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                                                                हिंदी मैं पढने के लिए यहाँ से डाउनलोड करें  निरामय स्कीम

                                                                      हिंदी मैं पढने के लिए यहाँ से डाउनलोड करें  निरामय फॉर्म


A Health Insurance Scheme for the welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities.                


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 behaviour 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 and treatment through non-empanelled hospitals. Treatment can be taken from any hospital from anywhere. 

The details of services with financial limits (Benefit Chart) is given ANNEXURE - A.

Enrolment of Beneficiaries

Any eligible person can apply for enrolment under the Scheme in the prescribed format enclosed at Annexure – B and submit it to the nearest organization registered with the National Trust or to any other agencies specially entrusted in this regard by the National Trust. On successful enrolment and approval, Health ID No. / card will be issued to each beneficiary.

There will be a nominal processing fee as determined from time to time which shall be payable to the National Trust.

Premium & other charges

The insurance company shall be selected and premium shall be decided through a transparent process. The premium amount shall be paid by the National Trust in advance to the selected Insurance Company.

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It is the official website of the National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation & Multiple Disabilities, a Statutory Body under the Ministry of Social Justice & Empowerment, Govt. of India, 16B Bada Bazar Road, Old Rajinder Nagar, New Delhi -110060