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


Thanks to the Niramaya Health Insurance Plan, people with disabilities, such as those with autism, cerebral palsy, mental retardation, and other disabilities, can now get health insurance. The National Trust for Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation, and Multiple Disabilities is the agency that oversees this health insurance policy on behalf of the Ministry of Social Justice and Empowerment’s Department of Empowerment of Persons with Disabilities. A Niramaya Health Card, which provides coverage up to Rs. 1 lakh, is available to those who meet the eligibility requirements. For additional information about the Niramaya Health Insurance Scheme, see the article below.

Niramaya Health Insurance Scheme Name 2024 

The Niramaya Health Insurance Scheme provides moderately affordable health insurance to Indian people with disabilities (PwDs). Implementing it is the responsibility of the National Trust, a statutory body under the Ministry of Social Justice and Empowerment.


Niramaya Health Insurance Scheme Overview

Scheme Name Niramaya Health Insurance Scheme
Launched by Government of India
Objective To offer health insurance protection
Beneficiaries All PwDs with current disability certificates are eligible recipients.
Official Portal



Objectives of the Niramaya Health Insurance Scheme

Providing PwDs covered by the National Trust Act of 1999 with affordable health insurance is the aim of the Niramaya initiative. Up to Rs. 1 lakh in yearly reimbursement-based health insurance is provided by the program.

Niramaya Health Insurance Scheme Important Documents

Following are the documents required for the Niramaya Health Insurance Scheme

For Claim Process:
  • Copy of the Niramaya card or provide the number from your health ID card.
  • A self-certified copy of the certificate of disability.
  • The doctor’s original prescription documents are in their entirety.
  • All initial hospital costs, prescription drug bills, physician fees, therapy fees, conveyance expenses, etc.
  • Original reports are all used. Full beneficiary bank account information: Account Holder’s Name, Account Number; Name of Bank; Branch; (City & State).Account number for a bank.
For Enrollment Process:
  • Evidence of purchase.
  • The BPL card, if the recipient falls under the BPL category, or Below the Poverty Level.
  • Give Evidence.
  • The District Hospital or another relevant government agency issues a disability certificate (self-attested).
  • If the beneficiary falls under the APL category, a self-attested income certificate from the parent or guardian’s competent authority issued by the State applies.

Niramaya Health Insurance Scheme Benefits & Features

The Niramaya Health Insurance Scheme has the following features.

  • Benefits under this plan include health insurance up to Rs. 1 lakh. Remember that you can only have this reimbursed.
  • From anywhere in India, anyone can register for this program.
  • The facilities in this health plan are numerous.
  • Notwithstanding the kind of impairment, people are entitled to equivalent coverage under the National Trust Act.
  • OPD care, preventative dentistry, non-surgical hospital stays, surgeries to prevent disability exacerbation, treatment for congenital disabilities, ongoing treatments, alternative medicine, and more are among them.
  • These are only a few examples of the services available to disabled persons who are not ill.
  • This plan also includes coverage for transportation costs.
  • For beneficiaries to get benefits, there is no requirement for pre-insurance medical exams.

How To Apply For Niramaya Health Insurance Scheme

There is an online application needed to receive a Niramaya Health Card. Following these steps will allow you to register for a Niramaya e-card:

  • Visit, the official website.
  • When you arrive, click on the left-hand side to choose Niramaya from the “Scheme” area. It contains all of the scheme’s information.
  • Click on “Download.”
  • After going over the Niramaya Health Insurance plan’s contents, click “Download.” The Enrollment Form, the Renewal Application Form, the Claim Form, and the Raksha TPA Pvt Ltd. Center List are your four options.
  • “Download Enrollment Form” will be clicked.
  • From the list of four options, pick “Download Enrollment Form”. Ensure that you have all the information required on the form readily available.
  • Forward the completed application to the nearest RO.
  • Once completed, the RO will submit the duly filled out form on the National Trust portal and pay the application fees.

Contact Information

Please call the number listed below for additional information.



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