Archive · 21 Nov 2025
India's Disability Insurance Gap: 80% Uninsured, Barriers to Access
A new report shows that most people with disabilities in India don't have health insurance.
Many were turned away when they tried to get it.
The government and insurance companies should make it easier for people with disabilities to get health coverage.
80% of respondents with disabilities had no health insurance
53% of applicants were rejected, often due to disability or pre-existing conditions
Barriers include unaffordable premiums, inaccessible digital platforms, and lack of awareness
Government and insurers urged to improve accessibility and coverage
NCPEDP white paper calls for inclusion of all persons with disabilities under Ayushman Bharat
- Who
- Indians with disabilities
- What
- Lack health insurance
- When
- Currently
- Where
- India
- Why
- Due to systemic inequities, unaffordable premiums, inaccessible platforms, and lack of awareness
Disability Rights Advocates
Insurance Companies
Accessibility
Disability Rights Advocates
Advocates call for affordable premiums, accessible platforms, and awareness programs
Insurance Companies
Companies cite unaffordable premiums and inaccessible platforms as barriers
- Total respondents
- Over 5,000
- States/UTs covered
- 34
- Uninsured percentage
- 80%
- Rejection rate
- 53%
- Report title
- Inclusive Health Coverage for All: Disability, Discrimination and Health Insurance in India
- Launching organization
- National Centre for Promotion of Employment for Disabled People (NCPEDP)
