The Kerala State Government has launched an affordable health insurance scheme for persons with disabilities under the National Trust Act 1999. The name of the scheme is “Kerala Niramaya Health Insurance Scheme”. Through this scheme, beneficiaries can get insurance coverage of up to 1 lakh and it will be renewed every year.
Medicines for OPD treatment, facilities for pathology, diagnostic tests, etc., regular medical checkups for non-ill disabled, dental care, surgery to prevent further progression of disability, non-surgical / hospitalization, existing disability For corrective surgery, ongoing disability-related complications, treatment to reduce the effect of alternative medicine. To enroll in the scheme, the beneficiary should pay Rs 500 / – (for APL categories) and Rs 250 / – (for BPL categories) as the premium amount. To renew this premium they should pay Rs 250 / – and Rs 50 / – respectively.
Niramaya Health Insurance Form PDF
| Name of the scheme | Niramaya Health Insurance Scheme |
| State | Kerala |
| Initiated | by Kerala State Government |
| Related Departments | Kerala Social Justice Department |
| Benefits | Health insurance of 1 lakh |
| Beneficiary | State Disabled |
| Objective | To provide health care to the disabled |
| Official Website | Click Here |
| Niramaya Health Insurance Scheme Application Form PDF | Download |
Premium amount for Kerala Health Insurance Scheme
To enroll or renew the Niramaya Scheme, the beneficiary should pay an amount equal to the following-
| APL Category (Actual Premium) | Rs. 500 |
| BPL Category (Actual Premium) | Rs. 250 |
| APL Category (Renewal Premium) | Rs. 250 |
| BPL Category (Renewal Premium) | Rs. 50 |
Required Documents
The following table describes the application fee and the documents required for each category of persons with disabilities.
| Category of Divyang | Nomination Fee (Rupees) | Required Documents |
| BPL | 250 | Disability certificate (self-attested) issued by the district hospital or appropriate government authority.
BPL card |
| Non-BPL | 500 | Disability certificate (self-attested) issued by the district hospital or appropriate government authority.
proof of address |
| PwD who have legal guardians (excluding parents) | free of cost | Disability certificate (self-attested) issued by the district hospital or appropriate government authority
proof of address |
Scheme Renewal Fees and Documents
| Category of Persons with Disabilities | Renewal Fee (Rs) | Required Documents |
| BPL | 50 | Disability certificate (self-attested) issued by district hospital or appropriate government authority
BPL card |
| Non-BPL | 250 | District Hospital or Disability Certificate issued by an appropriate government authority (self-attested)
proof of address |
| PwD who have a legal guardian (excluding parents) | free | Disability issued by district hospital or appropriate government authority certificate (self-attested)
proof of address |
Download the Kerala Nirmaya Health Insurance Scheme Form PDF
If you want to download the Kerala Nirmaya Health Insurance Scheme application form, then for this you have to follow the steps given below.
- First of all, you have to go to the official website of the Kerala Social Justice Department.
- Here you have to click on the option of “Schemes” on the home page. A page will open in front of you on clicking.
- On this page, you have to click on the link to “Niramaya Health Insurance Scheme”.
- On clicking, another page will open in front of you. You will see links to application forms in the section “Documents”.
- Here you will get the links of the three forms the plan application form, the Application form for Renewal, and the Insurance Claim form.
- From here you can download the form as per your requirement. You can also download the form from the links given below.
| Niramaya Health Insurance Enrollment form | Click Here |
| Niramaya health insurance- Application for Renewal | Click Here |
| Niramaya Health Insurance Claim form | Click Here |
- After downloading the form, you will have to fill in all the information asked in the form carefully.
- After filling in all the information, you will have to attach your required document form.
- After this, you have to submit the completed filled form to the concerned department. After submitting the form, after checking your application, you will be given benefits under the scheme.
