National Trust : Niramaya Health Insurance Scheme Renewal

Name of the Organisation : National Trust
Type of Facility :Niramaya Health Insurance Scheme Renewal
Applicable For : All India

Home Page : niramayascheme.com
Renewal : niramayascheme.com

Niramaya Health Insurance Scheme Renewal :

** Renewal can be done by the applicant himself also online through niramayascheme.com.
** The renewal process starts 3 months prior & stop 1 month prior to the expiry of policy.

Related : National Trust Print Niramaya Health Insurance Scheme E-card : www.statusin.in/910.html

renewal process starts 3 months prior & stop 1 month prior to the expiry of policy. :
** Policy Coverage Period-I-2nd April to 31st March,II-2nd October to 30th September
** Enrollment application submission period -I-1st Oct to 28th Feb,II-1st Mar to 31st Aug
** Renewal application submission period-I 1st Jan to 28th Feb,II-1st July to 31st Aug

Scheme & its coverage :
** 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 per covered beneficiary.
** All persons with developmental disabilities covered under National Trust Act, will be eligible and those enrolling with National Trust would be included and there will be no ‘selection’.

Renewal Fee under Niramaya :
** Enrolment fee under the Scheme can be paid either by DD/ NEFT or cash only (not by Cheque) in National Trust (Niramaya) account.
** The premium for all categories is Rs.250.00 now, irrespective of income group. Hence now onwards the proof of income for BPL category beneficiaries, the BPL card of verification from RO is must.
** The enrolment & renewals can be done throughout the year now. The E-card will be issued in the next month of the enrolment/renewal. All such policies issued will be valid till March of the next year. The premium will be based on the prorate basis as per the below table :-
** the beneficiaries who could not make renewals in time, they can also enroll themselves now by clicking on “Inactive” given under renewal tab of niramayascheme.com. They need not to submit any new document and just have to upload the scan copy of the premium. They can search their details by just putting their name or application Id. They can also change their address if any.
** To encourage the ROs for enrolment, the SNACs will also be paid honorarium, of Rs.10.00 per enrolment/renewal made in their state. The ROs will continue to be paid honorarium of Rs.40.00 per enrolment/renewal. (I need feedback on these rates, do you think this will help to motivate better enrolment- Please send feedback by June 12th).
** The honorarium to all ROs will be paid on quarterly basis.
** While analysing the data we observed that there is huge potential of working in this scheme. I am enclosing herewith annexure A showing the list of persons with intellectual and developmental disabilities as per 2011 census in all the states and persons with intellectual and developmental disabilities covered in each of the states as on 30th April, 2014. The districtwise data is also available in the linkniramayascheme.com/differently_able