Author: Rebecca Manari | January 31st, 2022
You may have heard of the UDID card, Disability Certificate and the Niramaya Health card. These are all documents that help a person with disability to get certain benefits and concessions from educational institutions, public transportation, hospitals and from the government. Heard of all these so many times, but you have no clue what they are, how to get them and from where? Still confused? Well, look no further than this series that we bring you, to show a detailed comparison of some documents that you may want or need for your child.
First featured in this series is the Niramaya Health Insurance Card.
What is it?
Affordable Health Insurance to Persons with Disability. All citizens of India, with disability who have at least one of the disabilities listed under the National Trust Act, 1999 are eligible to apply for this health insurance.
Where to apply for it?
One can only apply for this insurance through an RO (Registered Organisation) such as Sethu.
What do I need before I apply?
As the registered organisation will be applying for the insurance on your child’s behalf, they may ask you to keep the following documents ready before applying:
– A disability certificate issued from the District Hospital or appropriate Government authority (self attested)
– Address Proof
– Income certificate of (self attested) the parent/guardian competent authority as issued by the State.
How much does it cost?
The Niramaya health insurance costs ₹500/- when you apply for the first time. Renewal every year costs an additional ₹250/-
What are the benefits?
Health insurance cover of up to Rs. 1.0 lakh.
Facility for OPD treatment including medicines, pathology, diagnostic tests, etc, Regular Medical checkup for non-ailing disabled, Dental Preventive Dentistry, Surgery to prevent further aggravation of disability, Non- Surgical/ Hospitalization, Corrective Surgeries for existing Disability including congenital disability, Ongoing Therapies to reduce impact of disability and disability related complications, Alternative Medicine. Transportation costs.
No pre-insurance medical tests required.
How do I access the insurance claims?
The claim form, available on the National Trust website must be filled out and submitted within 30 days from the time of the patient’s hospital admission.
Is it essential?
No, this is not an absolute essential document for every person with disability. However, if your child has a disability and doesn’t have medical insurance yet, it would be a great option to use this scheme offered by the government. It is a good idea to use this if your child also has comorbidities in addition to their disability. If your child requires medical care, health check ups and medical procedures often, this is a great way to ease some of the financial burden that comes with it.
Do you want more information about the Niramaya Health Insurance or the disability certificate for your child? Reach out to Sethu, and we can help you. Contact us on 7720013749 from Tuesday to Saturday, 9am to 5pm.