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Strengthening Social Security for the Diaspora: An Analysis of the NoRKA Care Plus Expansion

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The Kerala government has launched the second phase of the 'NoRKA Care Plus' insurance scheme, providing enhanced health and accident coverage for non-resident Keralites to ensure robust social protection for the state's expatriate workforce.

The launch of the second phase of the 'NoRKA Care Plus' insurance scheme on August 18, 2026, marks a significant milestone in the state's efforts to provide a comprehensive social security net for its vast expatriate population. By offering health and accident coverage of up to ₹1 crore, the initiative addresses the vulnerabilities faced by non-resident Keralites (NRKs) who often work in challenging environments abroad without adequate institutional support. This public-private partnership model is a strategic intervention by the state government to mitigate the risks associated with migration. For a state like Kerala, where remittances constitute a substantial portion of the Gross State Domestic Product (GSDP), the welfare of the diaspora is not merely a humanitarian concern but an economic imperative. The scheme serves as a mechanism to reduce the financial burden on families in the event of medical emergencies or accidental death of the primary breadwinner working overseas.

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