Niramaya Health Cards

NIRAMAYA is Health Insurance Scheme for the welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities as listed in the National Trust Act.


In order to enable and empower persons with disability to live as independently and as fully as possible, health services and their access to persons with disabilities assume a very significant role. In this context, the health insurance facility becomes important but presently such products are not easily available for persons with disabilities. In such a situation, a health insurance project “NIRAMAYA” is conceived with the following objectives

  • To provide affordable Health Insurance to persons with Autism, Cerebral Palsy, Mental Retardation & Multiple Disabilities

  • To encourage health services seeking behaviour among persons with disability

  • To improve the general health condition & quality of life of persons with disability

Niramaya & Its Coverage

This project 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 up to Rs. 1.0 lakh  and all persons with disabilities (NT Act) will be eligible and included and there will be no ‘selection’

The scheme further envisages that there shall be

  • No exclusion of Pre-existing condition

  • Same cover as that for other persons

  • Services ranging from regular Medical Checkup to Hospitalization, Therapy to Corrective Surgery, Transportation

  • Conditions requiring repetitive medical intervention as an in-patient

  • Pre & Post hospitalization expenses, subject to limits

  • No pre-insurance medical tests

  • Cashless hospitalization in empanelled hospitals, reimbursement of claims in case of OPD services and treatment through non-empanelled hospitals. 

Premium for enrolment:

  • Rs. NIL for Below Poverty Level (BPL)

  • Rs. 250/- whose monthly income is up to Rs.15, 000/-

  • Rs. 500/- whose monthly income is above Rs. 15,000/-

  • Payment should be made in the National Trust Account No: ………….at any Branch of State Bank of India or Account No: …….. at any Branch of Corporation Bank.

Documents required:

Submit the following documents along with the application:

  • Disability Certificate (Xerox copy)

  • Photo (passport size)

  • Residence Proof (Xerox copy)

  • Income Certificate (Xerox copy) &

  • Payment voucher

Enrollment of Beneficiaries - Manochetana

Any eligible person can apply for enrolment under the Scheme and submit it to the Manochetana organization which is registered with the National Trust. On successful enrolment and approval, health card will be issued to each beneficiary.

Under this project health services will be provided by a network of hospitals, nursing homes which will be duly empanelled for the scheme.  So far more than 1000 enrollments were done by Manochetana. This process has created significant impacts as: 

  • Parents and Beneficiary are very happy and the needy are availing the benefit

  • Stakeholders got motivated

  • More and more are registering under this scheme.


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