Niramaya

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,
4. Dental Preventive Dentistry,Non- Surgical/ Hospitalization, Corrective Surgeries for existing Disability including congenital
5. disability, Ongoing Therapies to reduce impact of disability and disability related complications, Alternative Medicine.
6. Transportation costs.
7. No pre-insurance medical tests required.
8. The scheme will be available in the entire country.

Scheme Description

1. 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
2. Insurance cover upto Rs.1.0 lakh , on reimbursement basis only.
3. All persons with disabilities under the National Trust Act with valid disability certificate having UDID Card or UDID enrolment .number(with pwd certificate) will be eligible and included.
4. No pre-insurance medical tests
5. Treatment can be taken from any hospital.

Niramaya’ Health Insurance Scheme Revised Benefit Chart (On Reimbursement Basis only)

Section	Sub-Section	Detail	Sub Limit	Overall Limit of Section
I	Overall Limit of Hospitalization			55,000/-
	A	Corrective Surgeries for existing Disability including congenital disability…	40,000/-
	B	Non-Surgical / Hospitalisation	15,000/-
*II	Overall Limit for Out Patient Department (OPD)			19,000/-
	A	OPD treatment including the medicines, pathology, diagnostic tests, etc.	15,000/-
	B	Dental Preventive Dentistry	4,000/-
**III	Ongoing Therapies to reduce impact of disability…			20,000/-
IV	Alternative Medicine-AYUSH			4,000/-
V	Transportation costs			2,000/-
OVERALL LIMIT OF THE COVERAGE FOR A PERSON: Rs. 1,00,000/-

*. Need for ORIGINAL REPORTS / FILMS LIKE MRI, X-RAY, ULTRASOUNDS ETC. – Original documents are required including the film for settling of Claims.

**. Prescription for Ongoing Therapies- Doctor’s prescription at least once in Six months is essential in which the category of therapy and duration of therapy should be clearly mentioned. Thereafter other documents from Rehabilitation Professional for therapy, and related bills will be acceptable. Doctor who prescribes the prescription should be a valid medical Practitioner with valid license/degree as per Medical council rules.

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.