Niramaya Health Insurance Scheme

Niramaya Health Insurance Scheme.


The National Trust, a statutory body of Government of India has envisaged several schemes for the welfare of persons with Autism, Cerebral Palsy, Intellectual disability and multiple disabilities.

Out of such schemes, Niramaya Health Insurance Scheme (NHIS) is one which highly helpful to the beneficiaries.

Seva Bharathi (R) Mangalore has been entrusted to receive and process the applications for the said Scheme and claims under the scheme within Dakshina Kannada District.


Assisting the Divyang of the notified category to apply and process the initial applications and also receiving/processing the claim with the Authority/Insurance Company.

Target group

Divyang of only four notified disabilities, by the Government.


Seva Bharathi building, Mangaluru.

Reach Area

Dakshina Kannada District.

Niramaya Health Insurance Scheme.

Benefits of Niramaya Health Insurance Scheme.

  • Health Insurance coverage upto lakh, on reimbursement basis.
  • No pre-insurance medical checkup of the applicant.
  • Treatment can be taken in any recognized hospitals.
  • No age restrictions and no premium.
  • One can apply/enroll to the scheme, throughout the year.
  • Applications accepted valid upto end of the March of the applied year.
  • Renewal of the application/scheme is allowed, in January/February every year.

Admission fee Structure.

Applicant category

Enrolment Fee

Renewal Fee

required Documents




Copies of disability Card, Aadhar Card, BPL Card, Photo, Bank A/C details




Copies of disability Card, Aadhar Card, Photo, Bank A/C details

Legal Guardians (Other than natural parents)



Copies of disability Card, Aadhar Card, Photo, Legal Guardianship Certificate, Bank A/C details

Break up of one lakh Insurance Coverage

A Overall Limit of Hospitalization ₹. 70000.00
1 Corrective Surgeries for existing Disability, including congenital disability ₹. 40000.00
2 Non- Surgical/ Hospitalization ₹. 15000.00
3 Surgery to prevent further aggravation of disability ₹ 15000.00
B Overall Limit for Out Patient Department (OPD) ₹. 14500.00
1 OPD treatment including the medicines, pathology, diagnostic tests etc. ₹. 8000.00
2 Regular Medical check-up for non-ailing disabled ₹. 4000.00
3 Dental Preventive Dentistry ₹. 2500.00
C Ongoing Therapy to reduce impact of disability and disability related complications ₹. 10000.00
D Alternative Medicine ₹. 4500.00
E Transportation costs ₹. 1000.00

Processes to apply and obtain NHIS Card:

  • Application form can be collected from Seva Bharathi Office at Chetana Child Development Centre, V.T Road, Mangaluru during office hours.
  • The application submitted in full shape will be forwarded to the Insurance Company, by Seva Bharathi.
  • The information on accepting/pending for want of more information will be sent by the insurance company, to the beneficiary to his registered mobile and also to Seva Bharathi.
  • Attended application submitted at Seva Bharathi will be forwarded to the Insurance Company.
  • Insurance Company is the final Authority to accept the application or otherwise, to issue the NHIS Card.
  • In case of accepting, NHIS Card will be handed over to the Applicant, by Seva Bharathi.
  • Insurance Company is the final Authority in settling the claims.

Claim Settlement Process

  • The claim with relevant documents to be submitted at Seva Bharathi Office within 7 days of treatment or discharge.
  • The claim to be attached with copies each of NHIS Card, Disability Certificate, Aadhar Card, Bank Account details. The Bank Account can be either in the name of beneficiary or jointly with parent.
  • In case of OPD, the prescriptions referred by the Consultant/doctor and bills/receipts of hospitals, Doctors, Medicine, Therapy fee, Transportation etc. are to be in originals.
  • In case of in-patient treatment, discharge summary, case sheet, Laboratory test and its’ reports, Scan, X-ray reports etc. are to be in originals.
  • In case of hospitalization, the details to be intimated immediately to Seva Bharathi, once applicant is admitted to hospital and in any way not later than the date of discharge.


The Volunteers and the staff of Seva Bharathi.

Success Story

This service started in March 2021, so far 254 applications were processed and 202 beneficiaries got NHIS card. Remaining applications are in the process of verification/issuance.


Government of Karnataka, Department of Empowerment of Differently Abled & Senior Citizens, Dakshina Kannada Zilla Panchayath Office Premises, Kottara, Mangaluru – 575 006.

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