Niramaya is the National Trust's health insurance scheme for people with disabilities covered by the National Trust Act. It offers up to Rs 1 lakh in cover on a reimbursement basis, with separate limits for different expenses. Eligibility depends on the covered disability and the required disability documents. The detailed policy terms require a UDID card, allowing a UDID enrolment number with a disability certificate only for children below seven.
| Feature | Official terms |
|---|---|
| Overall cover | Up to Rs 1,00,000 |
| Payment method | Reimbursement |
| Hospitalisation section | Rs 55,000 overall |
| OPD section | Rs 19,000 overall |
| Ongoing therapies | Rs 20,000 |
| Pre insurance medical test | Not required |
Niramaya scheme eligibility and UDID documents
The National Trust's official scheme description says the scheme is available across India. Its policy terms identify four covered categories: intellectual disability, cerebral palsy, autism and multiple disability. A disability certificate for a condition outside the scheme's domain should not be treated as automatic eligibility merely because the person holds a disability identity document.
There is a significant difference in detail between the short scheme description and the official policy terms. The summary broadly mentions a UDID card or enrolment number with a disability certificate. The detailed terms restrict the enrolment-number alternative to children below seven. Families should follow that narrower document requirement and confirm their particular case with the National Trust before paying an enrolment fee.
The terms also require the beneficiary's bank account details because claims are paid into the account of the person with disability. They require a contact number belonging to the beneficiary or parent or caregiver. A registered organisation's general contact number is not normally a substitute. These details connect the application to later health card and claim communication, so accuracy at enrolment matters.
What does Niramaya insurance cover?
The Rs 1 lakh figure is an overall ceiling, not an unrestricted payment for any single bill. Within the Rs 55,000 hospitalisation section, the chart allocates Rs 40,000 for corrective surgeries for existing disability, including congenital disability, and Rs 15,000 for non surgical hospitalisation. The detailed chart has further conditions, so the description of a procedure and its admissibility must be checked against the policy.
The outpatient section has an overall limit of Rs 19,000, comprising Rs 15,000 for OPD treatment such as medicines, pathology and diagnostic tests, and Rs 4,000 for preventive dentistry. The published chart separately lists Rs 20,000 for ongoing therapies, Rs 4,000 for alternative medicine under AYUSH and Rs 2,000 for transportation. These are reimbursement limits, not annual deposits into a beneficiary's account.
The scheme page says treatment can be taken at any hospital and that no pre insurance medical test is required. The terms nevertheless apply conditions to treatment facilities, documents and admissible expenses. They also list exclusions. Having a Niramaya card therefore does not establish that every treatment, investigation or therapy will be paid. Confirm the relevant category and available limit with the claims administrator.
How to apply and check the Niramaya health card
The detailed terms list application routes through the National Trust website, National Institutes and Composite Regional Centres under the disability department, and organisations registered with the National Trust. Begin with the application link supplied on the National Trust's own website. Read the displayed requirements and current fee before proceeding; a fee copied from an older guide may no longer apply.
Under the published process, complete applications with payment are forwarded to the insurer in batches. The terms say health cards should be provided within seven working days of receipt of the information by the insurer and administrator. That is not seven working days from the moment an applicant starts a form. Check whether the application is complete and has actually reached the relevant stage.
Coverage runs from the health card issue date to 31 March as described in the terms. Bills submitted for reimbursement must relate to the period shown on the card. Check the name, disability details and coverage period when the card becomes available. The document says corrections are communicated in a monthly cycle, another reason to resolve errors before assuming a claim will proceed smoothly.
Niramaya claim documents and deadlines
The claim process requires the claim form and original supporting records, including relevant hospital bills, receipts, prescriptions and discharge documents. The terms also call for the health card copy, disability documents and beneficiary bank details as applicable. Keep the original investigation reports and films where required. A photograph of an expense alone should not be assumed to replace the original evidence.
For ongoing therapies, the scheme page requires a doctor's prescription at least once every six months, specifying the therapy category and duration. Relevant professional records and therapy bills are also needed. This is a documentation rule for reimbursement, rather than a recommendation to begin a therapy. Treatment decisions belong with the person's qualified care team.
The terms specify submission within 30 days of hospital discharge for inpatient treatment and within 30 days of the last OPD consultation for outpatient claims. They also describe a final submission window after cover expires for treatment within the insured period. Do not postpone a claim on the assumption that the financial year ending removes the normal submission requirements.
For enrolment and renewal queries, the policy PDF lists 9266866131. For claims, it lists the administrator's toll free number 1800 572 9792. Verify current contact details through the issuer before sharing documents. Limits and terms above were checked on 10 November 2026 at 21:58 IST; the scheme page warns that sub allocations may change annually.
For related background, read our UDID application guide, free legal aid eligibility guide and consumer complaint process. Each has its own eligibility and procedure; none establishes automatic approval under Niramaya.
