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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.

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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.

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