Niramaya Health Insurance Scheme Kerala Disability, Application Form

Niramaya Health Insurance Scheme 2020- 21 Kerala for Disabilities, Application Form, Oriental, Claim Form, Autistic Patients)

The Kerala Niramaya Health Insurance Scheme has been initiated by social justice department in Kerala for the help of disabled persons. The insurance scheme would help the physically challenged in every district. However, application form in PDF form is made available on the site and the interested candidate can opt for it. They should visit the correct website for the same. Read further to get further idea on the entitled scheme which is a great initiative from Kerala government aiming the door families. 

Niramaya Health Insurance scheme kerala in hindi

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Niramaya Health Insurance Scheme Details

Name of the schemeKerala Niramaya Health Insurance Scheme 2020
Main aim of scheme Offer health insurance benefits to disabled in Kerala
Beneficiaries of schemeDisabled persons in Kerala 
Official website of
Scheme has been launched byKerala Social Justice department
Amount for health insuranceThe disabled would be given scheme benefit up to rupees 1 lakhs
Toll Free Number 0129 4289999, 18001801444

Niramaya Health Insurance Scheme Features

  1. Main focus of scheme launch – The main idea behind scheme launch is to offer financial assistance in the form of health insurance for physically challenged ones
  2. Target group of the scheme – The handicapped belonging to APL and BPL group would be the beneficiaries in Kerala
  3. Amount of insurance scheme – The scheme would cover up to rupees 1 lakhs for handicapped citizens of each district

Niramaya Health Insurance Scheme Scope

  • The main idea of scheme is to help disabled persons and it is as per the National Trust Act of 1999
  • Under this, OPD treatment would be offered that includes medicines, diagnostic tests, pathology assistance and the like options
  • It would also offer routine medical checkup, surgeries, therapies such that medical complications can be reduced for disabled ones

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List of premium amount in Niramaya Health Insurance scheme

Premium categoryAmount (in rupees)
BPL – actual premium250
APL – actual scheme500
BPL – renewal50
APL renewal250

In this regard, Kerala state government stated that it would invite applications from the one belonging to school, Kudumbasree, Anganwadis and the like. The state government would help in application and its renewal for the good of the poor people of the state.  

Niramaya Health Insurance Scheme Eligible

  • Residential details – As the scheme has been launched in Kerala, only the permanent residents of the state are eligible to apply for it.
  • Income details – The interested candidate need to furnish suitable income details of family when planning to avail of the scheme benefits 
  • Percentage of disability – The disabled person should produce suitable medical reports to justify their percentage of disability and their eligibility to attain the scheme benefits

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Niramaya Health Insurance Scheme Documents  

  • Income certificate – The candidate should produce suitable income certificate at the time of registration for the scheme
  • Medical reports – The medical reports and relevant documents should be scrutinized by higher authorities before the scheme benefits are offered
  • Residential proof – The proof should justify the disabled candidate as permanent native of the state to enjoy the scheme perks
  • Bank details – The bank details should be given as it would be linked with the scheme to offer the financial help through the insurance scheme
  • Identification – As suitable identification, one should produce Aadhaar card, voter ID card, ration card and equivalent to clarify the identity of the disabled person

How to Apply for Niramaya Health Insurance Scheme Kerala

The steps to download the PDF application form under the scheme are detailed below:

  1. First, interested candidate has to visit the official portal of the scheme.
  2. As the homepage shows up, you have to click on the ‘schemes’ option that would direct you to the link.
  3. Now, as the page opens, click on the ‘Niramaya Health Insurance Scheme’ link and choose the scheme given in the first number
  4. Following this, you have to click on the ‘documents’ option and then on the ‘application forms’ option
  5. This would show up the application form in PDF form with all details to be filed in correctly
  6. There are both enrolment form and application renewal form available on the site
  7. In addition, there is the scheme insurance form

However, the interested candidate can download the required form in its PDF version. They have to fill up the form with correct details and submit it to the concerned authorities. The applicant should produce the required documents while submitting the application form relevant to the scheme. Only after suitable verification of the form, applicant will get approval as a scheme beneficiary.  

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Steps to check name under beneficiary list

One has to click on the direct link that would open the Kerala Niramaya Health Insurance Scheme List.

  • For this, you have to click on the link.  
  • As the home page shows up, you have to click on the ‘target group’ section and then click on the ‘beneficiary details’
  • It will be given under the ‘differently abled’ link
  • The candidates have to click on financial year along with correct district name to find their name in the list
  • For additional information, one has to visit the link.  


Q : What is the name of the scheme ?

Ans : Kerala Niramaya Health Insurance Scheme 2020.

Q : What is the category of the scheme ?

Ans : Health insurance scheme.

Q : Who has helped in scheme launch ?

Ans : Social Justice Department, Kerala.

Q : What is the upper limit of the scheme benefits ?

Ans : Rupees 1 lakh.

Q : What is the official portal of the scheme ?

Ans :  

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