• Health insurance coverage: Up to ₹1,00,000/- for various expenses.
• Outpatient department (OPD) treatment: Covers medicines, pathology, diagnostic tests, etc.
• Regular medical checkups: For non-ailing individuals with disabilities.
• Dental care: Preventive dentistry services.
• Surgery: To prevent further disability worsening or for existing disabilities (including congenital).
• Non-surgical/hospitalization: Coverage for non-surgical treatments and related stays.
• Ongoing therapies: For managing disability and related complications.
• Alternative medicine: Coverage for alternative treatment options.
• Transportation costs: Reimbursement for transportation related to medical care.

• All the disable person who have at least one of the disabilities under the National Trust Act, 1999 with valid disability certificate.

• The scheme will be available in the entire country except J&K. The scheme further envisages that there shall be.

Enrollment Process:

• For BPL (Enrolment Fee - ₹250/-)

1. Disability certificate (Self attested) issued from the District Hospital or appropriate Government authority BPL card
2. Address Proof
3. Proof of payment.

• For APL (if family income up to ₹ 15,000/- Per Month) (Enrolment Fee - ₹250/-)

1. Disability certificate issued from the District
2. Hospital or appropriate Government authority (Self attested)
3. Address Proof
4. Proof of payment
5. Income certificate of (Self attested) the parent/ guardian competent authority as issued by the State.

• For APL (if family income above ₹15,000/- Per Month) (Enrolment Fee - ₹550/-)

1. Disability certificate (Self attested) issued
2. by the competent authority as issued by the
3. State
4. Address Proof
5. Proof of payment.

For Renewal:

• For BPL:

1. BPL card.
2. Address Proof (in case of change of address).

• For APL (if family income up to ₹ 15,000/- Per Month) (Renewal Fee - ₹250/-)

1. Address Proof (in case of change of address)
2. Income certificate (self attested) of the parent/ guardian competent authority as issued by the State
3. Proof of payment.

• For APL (if family income above ₹15,000/- Per Month) (Renewal Fee - ₹500/-)

1. Proof of payment
2. Address proof (in case of change of address).

For Claim Process:

1. Copy of Niramaya card or mention Health ID Card number.
2. Self-attested copy of Disability Certificate.
3. All original prescription papers given by the doctor.
4. All original bills of Hospital / Medicine / Doctor fee / Therapy fee / Conveyance etc.
5. All reports in original.
6. Complete bank details of Beneficiary :
• Name of Account Holder.
• Account No. / Bank Name / Branch / (City & State).
• Bank account IFSC Code.