The NORKA Pravasi Insurance Policy (NPRI) is a comprehensive insurance scheme designed to provide financial security to Non-Resident Keralites (NRKs) residing or working abroad. Administered by NORKA Roots, this policy offers coverage for critical illnesses and accidents, ensuring NRKs have access to essential healthcare and support during emergencies.
Leaving home for employment abroad is a courageous step towards a better future. However, it often comes with unforeseen risks—accidents, health issues, or even more tragic events. For the millions of Non-Resident Keralites (NRKs) working hard in foreign lands, financial security for themselves and their families back home is a primary concern. Recognizing this need, the Government of Kerala, through NORKA Roots, offers a vital safety net: the NORKA Insurance scheme, officially known as the Pravasi Suraksha Scheme. This initiative is designed specifically to protect the state’s overseas workforce, providing financial compensation in case of disability or death and ensuring their families are supported during difficult times.
Key Features of NPRI
1. Critical Illness Coverage
- Amount: ₹1,00,000
- Eligibility: Available upon diagnosis of specified critical illnesses, supported by a medical certificate from a registered medical practitioner.
2. Accident Insurance Coverage
- Life Coverage: ₹2,00,000
- Permanent/Partial Disability: Up to ₹1,00,000
- Eligibility: Available to policyholders in the event of an accident leading to death or disability.
3. Affordable Premium
- Annual Premium: ₹649 (inclusive of GST)
- Coverage Duration: 1 year, renewable annually
4. Online Application Process
- Convenience: Apply online through the NORKA Roots portal, streamlining the application and renewal process for NRKs.
5. Renewal Option
- Renewal Period: Within 30 days of policy expiry
- Required Documents: Updated passport and visa pages, along with a recent photograph and signature
Eligibility Criteria
- Age: 18 to 60 years
- Residency: Must be a Pravasi (NRK) residing or working abroad
- Documentation: Valid passport and visa for at least 6 months
- Health Status: Must not be suffering from any pre-existing critical illnesses at the time of application
Application Process
- Visit the NORKA Roots Portal: Navigate to the NORKA Pravasi Insurance Policy page.
- Register/Login: Create an account or log in if you already have one.
- Fill Application Form: Provide necessary personal and contact details.
- Upload Documents: Submit scanned copies of the front and address pages of your passport, visa/work permit, recent photograph, and signature.
- Pay Premium: Complete the payment of ₹649 (inclusive of GST) for the annual premium.
- Submit Application: Review all details and submit your application for processing.
Renewal Process
- Renewal Period: Apply for renewal within 30 days of policy expiry.
- Required Documents: Updated passport and visa pages, recent photograph and signature.
- Renewal Fee: ₹649 (inclusive of GST) for one year.
- Application: Submit the renewal application online through the NORKA Roots portal.
Benefits of NPRI
- Financial Security: Provides financial assistance in case of critical illness or accident.
- Peace of Mind: Ensures NRKs have access to necessary healthcare services during emergencies.
- Government Backed: Administered by NORKA Roots, a trusted Kerala Government initiative.
- Affordable Coverage: Offers comprehensive coverage at a nominal annual premium.
Contact Information
For assistance or inquiries regarding the NORKA Pravasi Insurance Policy:
Helpline (International): +91 8802 012345
Email: pravasiraksha.norka@kerala.gov.in
Helpline (India): 1800 425 3939
Conclusion
The NORKA Pravasi Insurance Policy (NPRI) is an essential safety net for Non-Resident Keralites, offering critical illness and accident coverage at an affordable premium. By providing financial support during medical emergencies, NPRI ensures that NRKs can focus on their well-being without the added stress of financial burdens. Apply today through the NORKA Roots portal and secure your health and future.
CLICK HERE: PRAVASI RAKSHA INSURANCE POLICY
CLICK HERE: NRK INSURANCE CARD
norkaroots.org
