How to Apply for Niramaya Health Insurance for Disabled 2026

About This Guide

Niramaya Health Insurance Scheme by National Trust provides ₹1 lakh per year health cover for persons with autism, cerebral palsy, mental retardation, multiple disabilities. Premium ₹250 (BPL) or ₹500 (others). Cashless 1500+ hospitals. Special focus on disabilities not covered by general insurance.

Eligibility Criteria

• Autism, Cerebral Palsy, Mental Retardation, or Multiple Disabilities
• Disability certificate (40%+)
• Indian citizen
• Membership of National Trust registered NGO
• Age limit varies

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

• Aadhaar
• Disability certificate (UDID)
• Address proof
• BPL ration card (if BPL)
• Photo
• Bank account
• National Trust NGO membership letter

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Key Benefits

• ₹1 lakh/year health cover
• Specific disabilities focus
• Cashless at empanelled hospitals
• Affordable premium
• BPL discounted
• OPD + IPD covered
• Therapy sessions covered
• Critical for those rejected by general insurance

What Happens After Application?

Card 30-60 days. Annual renewal. Use as needed for disability-related healthcare.

Frequently Asked Questions

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