NIRMAYA insurance policy for disabled | Fusion - WeRIndia

An insurance policy by the name of ‘NIRMAYA’ is being launched by the Government of India. This insurance policy can help the differently abled and the mentally challenged people get medical coverage for treatment up to Rs.1 lakh.

Here are the details regarding the scheme and its coverage.

• Single premium and it covers across all age
• Coverage is same regardless of the type of disability covered under the National Trust Act.
• Insurance cover up to Rs.1.0 lakh per covered beneficiary.
• The scheme will be available in the entire country except in Jammu & Kashmir.
• There is no exclusion for pre-existing condition.
• Those under the scheme will get services like regular Medical Check-up to Hospitalization, Therapy to Corrective Surgery, Transportation.
• Conditions requiring repetitive medical intervention as an in-patient.
• Pre & Post hospitalization expenses is subject to limits.
• No pre-insurance medical tests.
• Reimbursement of claims in case of OPD services from any Qualified Medical Practitioner and for IPD treatment can be taken from a Hospital anywhere in the country.

NIRMAYA is a health insurance scheme and is not to be considered a life insurance scheme. Eligible claims will be reimbursed based on the policy. If the beneficiary dies, then there will be no claim of compensation under this scheme as it is a health insurance scheme.

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