Organisation : Government of India The National Trust
Facility : NIRAMAYA (Health Insurance Scheme)
Scheme Details here : http://thenationaltrust.gov.in/content/scheme/niramaya.php
Website : http://thenationaltrust.gov.in/content/scheme/niramaya.php
NIRAMAYA Scheme :
** Affordable Health Insurance to PwDs.
** Health insurance cover of up to Rs. 1.0 lakh.
Related : The National Trust NGO Registration : www.statusin.in/18616.html
** 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.
Eligibility Criteria :
Eligibility Criteria for Registered Organisation(ROs) :
All ROs of the National Trust after paying the registration fee of Rs.1000/- could get registration under the Niramaya Health Insurance Scheme of the National Trust for further enrolling the Persons with Disabilities (PwDs) under the National Trust Act.
Eligibility Criteria for PwD :
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.
Enrolment Process :
Enrolment of Beneficiaries :
** Any eligible person can apply for enrolment under the Scheme in the prescribed format given on the website and submit it to the nearest organization registered with the National Trust or to any other agencies specially entrusted in this regard by the National Trust at any time during the year.
On successful enrolment and approval, Health ID No./ card will be issued to each beneficiary and then can print Ecard through the website.
** There will be a nominal processing fee as determined from time to time which shall be payable to the National Trust.
** Fresh enrolment may be done throughout the year through National Trust Registered Organizations.
** 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.
Renewal Process :
The Niramaya scheme is valid till March 31st of the financial year in which enrolment is undertaken. Beneficiaries are expected to submit the renewal application three months prior to expiry to continue availing the scheme.
The other way, they can visit the nearest RO registered under Niramaya Scheme with the required documents as given in the table below according to the category for renewal of scheme. The steps to be followed by the beneficiary for renewal through RO are as under
STEP 1 : Parents/guardian of the PwD will visit the nearest RO for Niramaya renewal with required documents (as detailed in Step 2)
STEP 2 :
The RO will follow the process detailed below for renewal of the PwD :
** RO to verify the validity of documents (outlined in the table given below)
** Click on the renewal link on the Niramaya website
** Pay the application fees online (as detailed in the table)