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Does insurance cover Mental Health

Does insurance cover mental health

IRDAI has instructed insurance companies to deal with mental health under insurance policy and due process. The epidemic has brought a lot of relief and the most affected sector will be health care infrastructure. Apart from personal well-being that was also highlighted during the epidemic when we all lived alone away from the world was the importance of mental health.

Mental health is one of the biggest problems and every day we meet people who may suffer from one of the mental health problems but still, there is almost no talking about this. It was noted in the study that about 1 in 20 Indians suffered from some form of mental illness. This is not hard to predict why home stays could possibly increase by 2020.

Also, in these difficult times most of us have seen the importance of health insurance policy more than ever, because it helps you cover financially in case of emergencies.

IRDAI removes mental illness cover

Does insurance cover mental health

Not so long ago it was a time when mental health was often transformed as part of humanity and no one was willing to talk about it. Now that more people are out people are talking about it but the thinking is not over. People still underestimate the issue of mental health as an insignificant problem and the mentally ill person being unwelcome in society. This is also due to the lack of education on mental health. As individuals we do not know how to deal with it personally or personally.

Recognizing the change in the Insurance Regulatory and Development Authority of India has instructed all insurance companies to treat mental health equally as any other physical illness and to cover themselves under the health insurance policy. IRDAI also passed regulations regarding mental illness, stress, mental disorders and emotional disorders.

Benefits under this inclusion

It is covered under the Mental Health Care Act of 2017 and insurers must comply with it. According to this practice, any person with a mental, emotional, visual, memory deficit disorder, decision-making ability will be able to detect mental illness.

The benefits are similar to standard insurance coverage that includes non-refundable treatment, pre- and post-hospital coverage depending on the policy you choose. However, it is important to know what can be included. This action does not involve a mental disability and therefore any claim regarding mental retardation will be rejected by the insurer.

Types of Mental Illness that require immediate hospitalization


It is a serious brain disorder that affects basic functions such as communication, vision and other functions.

Anxiety Problems

The disease can take many forms and can be caused by stress or fear. Symptoms may include panic attacks, nightmares, headaches etc.


This is classified as a cognitive impairment that affects brain function skills.

Now that you have read and understood the importance of having health insurance in all cases. Buy health insurance online right now in the comfort of your own home and enjoy a secure future.



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