Niramaya
निरामया
The National Trust's health insurance scheme for people with autism, cerebral palsy, intellectual disability and multiple disabilities. It covers treatment, ongoing therapies and hospital care on a reimbursement basis, with no age bar and no medical tests before joining. A UDID card for a covered disability is required, with a narrow exception for young children.
At the time of writing, September 2026, enrolment carries a yearly fee, with some categories exempt. Confirm current terms with the National Trust.
Related: Autism · Cerebral palsy · Intellectual disability
Read: Early intervention in India: DEICs, RBSK and where to find free help · National Trust schemes explained: Niramaya health insurance and legal guardianship · Is ABA covered by insurance in India? Money, schemes and your child's rights
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