People are discussing mental health these days because World Mental Health Day is coming on 10th October 2022. Celebrities like Aamir Khan, Bipasha Basu and Deepika Padukone openly discuss the value of good mental health. Citizens from all corners come together to raise awareness, love and positivity about mental wellness.
Seeing people openly discuss mental health is a positive change because it was often avoided and considered "taboo". Thankfully, things are different now! Nowadays, mental health is taken more seriously and is no longer seen as "a phase that will soon pass".
How Can a Health Insurance Be a Dependable Partner in Mental Illness?
The health insurance industry has also changed regarding mental illness. A few years ago, mental illnesses were counted as an exclusion in the health insurance plan and psychological disorders, anxiety, depression, and other mental illnesses were common exclusions in health insurance. However, things have started to improve after the Mental Health Care Act of 2017 and the IRDAI circular ordering health insurance companies to cover mental illnesses. Health insurance companies now cover mental illnesses as a coverage benefit in their health insurance plans.
When buying a health insurance plan for mental illness, you should check whether you need inpatient or outpatient coverage. Generally, in-patient hospitalization for mental illness is covered under health insurance plans. Therefore, you should buy health insurance plans that provide coverage for OPD coverage if you want medical consultation or therapy for mental illness.
Best Mental Health Insurance Plans in India
Nowadays, almost every health insurance company offers coverage for mental illness under their health insurance plans. But finding the best can be very difficult. Hence, we at RenewBuy have put together a list of the best mental health insurance plans in India. In the table below, we have listed the best mental health insurance plans in India, along with their coverage benefits:
| Health Insurance Plans | Coverage Benefits | Network Hospitals |
|---|---|---|
| HDFC Ergo My Health Suraksha |
|
13000+ |
| Aditya Birla Activ Health |
|
10051+ |
| Reliance Health Gain |
|
7300+ |
| ManipanCigna Lifetime |
|
7500+ |
| ManipalCigna Pro Health |
|
7500+ |
Conclusion
Talking about mental health is not common in India. The inclusion of mental health coverage in health insurance may result in a change in attitudes among patients towards treatment options. Consider the benefits each health insurance company offers when choosing health insurance with mental health cover. Always read the inclusions and exclusions of mental health coverage before purchasing a health insurance plan.
The importance of mental health has increased over time, being a topic no one wanted to discuss to the kind of attention it now gets. The same is the case with including it in health insurance plans. Earlier, this was not usually covered under health insurance policies, but now things are changing, so moving forward is the only option.