Suhit Jeevan Trust is now recognized as the only registered organization in Raigad district for Niramaya Scheme under National Trust.

Suhit Jeevan Trust is now recognized as the only registered organization in Raigad district for Niramaya Scheme under National Trust.

Recently Suhit Jeevan Trust, Pen was officially registered as the only organization in the entire Raigad District where disabled individuals can register in the Niramaya Health Insurance Scheme. 
Below are some key points and brief information about the scheme.

The National Trust is an autonomous organization of the Ministry of Social Justice and Empowerment, Government of India, set up under the “National Trust for the Welfare of Persons with Autism, Cerebral Palsy, Mental Retardation and Multiple Disabilities” Act (Act 44 of 1999).

The objectives of the National Trust in particular are:
1.    To enable and empower persons with disability to live as independently and as fully as possible within and as close to their community as possible;
2.    To facilitate the realization of equal opportunities, protection of rights and full participation of persons with disability;
3.    To extend support to its registered organizations to provide need-based services; and
4.    To evolve procedures for appointments of guardians and trustees for persons with disabilities.

Disabilities under NTA:
The National Trust works for the welfare of persons with any of the following four disabilities
•    Autism
•    Cerebral Palsy
•    Mental Retardation
•    Multiple Disabilities

About the Scheme:
1.    Affordable Health Insurance to PwDs.
2.    Health insurance cover of up to Rs. 1.0 lakh.
3.    Facility for OPD treatment including the medicines, pathology, diagnostic tests, etc, Regular Medical checkup for non-ailing disabled, Dental Preventive Dentistry, Surgery to prevent further aggravation of disability, Non- Surgical/ Hospitalization, Corrective Surgeries for existing Disability including congenital disability, Ongoing Therapies to reduce impact of disability and disability-related complications, Alternative Medicine.
4.    Transportation costs.
5.    No pre-insurance medical tests required.
6.    The scheme will be available in the entire country except for J&K. 

Scheme Description
The scheme envisages delivering comprehensive cover which will
•    Have a single premium across age band
•    Provide same coverage irrespective of the type of disability covered under the National Trust Act
•    Insurance cover upto Rs.1.0 lakh, on a reimbursement basis only.
•    All persons with disabilities under the National Trust Act with valid disability certificate will be
eligible and included.
•    No pre-insurance medical tests
•    Treatment can be taken from any hospital.

Eligibility Criteria
•    Eligibility Criteria for Registered Organisation(ROs)
All ROs of the National Trust after paying the registration fee of Rs.1000/- could get registration under the Niramaya Health Insurance Scheme of the National Trust for further enrolling the Persons with Disabilities (PwDs) under the National Trust Act.

•    Eligibility Criteria for PwD
All PwDs who have at least one of the disabilities under the National Trust Act, 1999 with valid disability certificate are eligible to apply for the scheme.

I .Enrolment Process
Enrolment of Beneficiaries
Any eligible person can apply for enrolment under the Scheme in the prescribed format given on the website and submit it to the nearest organization registered with the National Trust or to any other agencies specially entrusted in this regard by the National Trust at any time during the year. On successful enrolment and approval, Health ID No./ card will be issued to each beneficiary and then can print Ecard through the website.
There will be a nominal processing fee as determined from time to time which shall be payable to the National Trust.
Fresh enrolment may be done throughout the year through National Trust Registered Organizations.
Both the fresh enrolment and renewal will be from the enrolment date with the Insurance Company to the end of the financial year. Any beneficiary enrolled during any month of the financial year will be covered up to 31st March. The enrolment/renewal fee will be full and will be eligible to claim up to Rs.1 lakh.

Premium & other charges
The insurance company shall be selected and premium shall be decided through a transparent process. The premium amount shall be paid by the National Trust in advance to the selected Insurance Company.  
II. Enrolment Process
1.    RO to send the online application form/proposal.
2.    Fill up the Niramaya application form online and upload the scanned documents as required after verification of originals.
3.    Submit the duly filled-in form on the National Trust portal.

