केंद्र सरकार · Ministry Of Social Justice and Empowerment
Niramaya Health Insurance Scheme
मुख्य लाभ
Health insurance coverage: Up to ₹1,00,000/- for various expenses.
क्या यह योजना आपको मिलेगी?
शर्तें एक नज़र में
- दिव्यांगता 40% या ज़्यादा
योजना की जानकारी सरकारी वेबसाइट की तरह अंग्रेज़ी में है। हिंदी में सुनने के लिए “आसान हिंदी में समझाएँ” दबाएँ।
योजना के बारे में
"Niramaya Health Insurance Scheme” was launched by the Department of Empowerment of Persons with Disabilities, Ministry of Social Justice & Empowerment. Government of India. The objective of the scheme is to provide affordable Health Insurance to persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities. The scheme provides insurance coverage of up to ₹1,00,000/-, which must be renewed annually after the financial year.
लाभ
- Health insurance coverage: Up to ₹1,00,000/- for various expenses.
- Outpatient department (OPD) treatment: Covers medicines, pathology, diagnostic tests, etc.
- Regular medical checkups: For non-ailing individuals with disabilities.
- Dental care: Preventive dentistry services.
- Surgery: To prevent further disability worsening or for existing disabilities (including congenital).
- Non- surgical/hospitalization: Coverage for non-surgical treatments and related stays.
- Ongoing therapies: For managing disability and related complications.
- Alternative medicine: Coverage for alternative treatment options.
- Transportation costs: Reimbursement for transportation related to medical care.
कौन आवेदन कर सकता है
- All the disable person who have at least one of the disabilities under the National Trust Act, 1999 with valid disability certificate.
कौन आवेदन नहीं कर सकता
- The scheme will be available in the entire country except J&K. The scheme further envisages that there shall be.
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आवेदन कैसे करें
Online
Enrolment process:
- १
Parents/guardian of the PwD will visit the nearest Registered Organization (RO) for Niramaya enrolment with required documents.
- २
RO will fill up the Niramaya application form online and upload the scanned documents as required after verification of the originals.
- ३
On successful enrolment and approval, Health ID No. /card will be issued to each beneficiary or can be downloaded by the beneficiary online or through RO. Scheme Renewal process:
- ४
The parent/guardian of the beneficiary can renew the scheme with the required documents online by logging on to the Niramaya website through providing below details: Policy Period, Beneficiary ID, UDID No/Enrollment no, Date of birth.
- ५
RO to verify the validity of documents
- ६
Pay the application fees online.
- ७
After receipt of payment, the RO/beneficiary will be notified of the renewal for another year through the website. Scheme Claim Process: All claims for settlement under Niramaya have to be submitted to the canters of the insurance provider in the prescribed Claim Form along with relevant vouchers / bills, etc. (preferably within 30 days of treatment) or discharge from hospital.
- ८
Beneficiaries need to download the claim form from https://www.rakshatpa.com/Web Portal under "Downloads” menu.
- ९
Submit the filled claim form along with complete supporting documents (medical bills, prescription, hospitalization report, discharge card etc.) and submit it to the regional centres of the insurance provider.
- १०
The insurance provider will verify the documents and transfer the approved claim to the given bank account as per Insurance Regulatory and Development Authority (IRDA) guidelines. Note: The Niramaya scheme is valid till March 31st of the financial year in which enrolment is undertaken. Beneficiaries are expected to renew the scheme three months prior to expiry to continue availing the scheme. In case of APL category (family income above Rs.15000 pm), the parent/guardian of thebeneficiary can renew the scheme online by logging on to the Niramaya website.
आम सवाल
What is Niramaya scheme?
Niramaya Health Insurance Scheme ,launched by the Department of Empowerment of Persons with Disabilities, aims to provide affordable health insurance to the Persons with Disabilities (PwDs).
What are the benefits under the scheme?
1. Health insurance coverage. 2. Outpatient department (OPD) treatment. 3. Regular medical checkups. 4. Dental care. 5. Surgery. 6. Non- surgical/hospitalization. 7. Ongoing therapies. 8. Alternative medicine. 9.
Transportation costs What is the health insurance maximum coverage amount?
This scheme provides affordable health insurance cover of up to ₹1,00,000/-.
Is there any limitation of hospitals to avail this scheme benfits?
No, treatment can be taken from any hospital.
Yes Who will be covered under this scheme?
All PwDs who have at least one of the disabilities under the National Trust Act, 1999 with valid disability certificate are eligible to apply for the scheme.
What is the enrolment process?
Parents/guardian of the PwD will visit the nearest RO for Niramaya enrolment with required documents.
How to find the nearest for Niramaya enrolment ?
Follow the below link URL : https://thenationaltrust.gov.in/content/registered_organization.php
What is the renewal process?
To renewal the scheme benefits, follow the below url and provide the required details URL : https://thenationaltrust.gov.in/auth/renew_gen.php and
How the reimbursement can be avail under this scheme?
All claims for settlement under Niramaya have to be submitted to the centres of the insurance provider in the prescribed Claim Form along with relevant vouchers / bills, etc. (preferably within 30 days of treatment) or discharge from hospital.
सरकारी लिंक
rakshatpa.com/WebPortal