What do you get under Niramaya insurance?
Health cover of up to ₹1 lakh a year for persons with autism, cerebral palsy, intellectual disability or multiple disabilities, including OPD, therapy and corrective surgery, with no pre-existing condition exclusions.
Who is eligible for Niramaya insurance?
- Persons with autism, cerebral palsy, intellectual disability or multiple disabilities, of any age, with a disability certificate or UDID.
- A small yearly fee, waived or lower for BPL families.
Also check:
- Only for the four disabilities covered by the National Trust Act.
Documents needed for Niramaya insurance
0 of 4 ready
Offices may ask for more. Check the official list before you go.
How to apply for Niramaya insurance
- Enrol through a National Trust registered organisation in your area or online on the National Trust site, and renew every year.
Common questions
Who is eligible for Niramaya insurance?
Persons with autism, cerebral palsy, intellectual disability or multiple disabilities, of any age, with a disability certificate or UDID. A small yearly fee, waived or lower for BPL families.
How much do I get under Niramaya insurance?
Health cover of up to ₹1 lakh a year for persons with autism, cerebral palsy, intellectual disability or multiple disabilities, including OPD, therapy and corrective surgery, with no pre-existing condition exclusions.
What documents do I need for Niramaya insurance?
Disability certificate or UDID card; Aadhaar card (linked to your mobile number); Income certificate; Passport-size photo.
How do I apply for Niramaya insurance?
Enrol through a National Trust registered organisation in your area or online on the National Trust site, and renew every year. Official site: https://depwd.gov.in/
Do I have to pay anyone to apply for Niramaya insurance?
No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.
Official sources
Last checked 1 November 2026; next review by 1 May 2027. Rules and amounts change, so confirm on the official site before you apply. IndiaDigital is independent and not a government site.