Quick Overview

Norka Care is a health insurance plan created specifically for Non-Resident Keralites (NRKs) living in other Indian states or abroad. The policy was launched on 22nd September 2025 by Norka Roots under the Department of Non-Resident Keralites Affairs, Government of Kerala. The plan offers ₹5 lakh medical cover(per family per year) along with an additional ₹10 lakh accidental benefit.

Looking for a simple, government-backed health cover made specifically for Non-Resident Keralites? This guide explains how Norka Care works, who can apply, what it covers, and its limits.

Note: Norka Care is underwritten by New India Assurance, and administered by Vidal Health TPA. The project is implemented through the authorised agency, Akshayadynamic Solution Pvt. Ltd.

Unsure about which health plan will align with your future needs? Book a free call or chat on WhatsApp with a Ditto advisor, and let us help you out.   

Eligibility Criteria for Norka Care Health Insurance

AspectCriteria
Entry Age Minimum is 18, and maximum is 70 years
Additional ChildBelow 25 years (up to 3 children can be added with an extra premium)
Policy Tenure1 year(Renewable)
Coverage OptionsIndividual and family floater(Spouse + 2 children)

Note: The last date to apply for Norka Care insurance was 30 November 2025. However, this deadline can change in future based on government guidelines, so it’s best to check the official Norka portal for the latest updates. For family coverage, only the primary applicant needs a NORKA ID. Family members can be added under the same.

Benefits of Norka Care Health Insurance

No Waiting Period

The policy has no waiting periods, unlike retail health plans, so coverage starts immediately.

No Co-payment

The insurer pays the full eligible claim amount without you sharing costs.

Extended Claim Window

You get up to 60 days to submit your claim after treatment. In case of a reimbursement claim, submit the required documents within 30 days of discharge.

Accidental Death Cover

Pays 100% of the sum insured, plus repatriation costs of ₹25,000 within India and ₹50,000 outside India. The benefit of accidental cover is not for the family, but only for the Norka cardholder.

What is Covered and Not Covered Under Norka Care?

CoveredNot Covered
Emergency & planned admissions (only accidental death cover is worldwide)Dental coverage (except accidental treatments on an IPD basis) and Maternity expenses
Pre-hospitalization expenses up to 30 days and post-hospitalization expenses up to 60 daysTreatment outside India is not covered under the health insurance portion
Cancer and dialysis treatment as per policy t&cParents are not covered under a family floater policy

Note: Besides the above-listed coverage, Ambulance expenses are covered up to ₹2,000 per year. Ayurvedic (AYUSH) treatment is covered up to ₹50,000 when taken on an in-patient basis with a doctor’s recommendation. Cataract surgery is covered up to ₹30,000 per eye. Room rent coverage is up to ₹5,000 per day, while ICU is up to ₹10,000 per day.

Here’s a snippet of the modern treatments covered under this policy:

Norka Care Health Insurance

 Source: Norkaroots

CTA

Norka Care Health Premiums

ProfileAnnual Premium
Family Floater₹13,411
Individual₹8,101
Additional child ₹4,130

Note: Goods and Services Tax (GST) has been removed from retail health insurance plans. The listed premiums are inclusive of 18% gst as the policy is a group health insurance plan.

Norka Care Health Insurance Hospital List

Norka Care Health includes a list of well-established and strong networks of hospitals, which include:

    • Manipal Hospitals
    • Fortis Hospitals
    • Apollo Hospitals
    • Narayana Hospitals

Take Note: The policy is backed by 12,000 empanelled hospitals nationwide, where you can seek cashless treatment with more than 500 hospitals in Kerala.

Documents Required for NORKA Care Registration

    • NRKs Residing Abroad: Must hold a valid NORKA Pravasi ID Card, passport, and visa, and have lived abroad for at least 6 months.
    • Kerala Students Abroad: Must have a valid NORKA Student ID Card.
    • NRKs in Other Indian States: Must hold a valid NRK ID Card.

How to Complete Norka Care Health Insurance Registration Online?

    • Individual Registration: You can register online at norkaroots.kerala.gov.in or through the Norka mobile app (Android and iOS).
    • Group Registration: Apply via NORKA-approved Pravasi organizations. Non-approved associations can get a temporary ID for bulk enrollment.
    • Corporate Registration: Companies employing large numbers of Malayalees abroad can use the special corporate registration facility.

Why Approach Ditto for Health Insurance?

At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Pallavi below love us:

Norka Care Health Insurance
    • No-Spam & No Salesmen
    • Rated 4.9/5 on Google Reviews by 15,000+ happy customers
    • Backed by Zerodha
    • Dedicated Claim Support Team
    • 100% Free Consultation

Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call or chat with us on WhatsApp now, slots fill up fast!

Ditto’s Take on Norka Care Health Insurance

    • Strengths: Day-1 pre-existing coverage with no waiting period or any kind of copay.
    • Constraints: ₹5L is per family per year, cannot increase SI, no add-ons/top-up, and no room caps.
    • Who it fits: NRKs without any India cover, people who travel to India for planned treatment, people with chronic conditions who want day-1 cover (but should still watch sub-limits).
    • Who Should Avoid Relying on it Alone: families wanting higher cover, maternity planners, and anyone expecting treatment abroad 

If you are looking for a health plan from established insurers, we recommend comprehensive plans without any copayment for 2026, which align with your long-term goals. Explore more about how our experts evaluate health plans through Ditto’s cut.

Note: Ditto is not affiliated with Norka Care Health Insurance in any manner. All information in this article is based on details available on Norka’s official website and other publicly available sources. We would encourage readers to check the facts discussed once with the official communication channels.

Frequently Asked Questions

How do I register for a new NORKA account?

Visit the Norka Roots website and enter your details like name, role, date of birth, gender, and mobile number. If you choose WhatsApp, you’ll receive an OTP for verification. Existing users should use Existing Member Registration. You can speed up the registration process by visiting the Norka Care health insurance apply online portal on their official website.

How do I log in to my NORKA Care account?

To access your Norka health account, visit the login page. Next, choose a login method(Norka Id, registered email or phone number) and enter your details to receive an OTP.

What is the Pravasi Health Insurance?

Besides Norka Care, Pravasi Health Insurance is another government-backed health insurance scheme by Norka Roots. The policy offers a sum of ₹1 lakh for critical illness as per terms and conditions, and an add-on benefit of Accident Insurance coverage of ₹3 lakhs for life and up to ₹1 lakh for permanent/ partial disability.

Can I claim from two policies if I already have another insurance?

Yes. You can use the cashless facility under one policy first and then claim the remaining amount as a reimbursement from the second insurer. You will need a balance transfer letter (or settlement summary) from the first insurer to file the second claim.

How can I contact Norka Care support?

You can call their toll-free number 1800-202-2501 or 1800-202-2502 or WhatsApp them at +91 93640 84960 or +91 93640 84961 (between 9 am and 6:30 pm). 

Alternatively, you can email at support.norkacare2@akshayagroup.net.in (for correction in E card) and support.norkacare3@akshayagroup.net.in (for any kind of additional requests to the existing policy).

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