NiramayaHealth Insurancefor Persons with Disabilities
A scheme by The National Trust, Ministry of Social Justice & Empowerment, Government of India — providing affordable health insurance coverage of up to ₹1,00,000 per year for persons with Autism, Cerebral Palsy, Mental Retardation, and Multiple Disabilities.
₹1 Lakh
Annual Coverage
4
Disability Types Covered
Zero
Pre-Insurance Tests
Any
Hospital in India
What is Niramaya?
Niramaya is a health insurance scheme launched by The National Trust under the Ministry of Social Justice & Empowerment, Government of India. It is specifically designed for persons with disabilities covered under the National Trust Act — including Autism Spectrum Disorder, Cerebral Palsy, Mental Retardation, and Multiple Disabilities. The scheme provides a single premium across all age bands with the same coverage regardless of disability type, making quality healthcare accessible and affordable for every family.
Up to ₹1,00,000 Cover
Comprehensive health insurance coverage of up to one lakh rupees per year for persons with disabilities.
No Pre-Insurance Tests
No medical tests required before enrolment. Anyone with a valid disability certificate can apply directly.
Any Hospital in India
Treatment can be taken from any registered hospital across the entire country — no network restrictions.
Ongoing Therapies Covered
Speech therapy, occupational therapy, physiotherapy, and other ongoing therapies are included in the coverage.
What is Covered
The Niramaya scheme covers five major sections with a combined overall limit of ₹1,00,000 per person per year. All claims are on a reimbursement basis.
Hospitalisation
Overall Limit
₹55,000
Corrective Surgeries for existing / congenital disability
Max ₹15,000 capping for corrective surgeries; remaining ₹25,000 for other hospitalisation
Non-Surgical / General Hospitalisation
Out Patient Department (OPD)
Overall Limit
₹19,000
OPD treatment including medicines, pathology & diagnostic tests
Original reports, films (MRI, X-ray, ultrasound) required for claims
Dental Preventive Dentistry
Ongoing Therapies
Overall Limit
₹20,000
Speech therapy, occupational therapy, physiotherapy, behaviour therapy & other disability-related therapies
Doctor's prescription required at least once every 6 months specifying therapy type and duration
Alternative Medicine (AYUSH)
Overall Limit
₹4,000
Ayurveda, Yoga, Unani, Siddha, Homeopathy treatments
Transportation
Overall Limit
₹2,000
Transportation costs for medical treatment
Overall Annual Coverage Limit per Person
₹1,00,000
All claims are on a reimbursement basis only. The sub-allocations above may undergo annual alteration based on the agreement between the National Trust and the Insurance Provider. Always check the latest benefit chart on the National Trust website before making a claim.
Eligibility Criteria
Niramaya is available to all persons with disabilities covered under the National Trust Act — which includes children and adults with Autism, Cerebral Palsy, Mental Retardation, and Multiple Disabilities. There is no age bar and no medical test required.
Disabilities Covered Under National Trust Act:
Autism Spectrum Disorder (ASD)
Cerebral Palsy
Mental Retardation / Intellectual Disability
Multiple Disabilities (combination of the above)
Person with disability under the National Trust Act (Autism, Cerebral Palsy, Mental Retardation, Multiple Disabilities)
Must have a valid disability certificate
Must have a UDID Card or UDID enrolment number
No age restriction — children and adults are both eligible
No pre-insurance medical examination required
Available across the entire country
How to Apply for Niramaya
The application process is entirely online. Here is how to enrol your child in the Niramaya scheme.
Check Eligibility
Ensure your child has a valid disability certificate under the National Trust Act and a UDID Card or UDID enrolment number.
Apply Online
Fill in the Niramaya application form via the link below. You can apply directly as an individual or through KLI as your registered NGO.
Pay the Premium
Pay the annual premium online through the National Trust payment portal. Premium amounts are kept minimal to ensure affordability.
Receive Your E-Card
Download your Niramaya E-Card from the portal. This card is your proof of insurance and must be presented when making claims.
Claim Reimbursement
After treatment, collect all original bills, prescriptions, and reports. Submit your claim through the dedicated helpline or portal for reimbursement.
Documents Required for Claims
All Niramaya claims are processed on a reimbursement basis — you pay for treatment first and then claim the amount back. Keep all original documents carefully after every treatment.
Dedicated Claims Helpline
040-68178569
071326135
National Trust Niramaya Claims Support
Original hospital bills and receipts
Doctor's prescription and discharge summary
Original diagnostic reports, films (MRI, X-ray, ultrasound)
Niramaya E-Card copy
Valid disability certificate / UDID Card
Bank account details for reimbursement
For therapies: Doctor's prescription (at least once every 6 months)
KLI's Role in Niramaya
As a registered organisation under the National Trust Act, Kalyani Life Institute actively supports families in accessing the Niramaya scheme. We believe every family we serve should know about and benefit from this government entitlement.
Contact KLI for GuidanceKLI is a registered organisation under the National Trust Act — we can assist families with the Niramaya application process.
Our team can guide you through the documentation required for enrolment and claims.
Therapies provided at KLI (speech, occupational, behaviour) are covered under Section III of Niramaya — we can provide the necessary prescriptions and therapy records.
We help families understand what is claimable and how to submit claims correctly to avoid rejection.
Contact our office to schedule a Niramaya guidance session — free of charge for all KLI families.
Request Niramaya Guidance from KLI
Our team will help you understand the Niramaya scheme, check your eligibility, and guide you through the application and claims process — free of charge.
Your Child Is Entitled to This Coverage
Niramaya is a government scheme — it exists to support your family. If you need help understanding the process, applying, or making a claim, KLI is here to guide you every step of the way.