How to Apply for Niramaya Insurance in Kerala (2025 Updated Guide)

✅ How to Apply for Niramaya Insurance in Kerala (2025 Updated Guide)

Niramaya Health Insurance is one of India’s most beneficial schemes for persons with disabilities (PwD), especially children with developmental conditions. This guide explains eligibility, documents, step-by-step application procedures, and how families in Kerala can complete the registration easily.

🌿 What is the Niramaya Health Insurance Scheme?

The Niramaya Health Insurance Scheme is launched by the National Trust (Government of India) offering affordable health coverage to persons with:

• Autism

• Cerebral Palsy

• Intellectual Disability

• Multiple Disabilities (as per the National Trust Act, 1999)

Coverage Highlights

• Up to ₹1 lakh annual coverage

• OPD, therapies, surgeries, hospitalisation included

• No age limit

• Reimbursement for therapies (OT, Speech, Behaviour)

• Low premium (₹250–₹500 for BPL; ₹500–₹1,000 for others)

🧒 Who is Eligible? (Kerala Applicants)

You can apply if the person:

1. Has any of the four disabilities under the National Trust Act

2. Has a disability certificate or UDID card

3. Is an Indian citizen (Kerala residents included)

📄 Documents Required (Kerala Applicants)

Prepare the following documents before starting the application:

Mandatory

✔ Disability Certificate / UDID Card✔ Aadhaar card of the beneficiary✔ Aadhaar card of parent/guardian✔ Passport size photo (recent)✔ Bank passbook (beneficiary or parent)✔ Address proof (Aadhaar / Ration card / Electricity bill)

If BPL

✔ BPL card copy✔ Income certificate (if needed)

🛂 Niramaya Application in Kerala: Step-by-Step Process (2025)

The National Trust allows applications only through Registered NGOs / Facilitating Centres (ROs).In Kerala, these include selected NGOs, therapy centres, and special schools.

🟦 STEP 1 — Check Eligibility

Confirm that the child/adult has a recognised disability under:

• Autism

• Cerebral Palsy

• Intellectual Disability

• Multiple Disabilities

🟦 STEP 2 — Choose a Registered Organisation (RO)

Niramaya applications must be submitted through an RO (Registered Organisation) listed under the National Trust.

You can find ROs in Kerala from the official National Trust website.

Typical ROs include:

• Child development centres

• Special schools

• Therapy centres

• Rehabilitation NGOs

If you want, I can also find the nearest RO in Kollam.

🟦 STEP 3 — Fill Out the Niramaya Application Form

The RO will help you fill in details like:

• Beneficiary name

• Disability category

• Address

• Aadhaar details

• Bank details

• Nominee information

The application is submitted online by the RO.

🟦 STEP 4 — Upload documents

The RO uploads the following:

• Photo

• Disability certificate / UDID

• ID proofs

• Bank details

• Address proof

🟦 STEP 5 — Pay the Premium

Annual Premium (as per last updated National Trust guidelines):

Category	Annual Premium
BPL	₹250 – ₹350
APL	₹500 – ₹1,000

Payment is usually done digitally through the RO.

🟦 STEP 6 — Wait for Approval (Usually 7–15 Days)

After document verification, the policy is activated, and the beneficiary receives the Niramaya Policy Number.

🟦 STEP 7 — Download Policy Document

You can download from the National Trust portal using the login credentials given by the RO.

This document is required for:

• Therapy reimbursements

• Medical claims

• Hospitalisation claims

💸 How to Use Niramaya Insurance in Kerala (2025)

Niramaya works on a reimbursement model.

1. Pay for therapy / consultation / treatment

2. Collect receipts + report

3. Submit claim to the RO or directly online

4. Reimbursement is credited to bank account

Covers up to ₹1 lakh annually including:

• Occupational Therapy

• Speech Therapy

• Behaviour Therapy

• Psychotherapy

• Medical consultations

• Medicines

• Lab tests

• Hospitalisation & surgery

🏥 Where to Get Services Covered Under Niramaya in Kerala?

Most therapy centres, child development centres, hospitals, and clinics are accepted.

If you want, I can also write:➡ List of Niramaya-covered therapy services➡ Sample reimbursement forms➡ How to maximise claim approval

🧾 Renewal Process (Every Year)

Renewal is mandatory.

• Renewal is done through the RO

• Only premium payment + updated documents required

• No fresh disability certificate needed

• Avoid policy lapse (renew before expiry)

📌 Common Mistakes Kerala Parents Should Avoid

❌ Uploading unclear disability certificate❌ Missing bank account number mismatch❌ Not renewing on time❌ Applying without UDID (now required in many districts)

🎯 Why Niramaya Insurance is Important for Children in Kerala

• Therapies are expensive (OT, Speech, Behaviour)

• Niramaya reduces yearly therapy burden

• Helps children access early intervention

• Supports special needs families financially

• Covers medical emergencies

📞 Need Help Applying?

I can:✔ Locate the nearest Registered Organisation (RO) in Kollam, Kerala✔ Draft a printable application guide / brochure✔ Create SEO content for your website blog