healthcare accessible and affordable for individuals living with specific disabilities.

What Is This Scheme?

Niramaya is a health insurance scheme that offers financial support for medical treatments for individuals with Autism, Cerebral Palsy, Mental Retardation, and Multiple Disabilities. The goal is to ease the financial burden of healthcare costs for these individuals and their families.

Who Can Benefit From This Scheme?

This scheme is primarily for persons with disabilities who have been diagnosed with conditions like Autism, Cerebral Palsy, Mental Retardation, or Multiple Disabilities. They must possess a valid disability certificate as per the National Trust Act, 1999.

Why This Scheme Is Important

The Niramaya scheme addresses a critical need for accessible and affordable healthcare for persons with disabilities. It aims to ensure that these individuals can receive necessary medical attention without facing significant financial hardship, thereby promoting their overall well-being and reducing the impact of their conditions.

Objective

The Niramaya Health Insurance Scheme, launched by the Department of Empowerment of Persons with Disabilities, aims to provide affordable health insurance for Persons with Disabilities (PwDs).

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

Guidelines

Eligibility Criteria

Applicants must be persons with disabilities who have at least one of the conditions specified under the National Trust Act, 1999.
A valid disability certificate issued by the District Hospital or an appropriate government authority is mandatory.

How To Apply

The application process involves visiting a Registered Organization (RO) for enrollment. Please follow these steps:

For Enrollment: Parents or guardians of the Person with Disability (PwD) need to visit the nearest Registered Organization (RO) with all the required documents.
For Renewal: For renewing the scheme benefits, please visit the official portal and provide the necessary details.
For Claim Process: All claims for reimbursement must be submitted to the insurance provider's centers. This should be done using the prescribed Claim Form along with all relevant vouchers, bills, and original documents, preferably within 30 days of treatment or hospital discharge.

Official Links

To find the nearest Registered Organization for Niramaya enrollment: Find RO Here
For scheme renewal: Renew Scheme Here

Documents Required

The documents needed vary slightly based on whether you are applying for enrollment or renewal, and your income status (BPL or APL).

For Enrollment:

For BPL Card Holders (Enrolment Fee: ₹250/-):
- Self-attested copy of Disability Certificate (issued by District Hospital or appropriate Govt. authority).
- BPL Card.
- Address Proof.
- Proof of payment.
For APL (Family Income up to ₹15,000/- per month) (Enrolment Fee: ₹250/-):
- Self-attested copy of Disability Certificate (issued by District Hospital or appropriate Govt. authority).
- Address Proof.
- Income Certificate (self-attested) issued by a competent authority.
- Proof of payment.
For APL (Family Income above ₹15,000/- per month) (Enrolment Fee: ₹550/-):
- Self-attested copy of Disability Certificate (issued by the competent authority).
- Address Proof.
- Proof of payment.

For Renewal:

For BPL:
- BPL Card.
- Address Proof (if there's a change of address).
For APL (Family Income up to ₹15,000/- per month) (Renewal Fee: ₹250/-):
- Address Proof (if there's a change of address).
- Self-attested Income Certificate issued by a competent authority.
- Proof of payment.
For APL (Family Income above ₹15,000/- per month) (Renewal Fee: ₹500/-):
- Address Proof (if there's a change of address).
- Proof of payment.

For Claim Process:

Copy of Niramaya Health ID Card or the Niramaya card number.
Self-attested copy of the Disability Certificate.
All original prescription papers from the doctor.
All original bills for Hospital, Medicines, Doctor's fees, Therapy fees, Conveyance, etc.
All reports in original (e.g., MRI, X-ray, Ultrasound).
Complete bank details of the beneficiary: Name of Account Holder, Account Number, Bank Name, Branch (City & State), and Bank Account IFSC Code.

Important Notes:

Original Reports/Films: Original documents, including films like MRI, X-ray, and ultrasounds, are required for claim settlements.
Prescription for Ongoing Therapies: A doctor's prescription is needed at least once every six months. This prescription must clearly state the category and duration of the therapy. Subsequent documents from a Rehabilitation Professional for therapy, along with related bills, will be acceptable. The prescribing doctor must be a valid medical practitioner with a license/degree as per the Medical Council rules.

FAQ’s

What is the Niramaya Health Insurance Scheme?

The Niramaya Health Insurance Scheme, initiated by the Department of Empowerment of Persons with Disabilities, aims to provide affordable health insurance coverage to Persons with Disabilities (PwDs).

Who is eligible to apply for the Niramaya scheme?

Individuals with Autism, Cerebral Palsy, Mental Retardation, or Multiple Disabilities, holding a valid disability certificate as per the National Trust Act, 1999, are eligible to apply for this scheme.

What is the maximum health insurance coverage offered under this scheme?

The scheme offers a health insurance cover of up to ₹1,00,000/- per annum for eligible individuals.

What kinds of medical treatments are covered by the Niramaya scheme?

The scheme covers various treatments including hospitalization, outpatient department (OPD) services, regular medical checkups, dental care, surgeries, ongoing therapies, and treatments under alternative medicine (AYUSH). It also covers transportation costs related to medical treatment.

Do I need to pay an enrolment fee to join the Niramaya scheme?

Yes, there is an enrolment fee. For BPL cardholders and APL individuals with a family income up to ₹15,000/- per month, the fee is ₹250/-. For APL individuals with a family income above ₹15,000/- per month, the fee is ₹550/-.

Are there any specific hospitals I must go to for treatment?

No, you can receive treatment from any hospital. The scheme does not restrict you to a particular network of hospitals.

How do I renew my Niramaya health insurance policy?

You can renew your scheme benefits by visiting the provided renewal link on the official website and submitting the required details. Renewal fees vary based on your income category.

What documents are needed for the claim process?

For claims, you'll need your Niramaya Health ID Card, a self-attested disability certificate, all original doctor's prescriptions, original bills for hospitalisation, medicines, and other medical expenses, original reports (like MRI, X-ray), and your bank account details.

How can I find a Registered Organization (RO) for Niramaya enrollment?

You can find the nearest Registered Organization (RO) by visiting the official website at the provided link for registered organizations. This is where you will submit your application.

Is Niramaya a health insurance plan?

Yes, the Niramaya Health Insurance Scheme is a health insurance program designed to provide financial support for medical expenses of eligible persons with disabilities.