PwD Enrolment by RO (first approval) process
PwD enrolment process defines the steps to be followed while enrolling for Niramaya for the first time. It also details out the required information and documents at each step and timelines for various activity wherever applicable.
Any eligible person can apply for enrolment under the Scheme in the prescribed format through the nearest organization registered with the National Trust or to any other agencies specially entrusted in this regard by the National Trust at any time during the year. The PwD will be responsible for paying the application fee as applicable and the RO will be entitled to INR 40 payable by National Trust per form for processing.

STEP 1.Parents/guardian of the PwD will visit the nearest RO for Niramaya enrolment with required documents (as detailed in Step 2)
STEP 2. The RO will follow the process detailed below  for enrolment of the PwD:
•    RO to send the online application form/proposal
•    Fill up the Niramaya application form online and upload the scanned documents as required after verification of originals
•    Submit the duly filled in form on the National Trust portal
STEP 3.After the National Trust receives the application form and the documents, these are checked for completion. However, if there is any missing information or wrongly submitted information which needs to be submitted again, the RO is given 15 days’ time to submit it again.
STEP 4.On successful enrolment and approval, Health ID No. /card will be issued to each beneficiary.Communication to RO by the National Trust shall be done within 30 days on receipt of final documents.
STEP 5.Enrolment is completed the Health ID card is uploaded online and can be downloaded by the beneficiary online or through RO.
Enrolment and Renewal Fee
•    The enrolment/renewal fee is for one year i.e. upto 31st March of next year. This means, every year the renewal of policy has to be done online through www.thenationaltrust.gov.in by beneficiary or NGO and the fee has to be paid as per the applicable rate (fixed by the National trust)directly in the Bank.

Guidelines for Enrolment
•    Enrolment is being done online by all Registered Organisations. A list of Registered Organisations is available on the website.
•    The applicant is required to submit the duly filled in enrolment form to the registered NGO, along with the following documents :
•    Disability certificate issued from the District Hospital or appropriate Government authority.
•    Address Proof.
•    One Passport size photograph of the Special Need person.
•    BPL card, if applicable.
•    Income certificate (Latest IT return, or Income certificate from Tehsildar).
•    Proof of payment of application fee (Bank receipt).
•    Bank details for settlement of claims.
Documents Required for Niramaya Health Insurance Scheme:
1.    Persons Living Below Poverty Line (BPL)
•    Properly filled Enrollment Form
•    One passport size photograph of the person to be insured
•    Self-attested and valid disability certificate
•    BPL Card (both original and photocopies)
•    Address Proof (both original and photocopies)
•    Proof of payment of applicable fee (bank receipt).
2. Non-BPL
•    Properly filled Enrollment Form
•    One passport size photograph of the person to be insured
•    Self-attested and valid disability certificate
•    Address Proof (both original and photocopies)
•    Income certificate of (self-attested) the parent/guardian competent authority as issued by the State
•    Proof of payment of applicable fee (bank receipt).
3.    PwD with Legal Guardian (Other than natural parents)
•    Properly filled Enrollment Form
•    One passport size photograph of the person to be insured
•    Self-attested and valid disability certificate
•    Legal Guardian Certificate issued from the Local Level Committee constituted under section 13 of The National Trust Act, 1999
•    Address Proof (both original and photocopies)
•    Proof of payment of applicable fee (bank receipt).

Fee to be Paid for Niramaya Health Insurance Scheme: 
•    Persons living Below Poverty Line (BPL) have to pay a fee of Rs. 250
•    Non-BPL persons have to pay a fee of Rs. 500
•    PwD with Legal Guardian do not have to pay any fee.
These fees are to be paid every year.

Documents and Forms:
https://thenationaltrust.gov.in/content/scheme/niramaya.php