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Government updateGovernment Schemes 5 min read 12 Mar 2026
Niramaya Health Insurance — what's covered in 2026
A plain-language explanation of Niramaya coverage, eligibility, and how to enrol.
By TheraWe Support Team
Niramaya is a health insurance scheme under the National Trust that covers individuals with autism, cerebral palsy, mental retardation, and multiple disabilities. In 2026 the cover was refreshed — here's the plain-language version.
What's covered
- Regular medical check-ups and preventive dental care
- Therapy consultations (OT, ST, and behaviour therapy)
- Non-surgical corrective procedures up to the annual limit
- Transport costs to and from empanelled hospitals
Who is eligible
Anyone holding a disability certificate under the National Trust Act and registered on the Swavlamban portal. Enrolment is annual.
Wondering if this applies to your child or your situation? Our care team offers a gentle 20-minute consultation, at no cost.
Ready to take the first step?
A gentle, unhurried conversation with our care team — no obligation, no pressure.