A Health Insurance Scheme for the welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities.
In order to enable and empower persons with disability to live as independently and as fully as possible, health services and their access to persons with disabilities assume a very significant role. In this context, the health insurance facility becomes important but presently such products are not easily available for persons with disabilities. In such a situation, a health insurance scheme “Niramaya” is conceived with the following objectives.
Any eligible person can apply for enrolment under the Scheme through the nearest organization registered with the National Trust or to any other agencies specially entrusted in this regard by the National Trust. Registered organizations with National Trust should send Enrolment Form/Applications under Niramaya through online using our MIS (www.niramayascheme.com). On successful enrolment and approval, the same would be covered in the Insurance Policy. The online applications received between 1st September to 28th February would be covered from April month and applications received between 1st March to 31st August would be covered from October month.
i)Enrolment fee under the Scheme can be paid either by DD/ NEFT or cash only (not by Cheque) in National Trust (Niramaya) account.
ii) The premium for all categories is Rs.250.00 now, irrespective of income group. Hence now onwards the proof of income for BPL category beneficiaries, the BPL card of verification from RO is must.
iii) The enrolment & renewals can be done throughout the year now. The E-card will be issued in the next month of the enrolment/renewal. All such policies issued will be valid till March of the next year. The premium will be based on the prorate basis as per the below table:-
iv) The beneficiaries who could not make renewals in time, they can also enroll themselves now by clicking on “Inactive” given under renewal tab of www.niramayascheme.com. They need not to submit any new document and just have to upload the scan copy of the premium. They can search their details by just putting their name or application Id. They can also change their address if any.
v) To encourage the ROs for enrolment, the SNACs will also be paid honorarium, of Rs.10.00 per enrolment/renewal made in their state. The ROs will continue to be paid honorarium of Rs.40.00 per enrolment/renewal. (I need feedback on these rates, do you think this will help to motivate better enrolment? Please send feedback by June 12th).
vi) The honorarium to all ROs will be paid on quarterly basis.
While analysing the data we observed that there is huge potential of working in this scheme. I am enclosing herewith annexure A showing the list of persons with intellectual and developmental disabilities as per 2011 census in all the states and persons with intellectual and developmental disabilities covered in each of the states as on 30th April, 2014. The districtwise data is also available in the link http://www.niramayascheme.com/differently_able
The insurance company shall be selected and premium shall be decided through a transparent process. The premium amount shall be paid by the National Trust in advance to the selected Insurance Company.
There will be a nominal processing fee as determined from time to time which shall be payable to the National Trust.
In case of total claims exceeding the total premium amount, the Insurance Company will cover the risk up to 120% of the total premium amount i.e. the insurance company can have a stop loss at 120% of total premium amount. Similarly in case of claims falling short of total premium amount, the Insurance Company shall pay back 90% of the savings, after deducting 20% of the total premium as administrative cost.
|Niramaya Benefit Chart
The details of services with financial limits are given in Annexure - ‘A’.
Claim Form under Niramaya
All Claims for settlement under Niramaya has to be submitted to ICICI Lombard in the prescribed form alongwith relevant vouchers / bills, etc. within 30 days of treatment or discharge from hospital.....download Claim Form from the website.
ICICI Lombard General Insurance Company, Narain Manzil, 3rd floor, 23, Barakhamba Road, New Delhi – 110 001.
Toll Free Nos: 1800-209-8888, 1800-233-4505, 1800-233-1166,
Tel: 011-66310689 / 66310600, Fax No.66310636;
For claim status : www.icicilombard.com
Printing of E-Card: As a document of policy coverage, provision of printing of E-Card has been started by using Application ID No., through our website.
|NIRAMAYA - BENEFIT CHART (ON REIMBURSEMENT BASIS)|
|Detail||Limit (in Rs.)|
|OVERALL LIMIT OF HOSPITALIZATION||1,00,000|
|OVERALL LIMIT OF OUT PATIENT DEPARTMENT (OPD)||10,000|
|OPD treatment including tests||5,000|
|Regular Medical check-up for non-ailing disabled.||5,000|
|Dental Preventive Dentistry||2,500|
|Alternative Medicine (to be considered within limit of IPD or OPD).||4,500|
|Transportation costs (to be considered within limit of IPD or OPD).||1,000|
|OVERALL LIMIT OF THE COVERAGE FOR A PERSON IS : RS. 1,00,000|
|RENEWAL OF POLICY:|
However, those beneficiaries who are not able to print E-Card can also claim for reimbursement by giving their Health ID No.
|(C) Times of India Social Impact Award for Niramaya|
|The Chairperson National Trust received ‘The Times of India Social Impact Award’ for the period 2012, under Health Category in Government Sector on 28th January, 2013 in a function held in Delhi in which Hon’ble President of India was the Chief Guest.|
|(D) Free Niramaya Enrolment by Govt. of Madhya Pradesh|
|Govt. of Madhya Pradesh has decided to bear the cost of enrolment of beneficiaries under Niramaya Scheme through District Collectors of each District in Madhya Pradesh. Click here to read letter. For further details, kindly contact ‘Niramaya’ volunteer Mr. Pankaj Maru of Sneh Nagda, Madhya Pradesh (09425195626).|