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 except J&K.
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, 2015)
NIRAMAYA’ HEALTH INSURANCE SCHEME REVISED BENEFIT CHART | ||||
---|---|---|---|---|
ON REIMBURSEMENT BASIS ONLY (W.E.F. APRIL, 2015) | ||||
SECTION | SUB- SECTION | DETAIL | SUB LIMIT | OVER ALL LIMIT OF SECTION |
I | Over all Limit of Hospitalization | 70,000/- | ||
A | Corrective Surgeries for existing Disability including congenital disability | 40,000/- | ||
B | Non- Surgical/ Hospitalization | 15,000/- | ||
C | Surgery to prevent further aggravation of disability | 15,000/- | ||
II | Overall Limit for Out Patient Department (OPD) | 14,500/- | ||
A | OPDtreatment including the medicines, pathology, diagnostic tests, etc. | 8,000/- | ||
B | Regular Medical checkup for non-ailing disabled | 4,000/- | ||
C | Dental Preventive Dentistry | 2,500/- | ||
III | Ongoing Therapiesto reduce impact of disability and disability related complications | 10,000/- | ||
IV | Alternative Medicine | 4,500/- | ||
V | Transportationcosts | 1,000/- | ||
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.