NIRAMAYA
(Health Insurance Scheme)
About the Scheme
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Affordable Health Insurance to PwDs.
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Health insurance cover of up to Rs. 1.0 lakh.
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Facility for OPD treatment including the medicines, pathology, diagnostic tests, etc, Regular Medical checkup for non-ailing disabled, Dental Preventive Dentistry, Surgery to prevent further aggravation of disability, Non- Surgical/ Hospitalization, Corrective Surgeries for existing Disability including congenital disability, Ongoing Therapies to reduce impact of disability and disability related complications, Alternative Medicine.
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Transportation costs.
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No pre-insurance medical tests required.
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The scheme will be available in the entire country except J&K.
Scheme Description
The scheme envisages delivering comprehensive cover which will
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Have a single premium across age band
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Provide same coverage irrespective of the type of disability covered under the National Trust Act
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Insurance cover upto Rs.1.0 lakh , on reimbursement basis only.
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All persons with disabilities under the National Trust Act with valid disability certificate will be
eligible and included.
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No pre-insurance medical tests
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Treatment can be taken from any hospital.
Niramaya’s Health Insurance Scheme Revised Benefit Chart (on Reimbursement Basis only w.e.f.April, 2015)
|
Niramaya' Health Insurance Scheme Revised Benefit Chart |
|
On Reimbursement Basis only (w.e.f. April, 2015) |
|
Section |
Sub- Section |
Detail |
Sub Limit |
Over all Limit of Section |
|
I |
Over all Limit of Hospitalization |
70,000/- |
|
|
A |
Corrective Surgeries for existing Disability including congenital disability |
40,000/- |
|
|
|
B |
Non- Surgical/ Hospitalization |
15,000/- |
|
|
|
C |
Surgery to prevent further aggravation of disability |
15,000/- |
|
|
II |
Overall Limit for Out Patient Department (OPD) |
14,500/- |
|
|
A |
OPDtreatment including the medicines, pathology, diagnostic tests, etc. |
8,000/- |
|
|
|
B |
Regular Medical checkup for non-ailing disabled |
4,000/- |
|
|
|
C |
Dental Preventive Dentistry |
2,500/- |
|
|
III |
Ongoing Therapiesto reduce impact of disability and disability related complications |
10,000/- |
|
IV |
Alternative Medicine |
4,500/- |
|
V |
Transportationcosts |
1,000/- |
|
OVERALL LIMIT OF THE COVERAGE FOR A PERSON: Rs.1,00,000/- |