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Kerala Launches NoRKA Care
Context:
Kerala government has announced a new medical insurance scheme, NoRKA Care, to provide health cover for Non-Resident Keralites (NRKs) both in India and abroad.
About the Scheme
- The NoRKA Care scheme will be implemented in partnership with New India Assurance.
- It provides cashless medical services up to ?5 lakh at more than 17,000 hospitals across India, including 470 hospitals in Kerala.
- It also provides a personal accident insurance cover of ?10 lakh.
Target Group and Benefits 
- Aims to benefit over 7 million Keralites abroad and within India.
- Coverage includes all pre-existing diseases without waiting period.
- Premium fixed at ?13,400 for a family unit of four (2 adults + 2 children).
- Age eligibility: 18–70 years, with no age bar for dependent children.
Institutional Mechanism
- Implemented through NoRKA-Roots, the field agency of the Department of Non-Resident Keralites Affairs (NoRKA), Government of Kerala.
- Expected to strengthen affordable health care, improve welfare of expatriates, and boost medical tourism in Kerala.
- Addresses challenges in countries like UK and Canada where medical insurance is costly and involves long waiting periods.
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