What is NORKA Care Plus?

NORKA Roots introduces the next phase of the NORKA Care Project, namely NORKA Care Plus. This enhanced scheme offers greater flexibility, higher coverage limits, and improved support for the expatriate community.

Launch (Announcement)

• Officially launched on 11^th March 2026

Enrollment (Registration) Start

• Enrollment started on 12^th March 2026-12^thApril 2026(same day as launch – global registration drive began)

Scheme Implementation (Policy Start)

• Insurance coverage became active from:
  15^th April 2026

Eligibility Criteria

• Must be a Non-Resident Keralite (NRK) holding a valid NORKA Roots ID Card
• Age Limit: 18 to 80 years

Policy Details

• Group Mediclaim (GMC)-Coverage up to ₹1,00,00000
• Group Personal Accident (GPA)-Coverage up to ₹10,00,000-10000000
• The GMC policy provides coverage for:
  • Spouse (18-80)
  • Parent / Spouse’ Parent (18-80)
  • 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).

NORKA CARE PLUS – Key Highlights

1. Health Insurance (GMC) coverage up to ₹1 Crore and Personal Accident Insurance (GPA) up to ₹1 Crore are available at an affordable Enrollment fee
2. Individuals can enroll even with pre-existing diseases, without any medical check-up or health declaration.
3. Eligibility Age: 18 to 80 years.
4. Option to include parents or spouse’s parents up to 80 years of age (subject to plan selection).
5. Multiple Sum Insured options available:
   ₹5 lakh ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹50 lakh, and ₹1 crore.
   Coverage includes:
   • Self
   • Spouse
   • Up to 2 children
   • Option to include up to 3 additional children (with extra premium)
   • Parents / spouse’s parents (as per plan eligibility)
6. Existing members under NORKA Care can newly enroll in NORKA Care Plus.
7. Returning expatriates can continue the policy after returning to India, subject to applicable conditions.
8. Enrollment must be completed within the specified period; late enrollment is not permitted after the window closes.

General Benefits under NORKA Care Plus Health Insurance

• Flexible Sum Insured options from ₹5 lakh to ₹1 crore
• Option to include up to 3 additional children (0–25 years) with extra premium
• Pre-existing diseases covered
• No medical tests or health declarations required
• No co-payment applicable
• No waiting period for claims
• Pre & Post Hospitalization:
  • 30 days pre-hospitalization
  • 30 days post-hospitalization
  • Covered up to ₹5,000 per claim
• AYUSH Treatments (Ayurveda, Yoga & Naturopathy, Unani, Siddha, Homeopathy):
  Covered up to ₹50,000 per year (Reimbursement)
• Maternity: Not covered
  • However, newborn baby is covered from date of birth
• Cataract Treatment:
  Covered up to ₹30,000 per eye per year
• Hospitalization Requirement:
  Minimum 24-hour hospitalization required
  (Exception: Day-care procedures such as chemotherapy, dialysis, etc.)
• Cashless Treatment:
  Available in 688 hospitals in Kerala and 20,000+ hospitals across India
  (Reimbursement facility available where cashless is not applicable)
• LIST OF PAN INDIAN HOSPITAL
• LIST OF KERALA HOSPITALS

 Health Insurance Plan Details

Option 1 – ₹5 Lakh Sum Insured Plan

1. Applicable for:
   • Norka ID card holder  
   • Spouse
   • Up to 2 children
2. Parents / spouse’s parents are NOT covered under this plan
3. Entry Age: 18 to 70 years
4. Room Rent (including nursing charges):
   Up to ₹5,000 per day
5. ICU Charges (including nursing charges):
   Up to ₹10,000 per day

Option 2 – ₹10 Lakh to ₹1 Crore Sum Insured Plans

1. Applicable for:
   • Norka ID card holder  
   • Spouse
   • Up to 2 children
2. Parents / spouse’s parents CAN be included
3. Entry Age:
   • Member: 18 to 70 years
   • Parents: Up to 80 years
4. Room Rent (including nursing charges):
   Up to ₹10,000 per day
5. ICU Charges (including nursing charges):
   Up to ₹20,000 per day

Pre-existing Disease

Covered from Day 1 without any waiting period.

