Niramaya Health Insurance Scheme - National Trust

NIRAMAYA - Health Insurance Scheme (Revised Scheme w.e.f. April, 2015)
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Objective

In order to enable and empower persons with developmental disability to live as independently and as fully as possible, health services and their access to persons with developmental disabilities assume a very significant role. In this context, the health insurance facility becomes important but presently such products are not easily available for persons with developmental disabilities. In such a situation, a health insurance scheme "Niramaya" is conceived with the following objectives.

• To provide affordable Health Insurance to persons with Autism, Cerebral Palsy, Mental Retardation & Multiple Disabilities.
• To encourage health services seeking behavior among persons with developmental disability.
• To improve the general health condition & quality of life of persons with developmental disability

Scheme & Its coverage
The scheme envisages to deliver 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 up to Rs.1.0 lakh.
• All persons with developmental disabilities will be eligible and included and there will be no 'selection'.
• The scheme will be available in the entire country except J&K.

The scheme further envisages that there shall be -

• No exclusion of Pre-existing condition
• Same cover as that for other persons
• Services ranging from regular Medical Check-up to Hospitalization, Therapy to Corrective Surgery, Transportation.
• Conditions requiring repetitive medical intervention as an in-patient.
• Pre & Post hospitalization expenses, subject to limits.
• No pre-insurance medical tests.
• Reimbursement of claims in case of OPD services from any Qualified Medical Practitioner and for IPD treatment can be taken from a Hospital anywhere in the country.