Launch Health Plans to Cover Mental Illness, HIV & Disabilities: IRDAI

The Insurance Regulatory & Development Authority of India (IRDAI) has directed all health insurance providers to launch plans for people with mental illness, HIV/AIDS and physical disabilities. With this directive, the insurance regulator aims to offer comprehensive medical coverage to such people and meet the growing demands for these covers in the country.

Read More

Policybazaar exclusive benefits
  • 30 minutes claim support*
  • 50,000 claims approved in last 15 months*
  • Schedule home visit with our advisors
  • Get a plan based on your medical needs

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

All health plans cover Covid-19 treatment
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Health Insurance for People with Disabilities, HIV and Mental Illnesses

      The IRDAI, in its latest circular, has mandated all general insurance companies and standalone health insurers with a Certificate of Registration to mandatorily launch health insurance plans that provide coverage to people suffering from mental illness, HIV/ AIDS and physical disabilities. The mandate comes almost a year after the regulatory body had asked all insurers to cover mental illness under health insurance. 

      The insurance regulator has asked insurers to provide details of the health insurance products they want to offer along with the coverage amount and premiums. However, it has asked the insurance companies to comply with the IRDAI (Health Insurance) Regulations, 2016 to determine the price of such plans.

      Further, the apex body has allowed insurers to widen the scope of health plans to offer coverage to persons with disabilities (PwDs), mental illness and HIV/ AIDS. However, it has forbidden insurers to narrow down the scope of policy coverage.

      The IRDAI has also directed insurers to create a board-approved underwriting policy that ensures the non-denial of applications of people suffering from HIV/ AIDS, mental illnesses and disabilities. Moreover, it has asked insurers to set up a dedicated claims team to process mental illness claims so that no such claims are denied due to sub-limits or exclusion.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Does Health Insurance Cover H3N2 Virus?

      20 Mar 2023

      The seasonal H3N2 virus is rapidly spreading across India. As per
      Read more
      Common Wellness Benefits Offered by Health Insurance Plans

      14 Feb 2023

      Health is the biggest wealth in the true sense. No matter how much
      Read more
      Should You Buy a Super Top-up Health Insurance Policy?

      18 Jan 2023

      India is abuzz with a variety of health insurance plans to cater
      Read more
      6 Reasons Why Your Cashless Health Claims Can Get Denied

      18 Jan 2023

      Cashless claims are one of the most lucrative benefits of buying a
      Read more
      Check Out the Mandatory KYC Documents for Health Insurance

      30 Dec 2022

      The Insurance Regulatory & Development Authority of India
      Read more
      What are the Normal Thyroid Stimulating Hormone (TSH) Levels as Per Age?
      The thyroid gland is an important gland responsible to produce the right amount of hormones for normal body
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.