Niramaya: health cover built for this
Low premium, made specifically for autism, cerebral palsy, and intellectual disability.
Niramaya is a health insurance scheme run by the National Trust, built specifically for autism, cerebral palsy, intellectual disability, and multiple disabilities — conditions general health insurance often excludes or prices out of reach.
The premium is deliberately kept low, and coverage includes regular medical care as well as therapy-related expenses for the conditions it's designed around.
Enrollment goes through organisations registered with the National Trust — a good next step is checking with your nearest one about current enrollment windows and documentation.
Researched Aug 2026. General information, not legal advice. Rules and amounts change, so check with the office or the latest notification before you act.
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