Provide Mediclaim/Health Insurance To Persons with Disabilities

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Average expenditures for health care among those with disabilities are 5 to 6 times higher and they spend much more out-of-pocket but persons with disabilities in India are denied mediclaim/health insurance facilities. Health insurance application of a person with a disability is either rejected or requires a loaded premium. Due to low rates of workforce participation, most of the persons with disabilities are not eligible for employer-based group coverage.

If you have a disability -- or your child does -- you can't be turned down for insurance* because of the disability. You may pay less for care. You may also have greater access to the treatment you need. 

It is not only discriminatory but also against the various statutory provisions to reject or deny health insurance facilities to disabled:

1. The Government of India has ratified the United Nations Convention on the Rights of Persons with Disabilities in 2007 which has been based on various principles for empowerment of persons with disabilities and one such principle is “Equality of Opportunity” (refer pg 2 of RPWD Act 2016)

2.  Section 2 . (x) of the RPWD Act 2016 defines public facilities and services as: “public facilities and services” includes all forms of delivery of services to the public at large, including housing, educational and vocational training, employment and career advancement, shopping or marketing, religious, cultural, leisure or recreational, medical, health and rehabilitation, banking, finance and insurance, communication, postal and information, access to justice, public utilities, transportation;

3. Section 3. (1) of RPWD Act, 2016 mentions that ‘The appropriate Government shall ensure that the persons with disabilities enjoy the right to equality, life with dignity and respect for his or her integrity equally with others.’

Please sign the petition and make our voices heard. We need to end this discriminatory practice and restore the rights of persons of persons with disabilities.