Should Health Insurance for Disabled Individuals Be Covered Under Ayushman Bharat?
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Synopsis
In a significant call for action, the NCPEDP has urged the inclusion of health insurance for persons with disabilities in the Ayushman Bharat scheme. Addressing systemic inequities, the organization emphasizes the urgent need for comprehensive coverage to ensure equitable healthcare access.
Key Takeaways
- 80% of individuals with disabilities lack health insurance in India.
- Systemic inequities hinder access to healthcare for 16 crore disabled citizens.
- NCPEDP calls for immediate inclusion in Ayushman Bharat.
- Collaboration with IRDAI is crucial for effective solutions.
- Enhanced coverage for mental health and assistive technologies is recommended.
New Delhi, Nov 20 (NationPress) The National Centre for Promotion of Employment for Disabled People (NCPEDP) has made a passionate call for the inclusion of health insurance for individuals with disabilities in the Ayushman Bharat scheme, which is the flagship initiative of the government.
As revealed in a recently released white paper by the NCPEDP, a staggering 80% of individuals with disabilities in India are without health insurance.
The report unveils systemic injustices that deprive nearly 16 crore Indians with disabilities of fair access to both public and private health insurance.
"While the government is extending Ayushman Bharat (PM-JAY) to include all senior citizens over 70, those with disabilities remain glaringly left out, even though they encounter equal, if not greater, health challenges," stated Arman Ali, Executive Director of NCPEDP. He emphasized the necessity of integrating individuals with disabilities into Ayushman Bharat to provide them with affordable and comprehensive health insurance.
“We ensure that all our initiatives are linked with the Unique Disability ID (UDID) system,” noted Manmeet Kaur Nanda, IAS, Additional Secretary at the DEPwD, Ministry of Social Justice & Empowerment.
A nationwide survey conducted between 2023 and 2025, involving over 5,000 individuals with disabilities across 34 states and union territories, revealed that more than 50% of disability insurance applications are denied, particularly among those with autism, psychosocial disabilities, intellectual disabilities, and blood disorders like thalassemia.
Challenges such as high insurance premiums, inaccessible online platforms, and a widespread lack of awareness regarding available schemes also persist.
Nanda emphasized the need for a strong collaboration with the Insurance Regulatory and Development Authority of India (IRDAI) and the Department of Empowerment of Persons with Disabilities (DEPwD).
“While Ayushman Bharat does offer some support to individuals with disabilities, it fails to encompass the entire range of health expenditures they encounter. Universal health coverage should not merely imply free services for all, but must guarantee equitable access to quality and affordable healthcare,” added Indu Bhushan, former Chief Executive Director of Ayushman Bharat.
The white paper calls for the immediate inclusion of all individuals with disabilities under Ayushman Bharat, irrespective of age or income limitations.
Additionally, it advocates for expanded coverage for mental health, rehabilitation, and assistive technologies, along with the establishment of a dedicated Disability Inclusion Committee within the IRDAI.
Point of View
We recognize the vital importance of equitable health coverage for all citizens, particularly those with disabilities. The NCPEDP's advocacy underscores a critical gap in our healthcare system that requires immediate attention and action from policymakers. The nation stands united in calling for inclusive measures that ensure no one is left behind in accessing essential health services.
NationPress
20/11/2025
Frequently Asked Questions
Why is health insurance important for persons with disabilities?
Health insurance provides financial protection and access to necessary medical care, which is crucial for individuals with disabilities who may face higher healthcare costs.
What percentage of disabled individuals in India lack health insurance?
According to the NCPEDP, approximately 80% of persons with disabilities in India do not have health insurance.
What does the NCPEDP propose for Ayushman Bharat?
The NCPEDP urges the government to include all persons with disabilities under the Ayushman Bharat scheme, without age or income restrictions.
What systemic issues does the white paper highlight?
The white paper reveals systemic inequities that prevent equitable access to health insurance for nearly 16 crore individuals with disabilities.
How can individuals with disabilities access healthcare services?
Increasing awareness about available health insurance schemes and ensuring accessibility to insurance platforms are critical for individuals with disabilities.
