NIRAMAYA (Health Insurance Scheme)

NIRAMAYA
(Health Insurance Scheme)

About the Scheme

  1. Affordable Health Insurance to PwDs.
  2. Health insurance cover of up to Rs. 1.0 lakh.
  3. 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.
  4. Transportation costs.
  5. No pre-insurance medical tests required.
  6. The scheme will be available in the entire country except J&K. 

Scheme Description

The scheme envisages delivering comprehensive cover which will

  • Have a single premium across age band
  • Provide same coverage irrespective of the type of disability covered under the National Trust Act
  • Insurance cover upto Rs.1.0 lakh , on reimbursement basis only.
  • All persons with disabilities under the National Trust Act with valid disability certificate will be
    eligible and included.
  • No pre-insurance medical tests
  • 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/-