Maternity

Not covered. Any illness or treatment arising out of or related to maternity is excluded from this policy.

Baby Day 1 Cover

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

Treatment for Mental or Psychiatric Illness

Covered up to INR 25,000 on an inpatient (IPD) basis.

Ambulance Charges

Covered up to a maximum of INR 2,000 per hospitalization.

Waiting Period

NO waiting Period

Pre & Post Hospitalization Cover

30 days pre-hospitalization and 30 days post-hospitalization expenses are covered, limited to INR 5,000 per claim.

Lasik Surgery

Covered if the power exceeds ±7.5 diopters, up to INR 60,000.

Ailment Capping (Cataract)

Cataract treatment is covered up to INR 30,000 per eye, including the cost of the lens.

AYUSH Treatments

Ayurveda, Yoga & Naturopathy, Unani, Siddha & Homeopathy treatments are covered up to INR 50,000 per year.

Advanced Treatments (As per Group Mediclaim Policy Terms and Conditions)

1. Uterine Artery Embolization and HIFU – Covered up to INR 50,000 per policy period.
2. Balloon Sinuplasty – Covered up to INR 40,000 per policy period.
3. Deep Brain Stimulation – Covered up to 10% of Sum Insured, maximum INR 50,000 per policy period.
4. Oral Chemotherapy – Covered up to 25% of Sum Insured, maximum INR 50,000 per policy period.
5. Immunotherapy (Monoclonal Antibody Injection) – Covered up to 10% of Sum Insured, maximum INR 50,000 per policy period.
6. Intravitreal Injections – Covered up to 10% of Sum Insured, maximum INR 50,000 per policy period.
7. Bronchial Thermoplasty – Covered up to 10% of Sum Insured, maximum INR 1,00,000 per policy period.
8. Vaporization of the Prostrate (Green laser or Holmium laser treatment) – Covered up to 10% of Sum Insured, maximum INR 50,000 per policy period.
9. Intraoperative Neuro Monitoring (IONM) – Covered up to 10% of Sum Insured, maximum INR 50,000 per policy period.

External Congenital Ailments

Covered in case of life-threatening conditions, within the corresponding Family Floater Sum Insured, starting from INR 10 lakhs only, subject to a maximum coverage of INR 10 lakhs during the policy period.

Internal Congenital Ailments

Covered as per policy terms.

Personal Accident Insurance (GPA) – Plan Details

1. Coverage is applicable only to the Primary Member (NORKA ID Card Holder)
   (Family members are not covered under GPA)
2. Members opting for ₹5 lakh GMC plan receive:
   • ₹10 lakh GPA coverage
3. Members opting for ₹10 lakh to ₹1 crore GMC plans receive:
   • GPA coverage equal to the selected Sum Insured
4. Body Repatriation Benefit:
   • Within India: ₹25,000
   • Outside India: ₹50,000
5. Permanent Total Disability (due to accident):
   Covered up to 100% of the Sum Insured

Governing Terms & Conditions

• All other terms and conditions shall be applicable as per:
  • United India Insurance Floater Group Mediclaim Policy
  • Guidelines of the Insurance Regulatory and Development Authority of India (IRDAI)

Enrollment Fee Details

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, Payment Receipt, 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

24 x 7 Customer Care Service

Toll-Free Numbers:

1800 2022 501
1800 2022 502

For any scheme-related queries and support:

1800 2022 501
1800 2022 502

Grievance Redressal – NORKA Care Plus

Mrs. Sabeena C. M.
Chief Business Manager
The United India Insurance Co. Ltd.
BO2, Ernakulam
1st Floor, Arun Chambers, Palarivattom
Kochi, Kerala – 682025

Email: sabeena@uiic.co.in
Phone: +91 85478 76196