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Niramaya Insurance Scheme

insurance niramaya scheme

WHAT IS NIRAMAYA SCHEME ?

The Niramaya Health Insurance Scheme provides affordable health Insurance to persons with Autism, Cerebral Palsy, Mental Retardation & Multiple Disabilities. It is administered by the National Trust.

Coverage under Niramaya Scheme:

The Niramaya Insurance Scheme provides a comprehensive insurance cover up to INR 1.0 lakh. It has following unique features:

  • Single premium across age band
  • Same coverage irrespective of the type of disability
  • No exclusion of pre-existing condition
  • Services covered range from regular Medical Check-up to Hospitalization, Therapy to Corrective Surgery, Transportation.
  • Conditions requiring repetitive medical intervention as an in-patient are covered.
  • Pre & Post hospitalization expenses, subject to limits
  • No pre-insurance medical tests.
  • Reimbursement of claims in case of OPD services from any Qualified Medical Practitioner and for IPD treatment can be taken from a Hospital anywhere in the country.
  • The details of services with financial limits (Benefit Chart) is given at Annexure – ‘A’. This is provided on the website – https://thenationaltrust.gov.in/content/scheme/niramaya.php

WHO CAN APPLY?

  • All persons with developmental disabilities are eligible and included. There is no ‘selection’ criteria.
  • Niramaya scheme is available in the entire country except J&K.

WHOM TO APPROACH?

National Trust of India

Enrolment to this insurance scheme can be made through registered organizations, as provided on the link: http://www.thenationaltrust.co.in/nt/index.php

For more details, please visit the website – https://thenationaltrust.gov.in/content/scheme/niramaya.php

HOW TO APPLY FOR NIRAMAYA SCHEME ?

For first time applicants (fresh enrollment) for Niramaya Scheme, please follow these steps:

  • A form is provided on the website :https://thenationaltrust.gov.in/content/scheme/niramaya.php.
  • Filled details have to be submitted by eligible applicants to the nearest organization registered with the National Trust
  • There will be a nominal processing fee as determined from time to time which shall be payable to the National Trust.
  • On successful enrolment and approval, Health ID No. / card will be issued to each beneficiary and then can print Ecard through the website.
  • Both the fresh enrolment and renewal will be from the enrolment date with the Insurance Company to the end of the financial year.
  • Any beneficiary enrolled during any month of the financial year will be covered upto 31st March.
  • The enrolment / renewal fee will be full and will be eligible to claim upto Rs.1 lakh. Fresh enrolment may be done throughout the year through our registered organizations.

Renewals

Claims Process

  • Niramaya Insurance does not have a cashless poilicy
  • Claim Form for settlement has to be submitted in the Claim Form alongwith relevant vouchers / bills, etc. within 30 days of treatment or discharge from hospital.
  • The claim form can be downloaded from the website and sent to the Third Party Administrator, authorized by the Insurance Company.
  • In the claims form, all the fields must be filled and enclose the following documents :
    • Copy of Niramaya card or mention Health ID No.
    • Attested copy of Disability Certificate.
    • All original prescription papers given by the doctor.
    • All original bills of Hospital / Medicine / Doctor fee / Therapy fee / Conveyance etc., should be self-attested.
    • All reports in Original.
    • Complete bank details of Beneficiary :
      • Account No. / Bank Name / Branch / IFSC Code / Name of Account Holder.

Important Tip : Please update your mobile number on the website of the National Trust by click on link Mobile No., to get updated information about NIRAMAYA on regular basis.

The Insurance Company for the period 2015-16, is The Oriental Insurance Co. Ltd., DO -20, N-39, Bombay Life Building, Connaught Circle, New Delhi- 110001; and Third Party Administrator (TPA) is Raksha TPA Pvt. Ltd,

Claim Form may kindly be sent to the Regional Centres of Raksha TPA Pvt. Ltd. (as provided on the website- https://thenationaltrust.gov.in/content/scheme/niramaya.php) The Nirmaya Website provides contact details for the Third Party Administrator (TPA)- https://thenationaltrust.gov.in/content/scheme/niramaya.php

If you’re seeking more information and guidance on this topic and related areas, Nayi Disha’s Know Your Rights (KYR) Program is here to support you every step of the way. By joining, you’ll gain access to valuable resources on government schemes, benefits, financial support, legal rights, and more, all aimed at securing a brighter future for your child. To learn more, visit our chatbot by clicking this link: https://bit.ly/4dJVCP3, or simply type ‘KYR’ on our helpline number 844-844-8996.

