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Saltlake DRISHTI Centre for Learning Disability    (033) 23372733 Reg.No: S/2L/58345

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NIRAMAYA MSJE

Niramaya’s Health Insurance Scheme Revised Benefit Chart (on Reimbursement Basis only w.e.f.April, 2015)
Renewal and Enrollment of beneficiaries under Niramaya is open throughout the year. Kindly contact us

About the Scheme

  1. Affordable Health Insurance to PwDs.
  2. Health insurance cover of up to Rs. 1.0 lakh.
  3. Facility for OPD treatment including the medicines, pathology, diagnostic tests, etc, Regular Medical checkup for non-ailing disabled, Dental Preventive Dentistry, Surgery to prevent further aggravation of disability, Non- Surgical/ Hospitalization, Corrective Surgeries for existing Disability including congenital disability, Ongoing Therapies to reduce impact of disability and disability related complications, Alternative Medicine.
  4. Transportation costs.
  5. No pre-insurance medical tests required.
  6. The scheme will be available in the entire country except J&K. 

Scheme Description

The scheme 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 upto Rs.1.0 lakh , on reimbursement basis only.
  • All persons with disabilities under the National Trust Act with valid disability certificate will be eligible and included.
  • No pre-insurance medical tests
  • Treatment can be taken from any hospital.
Niramaya' Health Insurance Scheme Revised Benefit Chart
On Reimbursement Basis only (w.e.f. April, 2015)
Section Sub- Section Detail Sub Limit Over all Limit of Section
I Over all Limit of Hospitalization 70,000/-
  A Corrective Surgeries for existing Disability including congenital disability 40,000/-  
  B Non- Surgical/ Hospitalization 15,000/-  
  C Surgery to prevent further aggravation of disability 15,000/-  
II Overall Limit for Out Patient Department (OPD) 14,500/-
  A OPDtreatment including the medicines, pathology, diagnostic tests, etc. 8,000/-  
  B Regular Medical checkup for non-ailing disabled 4,000/-  
  C Dental Preventive Dentistry 2,500/-  
III Ongoing Therapiesto reduce impact of disability and disability related complications 10,000/-
IV Alternative Medicine 4,500/-
V Transportationcosts 1,000/-
OVERALL LIMIT OF THE COVERAGE FOR A PERSON: Rs.1,00,000/-

The sub-allocation outlined above may undergo an annual alteration based on the agreement between the National Trust and the Insurance Provider and will be notified on the website.

Guidelines for Enrolment

Enrolment is being done online by all Registered Organisations. List of Registered Organisations is available on the website.

The applicant is required to submit the duly filled in enrolment form to the registered NGO, along with the following documents :

  1. Disability certificate issued from the District Hospital or appropriate Government authority.
  2. Address Proof.
  3. One Passport size photograph of the Special Need person.
  4. BPL card, if applicable.
  5. Income certificate (Latest IT return, or Income certificate from Tehsildar).
  6. Proof of payment of applicable fee (Bank receipt).
  7. Bank details for settlement of claims.
PwD Category Enrolment Fee (In Rs) Required Documents
Below Poverty Line(BPL) Rs. 250/-
  • Disability certificate (self attested) issued from the District Hospital or appropriate Government authority
  • BPL card
  • Address Proof
Non BPL Rs. 500/-
  • Disability certificate issued from the District Hospital or appropriate Government authority (self attested)
  • Address Proof
  • Income certificate of (self attested) the parent/guardian competent authority as issued by the State
PwD with Legal Gurdian (Other than natural parents) Free
  • Disability certificate(self attested) issued from the District Hospital or appropriate Goverment authority.
  • Legal Guardian Certificate issued from the Local Level Committee constituted under section 13 of The National Trust Act, 1999
  • Address Proof
About Drishti

Drishti was personal drive and passion of Susmita Nag. It began with serving three children for first 12 months. The name itself suggests that the mission was to address the personal life style and self dignity of all challenged children in and outside India. It is an Eternal Truth that only education can’t be the key to a healthy life for any individual.

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Contact Info
Salt Lake City, CE 182,Near City Center-I, Kolkata- 700064, West Bengal, India.
info@drishtihope.org
+91 98362 32858

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Drishti believes that it is duty of special school to guide and assist MAINSTREAMING children to participate in any public show. This will helping mass awareness and also increase their self esteem.

WHO WE ARE
WHERE WE WORK
  • Salt Lake City, CE 182,Near City Center-I, Kolkata- 700064, West Bengal, India
  • +91 98362 32858
  • (033) 23372733
  • info@drishtihope.org
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Drishti was personal drive and passion of Susmita Nag. It began with serving three children for first 12 months. It is an Eternal Truth that only education can't be the key to a healthy life for any individual.

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