At Gharkul, we have taken an initiative to educate our parents about “Niramaya” scheme. We are actually holding hands of our parents and making them do it. For that, we have appointed an agent. Some of parents are not even aware of “What is insurance?” We are educating them even for that.
Sharing the details with you.
If you know someone who has a “Special Child” then kindly make them aware of it. For this scheme, yearly bearable cost is Rs 500 by the beneficiary and the insurance cover is of Rs 1 lakh. The details are given in the following link.
“Niramaya”
The National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities.
Empowering Abilities, Creating Trust
https://www.thenationaltrust.gov.in/content/scheme/niramaya.php
About the Scheme
- Affordable Health Insurance to PwDs.
- Health insurance cover of up to Rs. 1.0 lakh.
- 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 .
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.
Niramaya’s Health Insurance Scheme Revised Benefit Chart (on Reimbursement Basis only w.e.f.April, 2022)
| Niramaya’ Health Insurance Scheme Revised Benefit Chart | ||||
|---|---|---|---|---|
| On Reimbursement Basis only (w.e.f. April, 2022) | ||||
| Section | Sub- Section | Detail | Sub Limit | Over all Limit of Section |
| I | Over all Limit of Hospitalization | 55,000/- | ||
| A | Corrective Surgeries for existing Disability including congenital disability | 40,000/- | ||
| B | Non- Surgical/ Hospitalization | 15,000/- | ||
| II | Overall Limit for Out Patient Department (OPD) | 19,000/- | ||
| A | OPDtreatment including the regular medical checkup ,medicines, pathology, diagnostic tests, etc. | 15,000/- | ||
| B | Dental Preventive Dentistry | 4,000/- | ||
| III | Ongoing Therapiesto reduce impact of disability and disability related complications | 20,000/- | ||
| IV | Alternative Medicine | 4,000/- | ||
| V | Transportationcosts | 2,000/- | ||
| OVERALL LIMIT OF THE COVERAGE FOR A PERSON: Rs.1,00,000/- | ||||
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.
Plsease visit the website for complete information
https://www.thenationaltrust.gov.in/content/scheme/niramaya.php
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