Niramaya Health Insurance

What is Niramaya Health Insurance?

Niramaya is a specialized health insurance scheme launched by the National Trust under the Ministry of Social Justice and Empowerment for persons with disabilities specifically covered under the National Trust Act, 1999 — namely autism, cerebral palsy, intellectual disability, and multiple disabilities. The scheme provides comprehensive health coverage up to ₹1 lakh per year on a reimbursement basis, with NO age limit (children, adults, and senior citizens are all eligible). Niramaya covers OPD, regular medical checkups for non-ailing disabled, dental and preventive dentistry, hospitalization, corrective surgeries (including congenital disability), ongoing therapies to reduce disability impact, and AYUSH treatments. The 2026-27 policy year enrolment commenced on 1 February 2026, with e-cards available from 15 April 2026. Premium is just ₹250 per year for BPL/low-income families (income below ₹15,000/month) and ₹500 for those above this threshold. Niramaya is applied for through Registered Organisations (ROs) authorised by the National Trust.

Under this scheme, eligible beneficiaries receive ₹1 lakh/year health insurance cover (reimbursement basis) — at just ₹250–500/year premium. The scheme was launched in 2008 and is implemented by the Government of India.

Who is Eligible for Niramaya Health Insurance?

• ✓Person diagnosed with autism, cerebral palsy, intellectual disability, or multiple disabilities (National Trust Act)
• ✓Must hold a valid Disability Certificate with UDID Card or UDID enrolment number
• ✓No age limit — children, adults, and senior citizens are all eligible
• ✓Premium ₹250 for BPL/income below ₹15,000/month; ₹500 for income above ₹15,000/month
• ✓Indian citizens only (NRIs and foreign nationals not covered)

Documents Required for Niramaya Health Insurance

How to Apply for Niramaya Health Insurance Online?

1. 1Visit the National Trust website (nationaltrust.nic.in/niramaya) and download the list of Registered Organisations (ROs) in your district
2. 2Visit your nearest authorised RO with the disability certificate, UDID Card (or UDID enrolment), Aadhaar of beneficiary + guardian, and income proof
3. 3RO will fill the Niramaya application form online and upload scanned copies of all documents
4. 4Pay the annual premium — ₹250 for BPL/income below ₹15,000/month OR ₹500 for income above ₹15,000/month
5. 5RO submits the application to National Trust portal — verification and approval done online
6. 6Download the Niramaya e-card from National Trust portal (available 15 April onwards for 2026–27 enrolments)
7. 7Avail treatment at any hospital — pay bills upfront, then file claim via RO with bills and reports for reimbursement (up to ₹1 lakh/year)
8. 8Renew Niramaya policy every year — same RO, same process — to maintain continuous coverage

Frequently Asked Questions — Niramaya Health Insurance