Niramaya Health Insurance Scheme

How the process works

1. 1

   Step 1: Check eligibility

   Persons with Autism, Cerebral Palsy, Intellectual Disability, or Multiple Disabilities covered under the National Trust Act, holding a valid disability certificate / UDID. Must have valid disability certificate or UDID showing Autism, Cerebral Palsy, Intellectual Disability, or Multiple Disabilities. Must be enrolled through a National Trust Registered Organisation (RO) or online portal. Nominal annual premium required (heavily subsidised for BPL families).

2. 2

   Step 2: Prepare documents

   The official source lists the following documents.

   Documents needed for this step

   • Disability certificate / UDID card specifying Autism, CP, ID, or Multiple Disabilities.
   • Aadhaar card of beneficiary and parent/guardian.
   • BPL card (if claiming subsidised premium).
   • Bank account details of beneficiary / legal guardian.
   • Passport size photograph.
3. 3

   Step 3: Apply

   Online on thenationaltrust.gov.in or through a National Trust Registered Organisation (RO) in Gujarat. Step 1: Contact nearest National Trust Registered Organisation (RO) or visit portal. Step 2: Submit enrollment form with disability certificate and guardian KYC. Step 3: Pay nominal annual premium (free / subsidised for BPL). Step 4: Receive Niramaya Health Card with policy number. Step 5: File cashless / reimbursement claims through insurance TPA.

4. 4

   Step 4: Verification

   Verification by Registered Organisation and The National Trust.

5. 5

   Step 5: Sanction / decision

   Decision authority, as stated by the official source: The National Trust, Government of India.

6. 6

   Step 6: Benefit

   Annual health insurance coverage of up to ₹1,00,000 per beneficiary. Covers hospitalisation (up to ₹55,000), OPD expenses (up to ₹19,000), corrective surgery (up to ₹40,000), alternative medicine (up to ₹8,000), and dental care (up to ₹5,000). No pre-insurance medical test; pre-existing conditions covered from day one. Insurance reimbursement / cashless settlement via TPA into bank account.

7. 7

   Step 7: If delayed or rejected

   This step has not yet been confirmed from an official source. Please refer to the official portal or the concerned department.

8. 8

   Step 8: Grievance / appeal

   Central PG Portal https://pgportal.gov.in/ and National Trust grievance cell