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Nirmaya: A Great Insurance Policy for the Differently Abled


The Government of India is launching a scheme by name ‘NIRAMAYA' through which the handicapped and mentally challenged persons are covered for medical treatment upto Rs. 1 lakh.


Aam Admi Bima Yojana (AABY) is also a Government Social Security Scheme being administered through Life Insurance Corporation of India (LIC).

Nirmaya: A Great Insurance Policy for the Differently Abled

This provides life/accident insurance protection to the rural and urban poor persons and people belonging to certain identified vocational groups. One such identified vocation is "Physically Handicapped Self-Employed Persons".

Scheme & its coverage:

  • Single premium will cover across all age
  • Provide same coverage irrespective of the type of disability covered under the National Trust Act.
  • Insurance cover upto Rs.1.0 lakh per covered beneficiary.
  • The scheme will be available in the entire country except in Jammu & Kashmir.
  • The scheme further envisages that there shall be
  • For pre-existing condition, there is no exclusion
  • Same cover as that for other persons
  • Services offered are regular Medical Check-up to Hospitalization, Therapy to Corrective Surgery, Transportation.
  • Conditions requiring repetitive medical intervention as an in-patient.
  • Pre & Post hospitalization expenses, subject to limits.
  • No pre-insurance medical tests.
  • Reimbursement of claims in case of OPD services from any Qualified Medical Practitioner and for IPD treatment can be taken from a Hospital anywhere in the country.


In NIRAMAYA is a health insurance scheme and not the Life Insurance Scheme. As per the policy eligible claims will be reimbursed. In case of death of beneficiary no any claim/compensation will be payable under this scheme.

Read more about: insurance nirmaya
Story first published: Saturday, April 25, 2015, 11:01 [IST]
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