The Parkinson’s Protocol™ By Jodi Knapp Parkinson’s disease cannot be eliminated completely but its symptoms can be reduced, damages can be repaired and its progression can be delayed considerably by using various simple and natural things. In this eBook, a natural program to treat Parkinson’s disease is provided online. it includes 12 easy steps to repair your body and reduce the symptoms of this disease. The creator of this program has divided into four segments to cover a complete plan to treat this disease along with improving your health and life by knowing everything about this health problem. The main focus of this program is on boosting the levels of hormone in your brain by making e a few easy changes in your lifestyle, diet, and thoughts
How does Parkinson’s disease affect insurance coverage and eligibility in India?
In India, Parkinson’s disease (PD) can significantly impact insurance coverage and eligibility, especially for health insurance, life insurance, and critical illness policies. Since PD is a progressive neurological disorder, many insurers consider it a high-risk condition, leading to coverage limitations, higher premiums, or outright exclusions.
1. Health Insurance Coverage for Parkinson’s Disease
Pre-existing Condition Exclusion: Most insurers classify PD as a pre-existing disease (PED), meaning coverage is not available immediately after purchasing a policy.
Waiting Period: If a plan covers PD, there is usually a 2 to 4-year waiting period before claims can be made.
Limited Coverage: Some policies exclude neurodegenerative diseases like PD or cover only hospitalization, not medication or therapy.
Government & PSU Insurers: Public sector insurance providers (e.g., New India Assurance, Oriental Insurance) may offer some coverage under group insurance or senior citizen policies.
2. Critical Illness Insurance
Parkinson’s is often excluded: Most critical illness (CI) policies do not cover PD because it is a chronic, non-reversible condition.
Selective Coverage: A few CI policies cover advanced-stage PD, but only if the patient is diagnosed with severe disability.
3. Life Insurance and Term Plans
Higher Premiums: If a person with PD applies for life insurance, insurers may increase the premium based on the stage and severity of the disease.
Medical Check-ups Required: Many insurers require medical evaluations before approval.
Possible Rejections: In moderate to advanced stages, insurers may reject life insurance applications outright.
4. Disability & Government Support Schemes
The Rights of Persons with Disabilities Act (RPWD), 2016, recognizes Parkinson’s as a disability, allowing affected individuals to access government-sponsored health benefits.
Some state-sponsored health schemes (like Ayushman Bharat) may provide limited financial aid for PD patients.
How to Get Insurance with Parkinson’s Disease?
Look for plans with PED coverage: Some insurers provide coverage for pre-existing conditions after a waiting period.
Opt for group health insurance: Employers often provide group health insurance, which may not exclude PD.
Check senior citizen policies: Some policies for elderly individuals offer limited coverage for neurodegenerative diseases.
Consult an insurance advisor: Since coverage policies vary, a specialist can help find insurers willing to cover PD.
Conclusion
Getting insurance with Parkinson’s in India is challenging but not impossible. Early diagnosis and purchasing health or life insurance before symptoms appear can improve chances of getting coverage. Those already diagnosed should explore government programs, employer insurance, and specialized plans to manage costs.
Yes, individuals with Parkinson’s disease (PD) in India can access certain government assistance programs, particularly after the inclusion of Parkinson’s under the Rights of Persons with Disabilities (RPWD) Act, 2016. While there is no dedicated national scheme specifically for Parkinson’s, patients may benefit from disability pensions, health insurance schemes, and assistive device programs.
1. Disability Benefits under the RPWD Act, 2016
Parkinson’s is officially recognized as a disability under this law.
Individuals with 40% or more disability (as certified by a government medical board) can avail benefits such as:
Reservation in government jobs (if applicable)
Income tax deductions
Concessions in education and skill development programs
Legal protection against discrimination in employment and public services
2. Financial Assistance & Pension Schemes
Indira Gandhi National Disability Pension Scheme (IGNDPS)
Part of the National Social Assistance Program (NSAP).
Provides a monthly pension of ₹300 to ₹500 for disabled individuals below the poverty line (BPL).
Some state governments provide additional pensions, increasing the total amount.
State-Specific Disability Pensions
Some Indian states offer higher disability pensions. For example:
Delhi: ₹2,500 per month
Tamil Nadu: ₹1,500 per month
West Bengal: ₹1,000 per month
Maharashtra: ₹600–₹1,200 per month
3. Health Insurance & Medical Support
Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PM-JAY)
Covers hospitalization costs up to ₹5 lakh per family per year for economically weaker sections.
May cover Parkinson’s-related hospitalizations but not long-term medications or therapies.
Chief Minister’s Health Insurance Schemes (State-Specific)
Many states have their own free or subsidized medical insurance for lower-income groups.
Example: Tamil Nadu’s CM Comprehensive Health Insurance Scheme offers free treatment for neurological disorders.
Free or Subsidized Treatment in Government Hospitals
Patients can receive free consultations, diagnostics, and subsidized medications in AIIMS, NIMHANS, and other government hospitals.
4. Assistive Devices & Rehabilitation Support
Assistance for Disabled Persons (ADIP) Scheme
Provides free or subsidized assistive devices, including:
Walking aids
Wheelchairs
Hearing and speech therapy devices
Available for individuals with 40% or more disability and with an annual income below ₹2 lakh.
District Disability Rehabilitation Centres (DDRCs)
These centers offer physiotherapy, occupational therapy, and counseling services at low or no cost.
5. Public Transport & Tax Benefits
Railway Concessions: 75% discount for Parkinson’s patients on train fares.
Bus & Air Travel Concessions: Varies by state; some provide free or subsidized bus travel.
Income Tax Deductions: Under Section 80U of the Income Tax Act, individuals with 40% or more disability can claim tax deductions up to ₹1.25 lakh per year.
How to Apply for These Benefits?
Obtain a Disability Certificate from a government hospital.
Apply for a Unique Disability ID (UDID) via swavlambancard.gov.in.
Register with Local Social Welfare Departments to avail state-specific benefits.
Visit Government Hospitals for medical and assistive device schemes.
Conclusion
Individuals with Parkinson’s disease in India can access government pensions, subsidized healthcare, assistive devices, and tax benefits, but availability varies by state. Applying for a disability certificate and UDID card is essential to claim most benefits.
The Parkinson’s Protocol™ By Jodi Knapp Parkinson’s disease cannot be eliminated completely but its symptoms can be reduced, damages can be repaired and its progression can be delayed considerably by using various simple and natural things. In this eBook, a natural program to treat Parkinson’s disease is provided online. it includes 12 easy steps to repair your body and reduce the symptoms of this disease. The creator of this program has divided into four segments to cover a complete plan to treat this disease along with improving your health and life by knowing everything about this health problem. The main focus of this program is on boosting the levels of hormone in your brain by making e a few easy changes in your lifestyle, diet, and thoughts