Why Mental Health & Stress Management Matter in Life and Term Insurance Wellness Programs

Mental health has become a serious concern for individuals and families alike. Rising levels of stress, anxiety, and work-related burnout are now closely linked to long-term health problems and financial instability. Recognising this shift, insurance providers are increasingly focusing on mental well-being as part of overall risk protection, not just as a medical issue but as a key factor in long-term health and financial security.

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Why Mental Health Should Matter to Term Insurance Policyholders?

For anyone holding a term insurance policy, it’s not just about death benefits. Mental health plays a significant role in day-to-day life. Chronic stress, depression, or even unmanaged anxiety can lead to:

Health problems like heart disease, diabetes, and hypertension
Reduced work performance, job stability, or productivity
An inability to fulfill financial commitments

If you’re struggling mentally, that can affect how long you stay healthy enough to work, earn, and support your family. Insurance companies are now taking this into account with wellness programs that offer mental health support, because the better you feel, the less likely you'll need to use your insurance for health-related claims.

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@ Starting from ₹ 12/day⁺

What Mental Health Benefits Are Offered in Insurance Wellness Programs?

Many insurance companies have begun including mental health support in their wellness programs. Here’s a look at some of the most helpful features available:

Tests for Stress and Anxiety
Policyholders can check their stress levels and find out where they might be having trouble with simple, private tests. These tests help you spot signs of burnout or mental health problems before they get worse.
Therapists and counselors who are free or charge less
Most of the time, telemedicine or online consultations are how policyholders can get in touch with mental health professionals through their insurance companies. This is a great benefit that can help you keep your mental and emotional balance, whether you're dealing with anxiety, stress, or just need someone to talk to.
Resources for mindfulness and meditation
Many wellness programs also include meditation and mindfulness exercises, which help you sleep better and lower your stress levels. These tools can fit into even the busiest schedules. Short guided sessions or quick breathing exercises can help you deal with stress every day.
Tools to help you sleep
Good sleep is the first step to a healthy mind. Many insurance companies now offer tools to help policyholders sleep better, such as apps that track sleep and expert advice. Getting more sleep makes your mind clearer, gives you more energy, and makes you healthier overall.
Mental Health Information for Schools
Insurance wellness platforms also offer extensive educational materials, such as articles, webinars, and workshops, to help policyholders learn how to manage stress, anxiety, and other emotional issues. These tools are meant to give you the information you need to live a healthier life.

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How Does Mental Health Tie into Life Insurance?

While term insurance focuses on income protection, other life insurance products, such as whole life or endowment policies, also benefit from including Health Management Services. Here’s why:

For policyholders, mental health support helps:

Prevent the development of stress-related physical health issues, reducing the likelihood of major medical claims.
Keep you productive and engaged in your work, which secures your income and ensures that your life insurance remains relevant and useful.
Encourage healthier living, which can reduce the overall financial burden on insurance providers over time. This could even mean lower premiums.

Wellness programs connected to life insurance do more than protect your future—they help ensure your present is strong, stable, and stress-free.

IRDAI’s Push for Wellness in Insurance

The Insurance Regulatory and Development Authority of India (IRDAI) has played a major role in pushing insurers toward a more holistic approach to policyholder well-being. By encouraging wellness programs, IRDAI is helping reduce the overall healthcare burden and improve policyholders' financial stability.

The introduction of mental health resources, along with other wellness offerings, is part of a broader initiative to shift away from reactive insurance claims to proactive health management.

Wrapping It Up:

Stress management and mental health are now seen as important parts of financial planning. They have a direct effect on how long a person can stay healthy, work, and be financially stable. This is something that life insurance and term insurance wellness programs that pay for mental health services know. The insurance companies are doing their part to help policyholders manage risks before they become major health or financial problems by giving them tools like stress tests, access to counseling, sleep advice, and self-care tools. In the end, this plan will benefit both sides. People will stay healthy and financially stable, and insurance companies will have better continuity and fewer claims that could have been avoided.

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FAQs

1. Do mental health benefits affect life or term insurance premiums?

Ans: Mental health support itself does not increase premiums. In fact, some insurers offer rewards, wellness points, or premium discounts for actively participating in wellness programs, including mental health assessments and counselling sessions.
2. Are mental health services under insurance wellness programs confidential?

Ans: Yes. Mental health assessments and consultations offered through insurance wellness platforms are confidential. Insurers typically receive only participation data, not personal medical or counselling details.
3. Is mental health support available with term insurance plans?

Ans: Many term insurance plans now include wellness programs that offer mental health tools such as stress management resources, online counselling, and self-care guidance. These benefits are designed to support policyholders during the policy term, not just at claim time.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹360/month is the starting price for a ₹99 lakhs loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

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Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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