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What is NORKA Care?

NORKA Care is a comprehensive Health and Personal Accident Insurance Scheme for Non-Resident Keralites (NRKs) holding valid NORKA ID Cards and their families including students studying abroad. 

Launch (Announcement)

• Officially launched on 22 September 2025

Enrollment (Registration) Start

• Enrollment started on 22 September 2025-22 October 2025(same day as launch – global registration drive began)

Extension of Enrollment

• Deadline was extended to 30 November 2025 due to high demand

Scheme Implementation (Policy Start)

• Insurance coverage became active from:
  1 November 2025

Eligibility Criteria

• Must be a Non-Resident Keralite (NRK) holding a valid NORKA Roots ID Card
• Age Limit: 18 to 70 years

Enrollment Fee Details

• Individual + Spouse + 2 Dependent Children (GMC + GPA)
  Enrollment Fee: INR 13,411
• Individual (GMC + GPA)
  Enrollment Fee: INR 8,101
• Additional Child (per child – GMC only)
  Enrollment Fee: INR 4,130

Policy Details

• Group Mediclaim (GMC)-Coverage up to ₹5,00,000
• Group Personal Accident (GPA)-Coverage up to ₹10,00,000
• The GMC policy provides coverage for:
  • Spouse (18-70)
  • Up to two dependent children (0-25)
  • Up to three additional children(0-25)can be included by paying an extra Enrollment fee
• The GPA policy provides individual accident coverage for the Master member(NRK ID holder).

Key Benefits

• No medical check-up required
• Pre-existing diseases are covered
• Coverage starts from Day 1 (no waiting period)
• Access to services at 20000+ network hospitals-Kerala
• Access to services at 600+ network hospitals-PAN India
• Highly affordable enrollment fee compared to market rates
• Senior citizens up to 70 years are eligible for enrolment
• LIST OF PAN INDIAN HOSPITAL
• LIST OF KERALA HOSPITALS

Policy Conditions (Detailed)

🏥 Room & ICU Charges

• Room Rent: Maximum up to ₹5,000 per day, inclusive of nursing charges
• ICU Charges: Maximum up to ₹10,000 per day, inclusive of nursing charges
• Proportionate Deduction Clause:
  If the insured opts for a room category higher than the eligible limit, proportionate deductions shall apply to all associated medical expenses.

Coverage Waiting Period

• Covered from Day 1 (No waiting period applicable)

Exclusions

• Maternity Expenses:
  Any illness or treatment arising out of or related to maternity is not covered under this policy.

Newborn Coverage

• Covered from Day 1, provided the newborn is admitted separately from the maternity admission.

Sub-Limits & Benefits

• Specific Treatment Cover (IPD Basis):
  Covered up to ₹25,000
• Hospitalization Expenses (Miscellaneous):
  Maximum ₹2,000 per hospitalization
• Waiting Periods / Certain Charges:
  Waived off

Pre & Post Hospitalization

• Pre-Hospitalization: 30 days
• Post-Hospitalization: 60 days
• Limit: Up to ₹5,000 per claim

 Additional Covers

• Spectacles / Vision Correction:
  Covered if power exceeds ±7.5D, up to ₹60,000
• Cataract Treatment:
  Covered up to ₹30,000 per eye, including lens cost
• AYUSH Treatment:
  Covered up to ₹50,000 (Reimbursement)

Modern Treatment Coverage

The following advanced procedures are covered subject to limits:

1. Uterine Artery Embolization / HIFU
   • Up to 20% of Sum Insured, max ₹2,00,000
2. Balloon Sinuplasty
   • Up to 20% of Sum Insured, max ₹2,00,000
3. Deep Brain Stimulation
   • Up to 50% of Sum Insured
4. Oral Chemotherapy
   • Up to 10% of Sum Insured, max ₹1,00,000
5. Immunotherapy (Monoclonal Antibody Injections)
   • Up to 25% of Sum Insured, max ₹2,00,000
6. Intravitreal Injections
   • Up to 10% of Sum Insured, max ₹75,000
7. Robotic Surgeries
   • Up to 50% of Sum Insured
8. Stereotactic Radiosurgery
   • Up to 50% of Sum Insured
9. Bronchial Thermoplasty
   • Up to 50% of Sum Insured, max ₹2,50,000
10. Prostate Vaporization (Laser Treatment)

• Up to 50% of Sum Insured, max ₹2,50,000

11. IONM (Intraoperative Neuro Monitoring)

• Up to 10% of Sum Insured, max ₹50,000

12. Stem Cell Therapy

• Hematopoietic stem cell transplant for haematological conditions
• Up to 50% of Sum Insured, max ₹2,50,000

General Coverage

• All admissible medical expenses are covered as per policy terms

Governing Terms & Conditions

• All other terms and conditions shall be applicable as per:

New India Flexi Floater Group Mediclaim Policy (https://www.newindia.co.in)

• Guidelines of the Insurance Regulatory and Development Authority of India (IRDAI)

How to Avail Claims under NORKA Care Plus

Cashless Treatment Procedure

1. At the time of hospital admission, submit the E-Card and a valid Government Photo ID at the hospital’s Insurance Desk.
2. The hospital Insurance Desk will notify the TPA (Third Party Administrator) and upload the required admission documents on the TPA portal to obtain cashless authorization.
3. The TPA will verify the submitted documents and grant approval for cashless treatment.
4. All claim-related updates, from admission until discharge, will be available in real time through the mobile application.
5. On the day of discharge, beneficiaries can view the submitted documents and approved claim amount via the mobile application.
6. In case of delays by the hospital in submitting documents, the beneficiary may contact the Toll-Free Number: 1800 2022 501 for assistance and timely discharge

Reimbursement Claim Procedure

1. In emergency situations where treatment is taken at a hospital not empanelled for cashless service, claims can be processed under the reimbursement facility.
2. Download the Reimbursement Claim Form from the mobile application.
3. Complete the form at the hospital Insurance Desk and obtain the doctor’s signature and hospital seal.
4. Collect all original documents, including:
   • Hospital bills
   • Medical reports
   • Payment receipts
   • Discharge summary
5. Submit the completed claim form along with all original documents, including:
   • Cancelled cheque of the NORKA ID card holder
   • Patient’s Photo ID proof

These must be sent to the address mentioned on the second page of the E-Card via courier or post.
(It is advisable to retain copies of all submitted documents for future reference.)

6. Claim status can be tracked through the mobile application. For assistance, beneficiaries may call the Toll-Free Number: 1800 2022 501.
7. Toll-free support is available 24 hours a day.
8. Reimbursement claims must be submitted within 30 days from the date of discharge, failing which the claim may not be considered.

Services Available Through the Mobile Application

1. Users can download the E-Card, and Reimbursement Claim Form.
2. Users can view the state-wise and city-wise list of cashless network hospitals.
3. Users can check the real-time status of submitted claims.
4. Users can access details related to claim queries and correspondence.
5. Users can track the payment status of reimbursement claims.

Policyholder Grievances under the NORKA CARE Scheme

Dr. Athira V.G.
Administrative Officer (Health)
The New India Assurance Co. Ltd.
Ernakulam KBO II, 1^st Floor, Kandamkulathy Towers
M.G. Road, Ernakulam
Email: athira.vg@newindia.co.in
Ph: 9995277186

Copy to:

1. Mr. Anish Raj A
   Chief Business Manager
   Email: anish.raj@newindia.co.in
2. Mr. Bibin K B
   Key Accounts Manager
   Email: bibin.kb@newindia.co.in