NORKA Care Insurance is a pioneering government-backed health and accident insurance scheme designed for Non-Resident Keralites (NRKs). Implemented by NORKA Roots, this insurance ensures NRKs and their families receive financial security, medical support, and accident coverage, both in India and abroad. Launched in September 2025 and effective from November 1, 2025, the scheme emphasizes ease of access, affordability, and comprehensive protection.
NORKA Care Insurance
| Feature | Details |
| Scheme Name | NORKA Care Insurance (NPRI) |
| Target Beneficiaries | Non-Resident Keralites (NRKs) and their families |
| Coverage Type | Health and life insurance coverage |
| Premium | Varies based on plan; check official NORKA portal |
| Enrollment | Online through NORKA NPRI portal |
| Claim Process | Submit claim forms and required documents to NORKA or insurance partner |
| Validity | Annual; renewable |
| Support | 24×7 NORKA Global Contact Centre: 1800 425 3939 (India), +91 8802 012345 (International) |
| mail.norka@kerala.gov.in | |
| Official Website | https://www.norkaroots.in |
What is NORKA Care Insurance?
NORKA Care Insurance is a specialized policy for Keralites living outside Kerala or abroad. The scheme provides medical and accident coverage to ensure financial security for NRKs, students studying overseas, and their families residing in India. This initiative highlights the government’s commitment to the welfare of expatriates and their families.
Coverage Details
| Coverage Type | Details |
|---|---|
| Medical Insurance | ₹5 lakh coverage for hospitalization and medical treatment. |
| Accident Insurance | ₹10 lakh coverage in case of accidental death. |
| Cashless Treatment | Available at 16,000+ hospitals in India, including 500+ hospitals in Kerala. |
| Repatriation Aid | Financial assistance for transporting the deceased person’s body. |
| No Waiting Period | Coverage starts from policy issuance, including pre-existing illnesses. |
| Consistent Premium | Premium does not increase with age for individuals between 18–70 years. |
Eligibility Criteria
- Any NRK with a valid NORKA ID card.
- Students from Kerala studying abroad.
- Age limit for enrolment: 18 to 70 years.
Premium Structure
| Plan Type | Annual Premium |
|---|---|
| Individual Plan | ₹8,101 |
| Family Plan (Husband, Wife, 2 children <25 yrs) | ₹13,411 |
| Additional Child | ₹4,130 per child |
Note: Premium rates are consistent and do not increase with age within the eligible range.
How to Apply
NRKs can register for NORKA Care Insurance using multiple convenient methods:
- NORKA Roots Website – Official portal for online registration.
- NORKA Care Mobile App – Downloadable application for easy enrolment.
- Registered Associations – Bulk enrolment available for NRK groups.
Registration period for 2025: September 22 – October 22.
Advantages of NORKA Care Insurance
- Comprehensive Coverage – Medical and accident benefits for NRKs and families.
- Cashless Treatment – Over 16,000 hospitals in India offer cashless services.
- No Age-Based Premium Increase – Affordable premiums regardless of age.
- Financial Security – Repatriation assistance and accident protection for NRKs.
Limitations / Considerations
- Only available to NRKs and students abroad.
- Age restriction: 18–70 years.
- Premium increases for additional dependents beyond the standard family plan.
- Coverage primarily limited to India; international treatment may not be included.
Future Prospects
- Expansion of hospital network across India and potentially abroad.
- Possible integration with other NRK welfare schemes for broader coverage.
- Introduction of additional benefits like maternity coverage or critical illness protection.
FAQs
Q1: Who is eligible for NORKA Care Insurance?
A: Non-Resident Keralites (NRKs) with a valid NORKA ID and students from Kerala studying abroad are eligible.
Q2: Is there a waiting period for pre-existing conditions?
A: No, coverage begins immediately from the policy start date, including pre-existing illnesses.
Q3: What is the annual premium for individual and family plans?
A: Individual plan – ₹8,101; Family plan (husband, wife, 2 children under 25) – ₹13,411; additional children – ₹4,130 each.
Q4: Does the policy provide cashless treatment?
A: Yes, cashless treatment is available at over 16,000 hospitals in India, including more than 500 hospitals in Kerala.
Q5: What coverage does NORKA Care provide for accidents?
A: ₹10 lakh coverage is provided in case of accidental death.
Q6: Can NRKs living abroad enroll their families in India?
A: Yes, family members residing in India are covered under the policy.
Q7: How can I apply for NORKA Care Insurance?
A: Applications can be made via the NORKA Roots website, NORKA Care mobile app, or through registered associations.
Q8: Is there an age limit for enrolment?
A: Yes, the policy is available for individuals aged 18–70 years.
Q9: Does the premium increase with age?
A: No, the premium remains consistent for individuals within the eligible age range.
Q10: What additional benefits are included?
A: Repatriation assistance for deceased members and extensive medical and accident coverage.
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