NIRAMAYA
A Health Insurance Scheme
For the welfare of persons with Autism,
Cerebral Palsy, Mental Retardation and Multiple Disabilities
THE NATIONAL TRUST
16-B, Bada Bazar, Old Rajender Nagar
NEW DELHI - 110060
Phone: 91-11- 23766898, 43520861, Fax: 91-11-23731648
E-mail: nationaltrust[at]nic[dot]in
Website: http://thenationaltrust.gov.in/content/
- Affordable Health Insurance to PwDs.
- Health insurance cover of up to Rs. 1.0 lakh.
- 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.
- Transportation costs.
- No pre-insurance medical tests required.
- 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/- | ||||
The sub-allocation outlined above may undergo an annual alteration based on the agreement between the National Trust and the Insurance Provider and will be notified on the website.
Source: The National Trust Niramaya Scheme