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A new white paper by the National Centre for Promotion of Employment for Disabled People (NCPEDP) has revealed that four out of five persons with disabilities in India still lack any form of health insurance. Released in New Delhi on Thursday, the report highlights how entrenched exclusion continues despite statutory protections meant to guarantee equal access.

Deep disparities in access

The findings draw on a survey of more than 5,000 persons with disabilities across 34 states and Union Territories. More than half of all applicants — 53 per cent — said their insurance applications were rejected, many without any explanation.

“These are not isolated cases,” said Arman Ali, Executive Director of NCPEDP. “People are being denied coverage simply because they have

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