NORKA Pravasi Raksha Insurance Policy (NPRI): Critical Illness Care for NRKs

The NORKA Pravasi Raksha Insurance Policy (NPRI) is designed to provide critical illness care to non-resident Keralites (NRKs).

Details of Coverage:

•  • One Lakh for Critical Illness (as per schedule) upon producing a medical certificate from a Registered Medical Practitioner.
•  • Additional benefit of Accident Insurance coverage of Rs. 2 Lakhs for life and up to Rs. 1 Lakh for permanent/partial disability.

Eligibility:

•  • Residing or working abroad as a Pravasi with a valid passport and visa for a minimum of 6 months.
•  • Age range: 18-60 years
•  • Duration: One year, renewable.

Renewal:

•  • Application for renewal can be submitted within 30 days of the expiry date.
•  • Submission of copies of prescribed documents and renewal fee is required.

Critical Illnesses Covered under the Policy:

•  • Cancer
•  • Kidney failure (end stage renal failure)
•  • Primary pulmonary arterial hypertension
•  • Multiple  • sclerosis
•  • Major organ transplant
•  • Coronary artery bypass grafts
•  • Aorta graft surgery
•  • Heart valve surgery
•  • Stroke
•  • Myocardial infarction (first heart attack)
•  • Coma
•  • Total blindness
•  • Paralysis

Elevate Your Future: Embrace Membership with Kerala Pravasi Welfare Board!

Vision of the Board:

At the core of the Kerala Pravasi Welfare Board is a vision to champion the welfare of Non-Resident Keralites (NRKs), extending a helping hand to all eligible individuals through the Pravasi Welfare Fund.

Mission of the Board:

Our mission is grounded in implementing comprehensive Welfare Schemes as outlined in the Non-Resident Keralites’ Welfare Act, 2008. This includes a paramount commitment to provide monthly pensions to eligible NRKs, ensuring their sustained well-being.

About Kerala Pravasi Welfare Board:

A monumental initiative by the Government of Kerala, the Kerala Pravasi Welfare Board materialized through the Kerala Non-Resident Keralites’ Welfare Act, 2008. Serving as a beacon of support, the board has garnered over four lakhs NRK members. Even NRKs returning to India after two years of foreign employment can enroll and benefit from this robust Welfare Fund.

Membership Categories and Contributions:

•  • NRKs Working Abroad (1A): Contribute Rs. 350 per month to secure your future.
•  • NRKs Returned to Kerala (1B): Avail membership by contributing Rs. 200 per month upon your return.
•  • NRKs Working in India, Residing Outside Kerala (2A): Join by contributing Rs. 200 per month and enjoy the benefits.

Benefits of Membership:

Pension Scheme:

 • NRKs (1A, 1B, and 2A) contributing continuously up to the age of sixty become eligible for a monthly minimum pension.

 • Long-term contributors receive additional pension for every completed year of membership, ensuring a stable post-retirement life.

 • NRKs joining after the age of fifty-five but before sixty can become eligible for pension by contributing for five years.

Additional Schemes and Assistance:

Explore a host of schemes, including but not limited to:

•  • Pension scheme
•  • Family pension scheme
•  • Scheme for financial assistance to dependents of a deceased member
•  • Financial assistance for medical treatment
•  • Maternity benefit scheme for women members
•  • Assistance for the marriage of daughters of members

The monthly contribution for each category is as shown below:-