In this article, you can download the Enrollment Form, Renewal Form, and Claim Form PDF, check the eligibility criteria, explore the scheme's benefits and insurance coverage, and learn how to submit the application forms. You can also explore other Government Schemes in Kerala available for different sections of society.
Kerala Niramaya Health Insurance Scheme 2026 Overview
| Particular | Details |
| Scheme Name | Niramaya Health Insurance Scheme |
| State | Kerala |
| Department | Department of Social Justice, Government of Kerala |
| Beneficiaries | Persons with disabilities covered under the National Trust Act, 1999 |
| Insurance Coverage | Up to ₹1,00,000 per year |
| Coverage Includes | OPD treatment, hospitalization, medicines, diagnostic tests, surgeries, therapies, dental care & alternative medicine |
| Application Mode | Offline |
| Renewal | Annual |
| Premium | Paid by the Kerala Government for eligible beneficiaries |
| Official Website | https://sjd.kerala.gov.in/ |
Niramaya Health Insurance Scheme Form PDF Download
Eligible applicants can download the required application forms from the links below.| Form | Purpose | Download Link |
| Enrollment Form | New registration under the scheme | Niramaya Health Insurance Enrollment Form PDF |
| Renewal Form | Annual renewal of insurance coverage | Niramaya Health Insurance Renewal Form PDF |
| Claim Form | Claim insurance benefits | Niramaya Health Insurance Claim Form PDF |
How to Download Niramaya Health Insurance Scheme Forms
Applicants can download the Enrollment, Renewal, or Claim Form PDF by following these steps:- Visit the Kerala Social Justice Department official website: https://sjd.kerala.gov.in/index_eng.php
- Click on the Schemes menu or directly visit: https://sjd.kerala.gov.in/schemes.php
- Select Niramaya Health Insurance Scheme from the list of schemes.
- Scroll down to the Documents section.
- Click the required form to open PDF on your screen:
- Enrollment Form
- Renewal Form
- Claim Form
- Download and print the form.
- After downloading the required form, fill it carefully.
- Attach the necessary supporting documents, and
- Submit it to the concerned District Social Justice Office or Local Level Committee (LLC).
The application will be verified before enrollment, renewal, or claim processing.
What is Niramaya Health Insurance Scheme Kerala?
Niramaya Health Insurance Scheme is a health insurance programme for persons with disabilities covered under the National Trust Act, 1999. The scheme has been designed to reduce the financial burden of medical expenses by providing insurance coverage for various healthcare services, including outpatient treatment, hospitalization, surgeries, therapies, and diagnostic tests.In Kerala, the scheme is implemented through the Department of Social Justice. The State Nodal Agency Centre (SNAC) and Local Level Committees (LLCs) coordinate enrollment and renewal by collecting applications through District Social Justice Offices, schools, Anganwadis, Kudumbashree units, and other authorised institutions.
To encourage greater participation, the Government of Kerala bears the enrollment and renewal premium for eligible beneficiaries.
Niramaya Health Insurance Scheme Benefits
The scheme offers several healthcare benefits to eligible beneficiaries, including:- Health insurance coverage of up to ₹1 lakh per year.
- OPD consultation and treatment.
- Coverage for prescribed medicines.
- Pathology and diagnostic tests.
- Hospitalization expenses.
- Corrective surgeries for existing disabilities.
- Preventive surgeries to avoid further complications.
- Ongoing therapies to reduce disability-related complications.
- Preventive dental treatment.
- Coverage for alternative medicine.
- Annual renewal of insurance coverage.
What is Covered Under Niramaya Health Insurance Scheme?
The insurance coverage under the scheme includes:- Outpatient (OPD) treatment
- Medicines
- Pathology and laboratory investigations
- Diagnostic tests
- Regular medical check-ups for non-ailing persons with disabilities
- Hospitalization
- Non-surgical treatment
- Corrective surgeries
- Preventive surgeries
- Dental preventive care
- Ongoing therapies
- Alternative medicine
Kerala Niramaya Health Insurance Scheme Eligibility Criteria
Applicants should satisfy the following eligibility conditions:- Must be covered under the National Trust Act, 1999.
- Must possess the required disability certificate and supporting documents prescribed by the implementing authority.
- Must apply through the authorised Local Level Committee (LLC) or the concerned District Social Justice Office.
- Should fulfil any additional conditions notified by the implementing authority.
