In India, families of individuals with disabilities like Autism, Cerebral Palsy, Mental Retardation, and Multiple Disabilities often face significant challenges, particularly when it comes to accessing affordable health insurance. The Niramaya Health Insurance Scheme, launched by the Ministry of Social Justice & Empowerment, aims to address this gap by providing financial protection and healthcare access for those in need.
What Is Niramaya Health Insurance?
The Niramaya scheme offers up to ₹1,00,000 in health coverage for individuals with disabilities covered under the National Trust Act. This comprehensive insurance includes everything from regular checkups and hospitalization to corrective surgeries, therapies, and alternative medicine. It’s designed to ease the financial burden and ensure that people with disabilities get the care they deserve.
What Makes Niramaya Stand Out?
- Affordable premiums with a single rate across all age bands.
- Inclusive coverage for all disabilities under the National Trust Act.
- No pre-insurance medical tests required for enrollment.
- Wide range of benefits, including surgeries, therapies, and outpatient care.
Key Details You Need to Apply
Here’s what you need to apply for the Niramaya Health Insurance Scheme:
- Personal Information: Basic details such as name, date of birth, and Aadhaar number to authenticate the applicant.
- Disability Certificate: A valid disability certificate issued by an authorized government body.
- Bank Details: Bank account number, IFSC code, and a mobile number linked with the bank for easy payment processing.
- Proof of Identity: Documents like address proof, a recent passport-size photograph, and disability certificate from UDID (Unique Disability ID).
Premium Details
The Niramaya Health Insurance Scheme is designed to be affordable. The premiums are structured as follows:
- BPL (Below Poverty Line): ₹250
- APL (Above Poverty Line, family income up to ₹15,000/month): ₹250
- APL (Above Poverty Line, family income above ₹15,000/month): ₹500
These premiums are incredibly affordable considering the extensive coverage that comes with the scheme.
How to Apply
The application process is simple and can be done online through the Niramaya portal. Here’s how to get started:
- Fill out the Online Application: Visit the Niramaya portal and enter your details. Make sure to upload the required documents.
- Submit Application: After completing the form, submit your application along with the necessary documents.
- Approval and Health ID: Once your application is processed and approved, you will receive your Health ID card. You can download it online or receive it through the registered organization.
- Renewal: The scheme is valid until the end of the financial year. Make sure to renew it at least three months prior to expiry to continue receiving benefits.
Ready to apply?
Click here to apply now and take the first step toward a healthier, financially secure future for your loved one.
