Health Insurance for Mental Health

Health insurance for mental health provides coverage for mental illnesses like depression, anxiety, OCD, PTSD, schizophrenia, etc. It covers persons with mental illness for the treatment of mental or psychological disorders, making medical insurance more inclusive for them. With a paradigm shift in the perception of mental illness in recent years, the IRDAI directed all insurance companies to cover mental illnesses. Consequently, all insurers have introduced IRDAI mental health insurance plans.

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      What is Mental Illness?

      Mental illness refers to mental conditions or behavioural patterns that involve unsettling or atypical thoughts and feelings. It significantly impacts how a person thinks, acts and feels as well as how they handle stress, interact with others and make decisions.

      A mental disorder can affect different people differently. In severe cases, it can lead to cognitive disorders and even make performing daily activities difficult. This is why the mental well-being of a person is important at every stage of life.

      Which Mental Illness is Covered in Health Insurance?

      All health insurance companies in India have introduced standard health plans for mental illness. These plans offer a sum insured of ₹4 lakh and ₹5 lakh and come with a waiting period of 2 years for pre-existing mental illnesses. Some of the most common types of mental illness covered in health insurance include:

      • Depression
      • Obsessive-Compulsive Disorder (OCD)
      • Bipolar disorders
      • Anxiety
      • Post-Traumatic Stress Disorder (PTSD)
      • Schizophrenia
      • Sleep disorders
      • Eating disorders (Eg: binge eating disorder)
      • Dissociative disorders (Eg: multiple personality disorder)
      • Dementia
      • Neurodevelopmental disorders
      • Personality disorders (Eg: paranoid personality disorder)
      • Impulse control and addiction disorders (Eg: compulsive gambling)

      Benefits of Buying Health Insurance for Mental Illness

      Here are some of the key reasons to buy health insurance covering mental illness:

      1. Comprehensive Coverage for Mental Illness

        Health insurance plans provide coverage for a wide range of mental illness and psychological disorders, including depression, schizophrenia, dementia, anxiety, bipolar disorder and personality disorders. Since treatment for mental illness is usually costly and goes on for an extended period, most people hesitated seeking professional help. But with the availability of mental health insurance coverage in India, the cost of treating a mental illness will be covered by insurance companies in India.

      2. Protection Against High Incidence of Mental Disorders

        In the last couple of decades, mental diseases have grown exponentially. As per data, 60 to 70 million people in India suffer from mental illness. In fact, about 14.3% of people die of mental disorders every year. Considering the high incidence of mental diseases in India and its costly treatment, it is prudent for everyone to buy health insurance with mental health coverage.

      3. Putting a Stop on Social Taboos

        For the longest time, mental illnesses were considered a social taboo. People with mental disorders were often ill-treated and discriminated against. No wonder people feared coming out in the open regarding their mental illness. However, with increased awareness about people’s mental well-being and mental illness covered in health insurance, people have been more inclusive of mental health patients.

      Who Should Buy Mental Health Insurance?

      With the current stressful lifestyle, everyone should opt for mental health insurance in India as more people have become vulnerable to mental illnesses like depression. However, the following people should opt for the best health insurance for mental health coverage in India:

      • People who have a family history of mental illness 
      • People who have suffered from any traumatic experience of losing a loved one or an accident

      List of Mental Health Insurance Plans in India

      Take a look at the best health insurance for mental health coverage in India:

      Mental Illness Health Insurance Plans Entry Age Sum Insured Pre-policy Medical Check-up Waiting Period
      Aditya Birla Activ One Plan 91 days onwards 2 lakh to 6 crore - -
      Bajaj Allianz Health Care Supreme Plan 90 days to 65 years 5 lakh to 50 lakh Not required up to 45 years 1 year
      Care Saksham 90 days to 65 years 4 lakh, 5 lakh May be required 2 years
      Cholamandalam Flexi Health Plan 90 days to 65 years 50,000 to 25 lakh Not required up to 50 years -
      Digit Health Insurance Plan 91 days onwards 2 lakh to 3 crore May be required Up to 2 years
      Future Generali DIY Health Plan 1 day to 65 years 4 lakh to 15 lakh May be required -
      HDFC ERGO my:health Suraksha Plan 91 days onwards 1 lakh to 4 crore Not required up to 55 years -
      ICICI Lombard Special Shield 1 day to 65 years 4 lakh, 5 lakh Not required up to 45 years 2 years
      IFFCO Tokio Health Protector for Persons with Special Needs Plan 1 day to 65 years 4 lakh, 5 lakh May be required 2 years
      Kotak Mahindra 1 day to 65 years 4 lakh, 5 lakh May be required 2 years
      Liberty Sampurna Swashraya Plan 1 day to 65 years 4 lakh, 5 lakh Required 2 years
      Magma HDI OneHealth Insurance Plan 91 days onwards 2 lakh to 3 crore May be required -
      ManipalCigna ProHealth Prime Plan 91 days to 70 years 3 lakh to 15 lakh May be required 2 years
      National Mediclaim Plus Plan 90 days to 65 years 2 lakh to 50 lakh May be required -
      New India Assurance Yuva Bharat Plan 91 days to 45 years 5 lakh to 50 lakh Not required 2 years
      Niva Bupa Empower Health plan 1 day to 65 years 4 lakh, 5 lakh - 2 years
      Oriental Happy Family Floater Plan 91 days to 70 years 1 lakh to 50 lakh Not required up to 55 years -
      Raheja QBE Health Bharosa Plan 1 day to 65 years 4 lakh, 5 lakh May be required 2 years
      Reliance Specially Abled Health Insurance Plan 1 day to 65 years 4 lakh, 5 lakh Required 2 years
      Royal Sundaram Divyang Plus Plan 1 day to 65 years 4 lakh, 5 lakh - 2 years
      SBI Divyang Suraksha Plan 1 day to 65 years 4 lakh, 5 lakh May be required 2 years
      Star MediClassic Insurance Plan 16 days to 65 years 1.5 lakh to 25 lakh Not required up to 50 years 2 years
      Tata AIG Policy for Persons with Disability and HIV/ AIDS 1 day to 65 years 4 lakh, 5 lakh Required 2 years
      United India Samaveshi Suraksha Health Insurance Plan 1 day to 65 years 4 lakh, 5 lakh Required 2 years
      Universal Sompo Saksham Bima Plan 1 day to 65 years 4 lakh, 5 lakh May be required 2 years
      Zuno Empower Health Insurance Plan 1 day to 65 years 4 lakh, 5 lakh - 2 years
      See More Plans

      Inclusions of Health Insurance for Mental Health 

      Health insurance for mental illness provides coverage for the following:

      • In-patient care
      • Day care treatments
      • AYUSH treatments
      • Pre-hospitalization medical expenses
      • Post-hospitalization medical expenses
      • Emergency ground ambulance
      • Cataract treatment
      • Modern treatment
      • Teleconsultations

      Exclusions of Health Insurance for Mental Health

      A mental health insurance policy does not cover the insured for the following:

      • Psychological disorders or complications arising out of alcohol or drug abuse, dependence and withdrawal
      • Self-inflicted injury or suicide attempts
      • OPD treatments
      • AYUSH treatments
      • Diagnostic tests/investigations or treatment taken without prescriptions
      • Unproven treatments
      • Treatments taken outside India
      • Non-payable items

      Tips to Boost Your Mental Health

      Check out some tips to maintain good mental health:

      1. Make time to do things that you love
      2. Get at least 7 to 9 hours of interrupted sleep at night
      3. Get closer to nature to calm yourself
      4. Indulge in physical activities like exercising, dancing, and walking to release ‘feel good’ hormones
      5. Follow a healthy diet with lots of fruits and vegetables
      6. Practice yoga and meditation to relieve stress 
      7. Be kind to others to uplift your mood and feel good
      8. Plan activities and vacations to look forward to
      9. Understand your feelings by writing them down or speaking them out
      10. Talk to someone you trust to feel relieved

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

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