Niramaya Health Insurance Scheme 2024: Apply Online, Eligibility, Benefits

Niramaya Health Insurance Scheme Under the Niramaya Health Benefits Plan, individuals with disabilities—including those with severe introversion, cerebral paralysis, mental disease, and other incapacities—can now get health benefits. The Service of Social Equity and Empowerment’s Strengthening of People with Incapapacities Division is in charge of this project. Oversight of the programme is provided by the National Believe for Welfare of People with Extreme Introversion, Brain Paralysis, Mental Hindrance, and Other Inabilities.

Qualified persons can apply for a Niramaya Wellbeing Card, which offers benefits of up to Rs. 1 lakh. This health safety system makes sure that persons with different challenges can get the care they need.

Niramaya Health Insurance Scheme 2024

The Indian government introduced the Nirmala Health Insurance Scheme to offer health care for people with disabilities. The coverage provided to scheme participants is up to Rs 100,000, and it is renewed yearly. Beneficiaries must pay a nominal premium in order to be eligible for benefits.

For those who fall below the poverty line, the enrollment fee is Rs 250; for those who are above it, it is Rs 500. By providing financial assistance for necessary medical care, this programme aims to enhance the general financial and health well-being of individuals with disabilities.

Key Highlights of the Niramaya Health Insurance Scheme

 Scheme  Niramaya Health Insurance Scheme
 Launched by  Government of India
 Objective  To provide health insurance coverage
 Beneficiaries   All PwDs with valid disability certificates
 Official Website  Click Here

Objectives of Niramaya Health Insurance Scheme

  • Make certain that those with disabilities, such autism or cerebral palsy, have access to health insurance.
  • Help with yearly medical expenses by offering up to Rs. 1 lakh in monetary help.
  • Keep the prices reasonable so that those with disabilities can afford it.
  • Continue to renew your health insurance each fiscal year.
  • People who are not below the poverty line should pay a lower price, while those who are over it should pay a somewhat higher one.
  • Help improve the overall well-being and financial stability of people with disabilities.

Eligibility Criteria Niramaya Health Insurance Scheme

  • In order to apply, you must be an Indian permanent resident.
  • Generally speaking, individuals with various disabilities of all ages are welcome.
  • The amount you pay may be influenced by your income. Pay is typically lower for those with lesser earnings.
  • If your income is below the poverty line, you may be able to join for less money.
  • People who have certain difficulties, such as multiple disabilities, mental retardation, cerebral palsy, and autism.

Benefits of Niramaya Health Insurance Scheme

  • Enables you to see doctors and get the treatment you need by offering health insurance.
  • Provides funding for medical expenses, which lessens your financial load.
  • The health coverage is renewed annually to guarantee that you will continue to get support.
  • Maintains costs within reason so you won’t be concerned about them too much.
  • If you don’t make a lot of money, you pay less to join.
  • Having health coverage gives you the power to take responsibility for your health.
  • Makes certain that everyone gets the required medical care, particularly those who are impaired.
  • With financial help, you may put money worries aside and focus on improving your health.
  • By ensuring that they have access to high-quality healthcare, it generally enhances the quality of life for people with disabilities.

Required Documents Niramaya Health Insurance Scheme 2024

  1. Aadhar card
  2. Resident certificate
  3. Passport size photograph
  4. Mobile number
  5. Bank account details

How to Apply Online for a Health Card in Niramaya 2024?

  • Visit the  Official website of the Niramaya Wellbeing Protections Plot.
  • Provide a few essential details about yourself while creating an account, like your title, contact information, and inability to supply subtle elements.

  • Use the subdued login components you made to log in.
  • Locate the section where you can apply to receive a Wellbeing Card. It can go by a moniker like Apply Now.

  • Complete the web form by adding your muted elements. Remember to be precise.
  • If they require any reports (such a certification of incapacity), transfer them.
  • Once everything is in working order, hit the yield button.
  • If there is a fee—which is extremely unlikely—pay it online. They usually offer a structure for secure installments.
  • Consider your application carefully.

Contact Details

  • Email-
  • Phone- 011-20897959

FAQs : Niramaya Health Insurance Scheme

1. What is the Niramaya Health Insurance Scheme?

The Niramaya Health Insurance Scheme is a health insurance program aimed at providing affordable and accessible health coverage to individuals with autism, cerebral palsy, mental retardation, and multiple disabilities.

2. Who is eligible for the scheme?

Individuals with autism, cerebral palsy, mental retardation, or multiple disabilities are eligible for the Niramaya Health Insurance Scheme. The scheme is designed to cater specifically to the healthcare needs of these individuals.

3. How does the scheme work?

The scheme provides health insurance coverage for specified disabilities. Enrolled individuals can avail cashless treatment in empaneled hospitals for various medical expenses related to their conditions.

4. What benefits does the Niramaya Health Insurance Scheme offer?

The scheme covers various medical expenses, including therapy, hospitalization, and medications. It aims to ease the financial burden on families dealing with the healthcare needs of individuals with specified disabilities.

5. How can one enroll in the scheme?

Enrolling in the Niramaya Health Insurance Scheme typically involves submitting relevant documents and details of the individual with disabilities. Details about the enrollment process are available through the scheme’s official channels.

6. Is there an age limit for enrollment?

The scheme usually does not have an age limit for enrollment, allowing individuals to join at any stage. However, specific details may vary, and it’s advisable to check the scheme guidelines for accurate information.

7. Can individuals choose their healthcare providers under the scheme?

Yes, individuals enrolled in the Niramaya Health Insurance Scheme can choose healthcare providers from the list of empaneled hospitals. The scheme provides flexibility in selecting the most suitable healthcare facilities for their needs.

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