Niramaya Health Insurance Scheme ,launched by the Department of Empowerment of Persons with Disabilities, aims to provide affordable health insurance to the Persons with Disabiliti...
рдореБрдЦреНрдп рдЬрд╛рдирдХрд╛рд░реА
рд╡рд┐рднрд╛рдЧ / рдордВрддреНрд░рд╛рд▓рдп: Ministry Of Social Justice and Empowerment
**Health insurance coverage:** Up to тВ╣1,00,000/- for various expenses.1. **Outpatient department (OPD) treatment:** Covers medicines, pathology, diagnostic tests, etc.1. **Regular medical checkups:** For non-ailing individuals with disabilities.1. **Dental care:** Preventive dentistry services.1. **Surgery:** To prevent further disability worsening or for existing disabilities (including congenital).1. **Non-surgical/hospitalization:** Coverage for non-surgical treatments and related stays.1. **Ongoing therapies:** For managing disability and related complications.1. **Alternative medicine:** Coverage for alternative treatment options.
> **Health insurance coverage: Up to тВ╣1,00,000/- bifurcation for various expenses.**
**Section I: Hospitalization** **:** The overall limit for hospitalization expenses is тВ╣55,000/-. This includes:
Corrective Surgeries for existing Disability including congenital disability (Under SECI(A)a maximum capping of тВ╣15,000/- For other than the corrective surgeries for Existing Disabilities, which is include in the overall limit of тВ╣40,000/- of Sec I(A))
Non-surgical or hospitalization costs are covered up to тВ╣15,000/-.
**Section II: Outpatient Department (OPD)** **:** The overall OPD treatment limit is тВ╣19,000/-, broken down as:
OPD treatment, including medicines, pathology, diagnostic tests, etc., is covered up to тВ╣15,000/-.
Dental preventive dentistry is covered up to тВ╣4,000/-.
**Section III: Ongoing Therapies**
A total of тВ╣20,000/- is allocated for ongoing therapies aimed at reducing the impact of disability.
***Section IV: Alternative Medicine (AYUSH)***
Treatment under AYUSH systems of medicine is reimbursable up to тВ╣4,000/-.
All the disable person who have at least one of the disabilities under the [National Trust Act, 1999](https://cdnbbsr.s3waas.gov.in/s3300891a62162b960cf02ce3827bb363c/uploads/2024/09/20240918793880368.pdf) with valid disability certificate.
рдЖрд╡реЗрджрди рдХреИрд╕реЗ рдХрд░реЗрдВ
**Online**
> **Enrolment process:**
**Step 1:** Parents/ guardian of the PwD will visit the nearest [Registered Organization (RO)](https://thenationaltrust.gov.in/content/registered_organization.php) for Niramaya enrolment with required documents.
**Step 2:** RO will fill up the Niramaya application form online and upload the scanned documents as required after verification of the originals.
**Step 3:** 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:**
**Step 1:** The parent/guardian of the beneficiary can renew the scheme with the required documents online by logging on to the Niramaya [website](https://thenationaltrust.gov.in/auth/renew_gen.php) through providing below details: Policy Period, Beneficiary ID, UDID No/Enrollment no, Date of birth.
**Step 2:** RO to verify the validity of documents
- All the disable person who have at least one of the disabilities under the [National Trust Act, 1999](https://cdnbbsr.s3waas.gov.in/s3300891a62162b960cf02ce3827bb363c/uploads/2024/09/20240918793880368.pdf) with valid disability certificate.
Niramaya Health Insurance Scheme рдореЗрдВ рдХреНрдпрд╛ рд▓рд╛рдн рдорд┐рд▓рддрд╛ рд╣реИ?
1. **Health insurance coverage:** Up to тВ╣1,00,000/- for various expenses.1. **Outpatient department (OPD) treatment:** Covers medicines, pathology, diagnostic tests, etc.1. **Regular medical checkups:** For non-ailing individuals with disabilities.1. **Dental care:** Preventive dentistry s...
Niramaya Health Insurance Scheme рдХреЗ рд▓рд┐рдП рдСрдирд▓рд╛рдЗрди рдЖрд╡реЗрджрди рдХреИрд╕реЗ рдХрд░реЗрдВ?
**Online**
> **Enrolment process:**
**Step 1:** Parents/ guardian of the PwD will visit the nearest [Registered Organization (RO)](https://thenationaltrust.gov.in/content/registered_organization.php) for Niramaya enrolment with required documents.
**Step 2:** RO will fill up the Niramaya...