Kerala Niramaya Health Insurance Scheme Premium Details
The standard premium under the Niramaya Health Insurance Scheme is as follows:| Category | Enrollment Premium | Renewal Premium |
| APL | ₹500 | ₹250 |
| BPL | ₹250 | ₹50 |
However, the Government of Kerala pays both the enrollment and renewal premium for eligible beneficiaries through the Department of Social Justice. Funds are provided to the State Nodal Agency Centre (SNAC), which manages enrollment and renewal through Local Level Committees.
Documents Required for Niramaya Health Insurance Scheme
Applicants should generally keep the following documents ready while applying:- Duly filled Enrollment, Renewal, or Claim Form (as applicable)
- Aadhaar Card of PwD
- Disability Certificate
- Ration Card
- Bank Passbook
- Birth Certificate
- Passport-size Photograph
- Income Certificate (if applicable)
- Any other supporting documents required by the concerned authority
Note: The concerned authority may ask for additional documents during the verification process depending on the applicant's eligibility and category.
Important Links
| Description | Link |
| Kerala Social Justice Department | https://sjd.kerala.gov.in/index_eng.php |
| Niramaya Health Insurance Scheme Details | https://sjd.kerala.gov.in/scheme-info.php?scheme_id=NjY= |
| Social Justice Department Schemes | https://sjd.kerala.gov.in/schemes.php |
| Enrollment Form PDF | https://mis.swd.kerala.gov.in/DOCUMENTS/Downloadables/Application%20Forms/31240.pdf |
| Renewal Form PDF | https://mis.swd.kerala.gov.in/DOCUMENTS/Downloadables/Application%20Forms/31241.pdf |
| Claim Form PDF | https://mis.swd.kerala.gov.in/DOCUMENTS/Downloadables/Application%20Forms/31242.pdf |
Frequently Asked Questions (FAQs)
Q1. What is the Niramaya Health Insurance Scheme?The Niramaya Health Insurance Scheme is a health insurance programme for persons with disabilities covered under the National Trust Act, 1999. It provides annual health insurance coverage of up to ₹1 lakh for eligible beneficiaries.
Q2. Who is eligible for the Niramaya Scheme in Kerala?
Persons with disabilities covered under the National Trust Act, 1999, who satisfy the prescribed eligibility conditions can apply through the concerned Local Level Committee or District Social Justice Office.
Persons with disabilities covered under the National Trust Act, 1999, who satisfy the prescribed eligibility conditions can apply through the concerned Local Level Committee or District Social Justice Office.
Q3. How can I download the Niramaya Health Insurance Form PDF?
You can download the Enrollment Form, Renewal Form, and Claim Form PDF from the Documents section of the official Niramaya Health Insurance Scheme page on the Kerala Social Justice Department website.
Q4. Where should I submit the Niramaya Health Insurance application form?
The completed Enrollment, Renewal, or Claim Form should be submitted to the concerned District Social Justice Office or Local Level Committee (LLC) along with the required supporting documents.
Q5. What are the benefits of the Kerala Niramaya Health Insurance Scheme?
You can download the Enrollment Form, Renewal Form, and Claim Form PDF from the Documents section of the official Niramaya Health Insurance Scheme page on the Kerala Social Justice Department website.
Q4. Where should I submit the Niramaya Health Insurance application form?
The completed Enrollment, Renewal, or Claim Form should be submitted to the concerned District Social Justice Office or Local Level Committee (LLC) along with the required supporting documents.
Q5. What are the benefits of the Kerala Niramaya Health Insurance Scheme?
The scheme provides insurance coverage of up to ₹1 lakh and covers OPD treatment, medicines, hospitalization, diagnostic tests, surgeries, therapies, dental preventive care, and alternative medicine.
Q6. Does the Kerala Government pay the premium?
Yes. The Government of Kerala bears the enrollment and renewal premium for eligible beneficiaries through the Department of Social Justice.
Q7. What is the maximum insurance coverage available under the scheme?
Each eligible beneficiary can receive health insurance coverage of up to ₹1,00,000 per year.
Q8. Can the Niramaya Health Insurance Scheme be renewed every year?
Yes. The insurance is renewed annually. Eligible beneficiaries can submit the Renewal Form through the concerned authorities to continue receiving the scheme's benefits.
Q6. Does the Kerala Government pay the premium?
Yes. The Government of Kerala bears the enrollment and renewal premium for eligible beneficiaries through the Department of Social Justice.
Q7. What is the maximum insurance coverage available under the scheme?
Each eligible beneficiary can receive health insurance coverage of up to ₹1,00,000 per year.
Q8. Can the Niramaya Health Insurance Scheme be renewed every year?
Yes. The insurance is renewed annually. Eligible beneficiaries can submit the Renewal Form through the concerned authorities to continue receiving the scheme's benefits.
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