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Does insurance provide mental health coverage? 

Admin
January 19, 2024
Reviewed by: Rajnandini Rathod

Mental health, often overlooked in the past, is now gaining the attention it deserves. Understanding whether insurance covers mental health services is a critical step in addressing mental health concerns. In India, there has been a significant shift in recognising the importance of mental health, and insurance coverage has expanded to encompass a broader range of mental health services.

Types of Insurance that Covers Mental Health

Mental health coverage in insurance policies in India may vary, and it’s essential to check with individual insurance providers for the most up-to-date information. However, here is a general overview of the types of insurance that may cover mental health issues:

Comprehensive health insurance, including family floater and individual plans, typically includes coverage for medical expenses related to mental health conditions. These policies may encompass outpatient treatments, psychiatric consultations, therapies, and hospitalisation for mental health issues. Group health insurance plans offered by employers also commonly include coverage for mental health conditions, and it’s advisable to check the specifics with the employer or insurance provider.

When exploring mental health coverage, individuals should carefully review the details of their health insurance plans. Employer-sponsored plans, for instance, may offer coverage for counselling and therapy sessions with licensed mental health professionals.

What Mental Health Services Are Typically Covered?

Health insurance policies in India typically encompass a variety of mental health services to address the diverse needs of policyholders. In most insurance policies, only cases where severe mental health conditions require hospitalisation are covered, including the associated expenses, such as room charges, boarding, and nursing care. 

While certain policies may extend coverage to daycare treatments, which involve intensive interventions without the need for overnight hospitalisation, coverage for psychiatric consultations and outpatient mental health services, such as therapy sessions and counselling, are often not reimbursed by insurance policies in India. 

It’s essential for you, as a policyholder, to carefully examine the terms and conditions of your specific health insurance plan to grasp the scope of mental health coverage, taking note of any sub-limits or restrictions that may apply. If you have specific concerns about certain mental health services, reaching out directly to your insurance provider can offer you in-depth information and clarification on the coverage provided.

How To Use Your Mental Health Coverage

Maximising the benefits of mental health coverage requires individuals to navigate their health insurance plans effectively. Here are key steps to make the most of mental health insurance:

  • Check Network Providers: Ensure that the mental health professionals you choose are in-network. This step is crucial for taking full advantage of the coverage offered by your health insurance plan.
  • Verify Coverage: Before scheduling treatment sessions or mental health treatment appointments, reach out to your health insurance provider to verify coverage for specific mental health services. This proactive approach can help prevent unexpected out-of-pocket expenses.
  • Understand Copayments: Be aware of any copayments or out-of-pocket expenses associated with mental health services. Understanding these costs allows you to budget effectively for your mental health care needs.

In conclusion, mental health coverage in India has undergone positive developments, reflecting an increased understanding of the importance of mental well-being. But there is still a long way to go. The Mental Healthcare Act, 2017, mandates equal coverage for mental and physical illnesses, requiring insurers to align their policies with these regulations so there is hope for the future.

REFERENCES:

  • (PDF) mental healthcare act 2017 – the way ahead … – researchgate. (n.d.). https://www.researchgate.net/publication/331490190_Mental_Healthcare_Act_2017_-_The_way_ahead_Opportunities_and_Challenges 
  • Mental Health Care Act, 2017. Home | Ministry of Health and Family Welfare | GOI. (n.d.). https://main.mohfw.gov.in/