NORKA Care: Eligibility, Benefits & Registration

What is NORKA Care?

NORKA Care is a comprehensive plan that provides health and accident insurance coverage to Non-Resident Keralites. It is for people from Kerala between 18 and 70 years of age who are studying, working, or residing abroad as well as their families. It is also available for NRKs residing in other Indian states.

The scheme was inaugurated by Hon. Chief Minister Shri Pinarayi Vijayan on September 22, 2025. This health insurance policy is valid for one year and can be renewed annually. The insurance under this scheme is provided by the New India Assurance Company Ltd.

NORKA Care: Key Highlights

*The NORKA Care insurance last date for application is currently November 30, 2025. However, it is subject to change per the government guidelines.

Benefits of NORKA Care

Take a look at the key benefits of the NORKA Care plan:

• Coverage for Pre-existing Diseases from Day 1: It covers pre-existing diseases without any waiting period, providing the insured with financial protection from Day 1.
• No 30-Day Waiting Period: It does not have an initial waiting period, which is 30 days in most health insurance policies, implying early coverage for the insured.
• 60-Day Claim Submission Window: It has an extended window of 60 days to submit claims, meaning the insured can raise a claim up to 60 days after the event occurred.
• Wide Ambit of Network Hospitals: It allows the insured to receive a cashless treatment at over 14,000 hospitals across India, including more than 500 in Kerala.
• Global Coverage for Accidental Death: It provides accidental death coverage worldwide.

What is Covered Under NORKA Care?

Knowing the NORKA Care insurance details is essential to ensure a clear understanding of what the health insurance plan covers. The NORKA Care includes the following costs associated with emergency and planned medical treatments in India:

• In-patient Hospitalization: It covers hospitalization charges, including room rent, ICU, and ambulance fees.
• Pre-Hospitalization: It pays for expenses incurred on doctor visits, pharmacy, etc., up to 30 days prior to hospitalization.
• Post-Hospitalization: It covers medical expenses incurred up to 60 days after the insured is discharged from the hospital.
• Ayurvedic Treatment: It pays for in-patient hospitalization expenses incurred on Ayurvedic treatment on a doctor's advice.
• Major Medical Treatments: It covers major treatments like cataract, cancer & dialysis treatment, and organ transplant.
• Accidental Death: It provides 100% sum insured along with repatriation costs of ₹25,000 within India and ₹50,000 outside India.
• Total Permanent Disability: It provides 100% coverage for permanent total disability due to an accident.

What is the Premium for NORKA Care?

The NORKA Care health insurance plan cost is as follows:

• For an Individual Policy: ₹8,101
• For a Family Floater Policy: ₹13,411
• Additional Child (Below 25 years): ₹4,130

Eligibility of NORKA Care

If you are wondering, is NORKA Care only for Keralites? You are right. It is an exclusive, one-of-a-kind health insurance policy available only for Keralites who do not reside in the state.

Eligible individuals between the ages of 18 and 70 can sign up for NORKA Care. For a family floater health insurance plan, 2 children up to 25 years can be added. Here is who can apply for the NORKA Care Pravasi health insurance:

• NRKs residing abroad
• Kerala students studying abroad
• NRKs living in other Indian states

How to Register for NORKA Care?

Here are the two ways to register for NORKA Care:

• Individual Registration: Visit the official NORKA website or download their mobile application for NORKA Care registration online.
• Group Registration: It can be done through NORKA-approved Pravasi organizations.

Documents Required for NORKA Care Registration

Now, let us look at what documents are required for NORKA Care health plan registration.

• NRKs Residing Abroad: They must hold a valid NORKA Pravasi ID Card, visa and passport. They must be residing in a foreign country for at least 6 months.
• Kerala Students Abroad: They must have a valid NORKA Student ID Card.
• NRKs in Other Indian States: They must have a valid NRK ID Card.

NORKA Care Helpline

You can contact the following toll-free helpline numbers for assistance related to NORKA Care:

• 1800 2022 501
• 1800 2022 502

WhatsApp and Direct Calls (9 am to 6.30 pm):

• +91 93640 84960
• +91 93640 84961

In a Nutshell

The NORKA Care provides medical coverage to Non-Keralite Residents with the aim to uplift the welfare of expatriates while boosting affordable healthcare. Benefits like no initial waiting period and coverage of pre-existing diseases from Day 1 provide the insured with a comprehensive safety net for healthcare.