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Health Insurance

Niramaya Health Insurance Scheme (Benefits, Coverage & Enrolment)

autism

Niramaya Health Insurance Scheme (Enrolment, Benefits and Coverage)

The Niramaya Health Insurance Scheme is a health scheme floated by The Department of Empowerment of Persons with Disabilities (Divyangjan). Under this scheme, people having disabilities like autism, mental retardation, cerebral palsy, and certain other mental disorders can avail health insurance coverage up to Rs.1 Lakh.

We will talk about some of the most important aspects of The The Niramaya Health Insurance Scheme like:

  • Benefits of the scheme
  • Scheme coverage
  • How to enroll under the scheme?
  • Who is eligible for this scheme?

Benefits of the scheme

  • The Niramaya Health Insurance Scheme provides health insurance coverage to people with mental disabilities. The importance of this cannot be underestimated as private health insurance companies generally do not extend their services to people with mental disorders. Affordable and good quality healthcare is their right also.
  • The scheme provides a health insurance coverage of Rs.1 Lakh. Although at this time of rising medical inflation, a coverage of just 1 Lakh could be considered quite less, but some coverage is better than no coverage.
  • This is a nationwide scheme.
  • Eligible people do not need to undergo any medical check-up in order to enroll under this scheme.
  • This scheme provides pre and post hospitalization coverage.

Scheme coverage

The scheme covers the following:

  • Hospitalization that results in surgery
  • Non-surgical hospitalization
  • Out Patient Treatment (OPD)
  • Medical check-up
  • Dental treatment
  • Ambulance costs
  • Alternative medicine

You should also check the limits and sub-limits of coverage below:

niramaya scheme coverage limit
Coverage limits

 

How to enroll under the scheme?

1.) Visit the official Niramaya Health Insurance Scheme online page

niramaya health insurance scheme official website
Official Niramaya Website

Choose your preferred search engine and search for the official Niramaya Scheme website. The website should look like the above image. Once on the website, click on the “Download” button.

2.) Download the enrolment form

download enrolment form
Click on “Download Enrolment Form”

Once on the download page, click on “Download Enrolment Form.”

3.) Fill-up the form and submit it

  • Download the enrolment form, read it properly, find out what kind of documents and details are required, then fill-up the form.
  • Take a hard-copy of the filled-up form and submit to your nearest registered office of The National Trust.

4.) Get your application ID

Once your documents are vetted, The National Trust will issue you an application ID. If your application is approved, you can now download your Nirmaya E-card from the online portal.

5.) Click on “Download Niramaya E-card of the beneficiary”

Download Niramaya e-card
Download Niramaya E-Card

To download your E-card, click on “Download Nirmaya E-card of the beneficiary.”

6.) Click on the “Nirmaya Card” tab

click on Niramaya Card tab
Niramaya Card Tab

 

7.) Enter your application number and download E-card

Download e-card
Enter your application ID and click on “Download”

Enter your application number and click on “Download.” If your application is approved, your Nirmaya E-card will be downloaded on your system. You can then use your E-card as and when required.

Who is eligible for this scheme?

All Persons With Disabilities (PwDs) are eligible under the Niramaya Scheme. All they have to do is fill-up the application form and pay a registration fee.

Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.

Frequently asked questions

  • What is the maximum coverage under The Niramaya Health Insurance Scheme?

    Rs.1 Lakh

  • Is OPD as well as IPD hospitalizations covered under The Niramaya Health Insurance Scheme

    Yes, both OPD as well as actual hospitalizations are covered under this scheme

  • Does this scheme provide coverage for medical check up?

    Yes, medical check ups are covered under the scheme.

  • What is the meaning of the word "Niramaya"

    Niramaya means healthy and disease free.

  • Categories
    Health Insurance

    Awaz Health Insurance Scheme (Enrollment, Benefits and Features)

    migrant worker

    Awaz Health Insurance Scheme (Enrollment, benefits and Features)

    The Awaz Health Insurance Scheme was launched in 2017 by the State Government of Kerala. This scheme was introduced with the aim of providing medical coverage to migrant workers within the Indian State of Kerala. Kerala is a state that has a considerable migrant work-force that contributes towards moving the economic needle of the State. In fact, Kerala has over 31 Lakh migrants, that consist of over 25% of the total workforce of Kerala.

    These migrant works, generally do not have a proper medical plan in place to safeguard their medical interests. The Awaz Health Insurance Scheme, introduced by the Kerala State Government, took this into consideration while launching this scheme. In fact, over 1 Lakh migrant workers in Ernakulam alone have enrolled under this scheme as of 2020.

    The Awaz Scheme provides health coverage as well as accidental coverage to migrant workers. Let us go through the benefits and features of this scheme.

    Benefits and Features of the Awaz Scheme

    • Migrant workers working in Kerala will be provided coverage of Rs 2 Lakhs in case of accidental death
    • Migrant workers will be covered up to Rs.15,000/- in case of injury or illness
    • The scheme is strictly for migrant workers and only migrant workers will be eligible to receive scheme benefits

    Awaz Scheme Eligibility and Coverage

    The following are eligible under this scheme:

    • A migrant worker working in the State of Kerala between the age of 18-60 years of age.
    • Migrant workers looking to enroll under this scheme will need to furnish their ID and address proof while applying under the scheme. They will also need to provide proof that they are working in the State of Kerala.
    • Further, they would need to get their iris and fingerprints scanned

    How to enroll under this scheme?

    Step 1 – Visit the official website

    Awaz Scheme website
    Awaz Scheme website

    Go to your preferred search engine and search for the official Awaz Scheme website by the Government of Kerala. Go to the scheme website.

    Step 2 – Click on “Downloads”

    Awaz Scheme Downloads
    Click on downloads

    Once on the website, click on the “Downloads” button.

    Step 3 – Download the application form

    download application form
    download application form

    Step 4 – Fill-up the form and submit it to your nearest Awaz Facilitation Centre

    Once you have filled-up the form and submitted the form with the proper details, submit it to your nearest Awaz Facilitation center. After scrutinizing your documents, the center will disburse your Awaz Insurance Card, which you can use at any network hospital affiliated under the scheme. The card will have all important details printed on it, including your name, DOB, nominee details, and more.

    All migrant works in Kerala should make it a point to avail the benefits under this scheme. Visit your nearest Facilitation center in case of any queries.

    Are you looking for a new insurance policy or a policy renewal? Reach out to us and let us assist you.