According to a nationwide survey conducted over a period of one and a half years by the National Centre for Promotion of Employment for Disabled People (NCPEDP), 80 per cent of persons with disabilities have no health insurance, and 53 per cent of those who apply face rejection, often without any explanation.

Unveiling its white paper titled ‘Inclusive Health Coverage for All: Disability, Discrimination and Health Insurance in India’, the report finds that persons with disabilities continue to encounter discriminatory underwriting practices, unaffordable premiums, inaccessible digital insurance platforms, and a widespread lack of awareness of available schemes.

The survey was conducted between 2023 and 2025, covering over 5,000 persons with disabilities across 34 states and union territo

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