DISCLAIMER: Please note that this article is for information purposes only.

Assistive Devices

DevelopmentalDisability_AssistedDevices_Wheelchair

WHAT IT IS

The objective of the ADIP scheme is to assist PwDs (Persons with Disabilities) in buying assistive devices.

Assistive devices for the special needs children include:

  • Educational Materials: Worksheets, workbooks, picture boards, charts, pencil grip to aid in writing skills, educational toys and games, blocks, models of common objects, letters, numerals etc.
  • Mobility aids like tricycles, wheelchairs, crutches walking sticks and walking frames/rotators, including modifications to suit the individual.
  • All types of prosthetic and orthotic devices
  • All types of surgical footwears and MCR chappals.
  • Need based special devices for performing Activities of Daily Living (ADLs)
  • Any item advised by the Rehabilitation Professional or treating physician.

An indicative list of Assistive Devices can be found here: https://www.punarbhava.in/index.php/assistive-devices

The amount of assistance is as follows:

  1. For total Income up to Rs. 15,000 per month – Full cost of aid/appliance
  2. For total Income between 15,001 to 20,000 per month – 50% of the cost of aid/appliance
  3. Only those aids/appliances which do not cost more than Rs. 10,000/-are covered under the Scheme.
  4. However, for students with disability (SwDs), the limit is Rs. 12,000/- ( for devices which can cost up to 20,000) during their study period after IX standard.
  5. In the case of multiple disabilities, the limit will apply to individual items separately in case more than one aid/appliance is required
  6. Under the revised ADIP Scheme (w.e.f. 01.4.2014) motorized tricycles and wheelchairs are provided to severely disabled with extent of subsidy upto Rs.25,000/-. This will be provided to the persons of age of 18 years and above, once in ten years.
  7. Travelling cost would be admissible separately to the PwD and one escort limited to bus fare or railway, subject to a limit of Rs. 250/- each person,
    irrespective of number of visits to the centre.

For more details please refer to the Useful Links section .

WHO CAN APPLY?

  • Indian of any age
  • A 40% Disability certificate
  • Has monthly income from all sources not exceeding Rs 20,000 per month
  • In case of dependents, the income of parents/guardians should not exceed Rs. 20,000/- per month
  • Who have not received assistance during the last 3 years for the same purpose from any source.
  • However, for children below 12 years of age, this limit would be one year.

Note:- Income certificate of beneficiaries staying in orphanages and half-way homes etc. may be accepted on certification of District Collector or Head of the organization concerned. Such beneficiaries will be provided aids & appliances under this Scheme by Artificial Limbs Manufacturing Corporation of India (ALIMCO).

WHOM TO APPROACH?

ADIP defines Implementing Agencies- the agencies that will be responsible for making suitable arrangements for fitting and post fitting care of aids and appliances distributed under this scheme.

The following agencies are eligible to implement the Scheme on behalf of Department of Disability Affairs:

  1. Societies and their branches, if any, registered separately under the Societies Registration Act, 1860.
  2. Registered Charitable Trusts.
  3. Indian Red Cross Societies and other Autonomous Bodies headed by District Collector/Chief Executive Officer/District Development Officer.
  4. National/Apex Institutes, CRCs, RCs, District Disability RehabilitationCentres(DDRCs), National Trust, ALIMCO functioning under administrative control of the Ministry of Social Justice and Empowerment/Ministry of Health and Family Welfare.
  5. National/State Handicapped Development Corporation and Section 25 Companies in the Private Sector.
  6. Local Bodies – Zilla Parishad, Municipalities, District Autonomous Development Councils and Panchayats etc

This link provides details of implementing agencies across districts in Andhra Pradesh as sourced from: https://adip.depwd.gov.in/ADIP-Implementing-Agencies

HOW TO APPLY FOR THIS SCHEME?

  • PwD or their legal guardians have to approach the Implementing Agencies approved for disbursing the assistive devices.
  • Beneficiaries will be linked with Aadhar number or Ration Card or Voter Icard from 2014-15 and with Aadhar number from 2015-16

If you’re seeking more information and guidance on this topic and related areas, Nayi Disha’s Know Your Rights (KYR) Program is here to support you every step of the way. By joining, you’ll gain access to valuable resources on government schemes, benefits, financial support, legal rights, and more, all aimed at securing a brighter future for your child. To learn more, visit our chatbot by clicking this link: https://bit.ly/4dJVCP3, or simply type ‘KYR’ on our helpline number 844-844-8996.

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