Niramaya Health Insurance


Niramaya is a social insurance scheme which was initiated to encourage health promotion of persons with special needs.  An extraordinary and fortunate aspect of this health insurance scheme is that all pre-existing health conditions are covered. The National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities, a statutory body under the Ministry of Social Justice & Empowerment, Govt. of India, implements Niramaya health insurance scheme. Enrollment is done through NGO’s and SETHU is one of the partnering NGO in Goa for this scheme.

The process of registration is simple and the basic documents required are as follows:

  1. Identity Size Photograph of the beneficiary (person with special needs)
  2. Certificate issued by Government authority mentioning either of the 4 conditions
  3. Parent’s/Guardian’s bank account details
  4. BPL card/Income Certificate if applicable
  5. Payment receipt towards the insurance

Surgeries, non-invasive procedures, alternate medicines, treatment for reducing the disabilities and even travel expenses are covered. Beneficiaries have to pay in advance & claim for the bills paid through receipts within 30 days of the treatment. The expenditure is reimbursed and the money is transferred to the parent’s/guardian’s account. Please contact the Sethu front desk on +91 (832) 6513749 for more information about this scheme.