- Education Shiv Nadar University iviting Applications for UG Admissions 2023; Check Details Here
- Technology Samsung Galaxy S23 To Opt For Cheaper Storage Tech: Is It A Mistake?
- Movies Urfi Javed Bashes Kangana Ranaut Over ‘Country Loves Only Khans' Remark; The Latter Responds
- News To discuss Khalistani extremism, India calls on the Premier of Victoria
- Travel Karli: A Great Excursion from Lonavala, Pune, Mumbai
- Sports Hockey World Cup 2023: German resilience ends Belgian dominance, India's wait for elusive medal continues
- Finance ICICI Direct Picks 5 Stocks, Including 1 Maharatna, 2 Navratnas, With Hold, Buy Call
- Automobiles The Suzuki Jimny Is Going Electric - Here's What We Know So Far
The Mental Health Care Act, 2017 of India mandates that 'Every person with mental illness shall receive the same treatment as a person with physical illness in the provision of all health care'. However, even in 2022, the stigma attached to mental health and well-being is still very real.
In August, the Insurance Regulatory and Development Authority of India (IRDAI) asked insurance companies to make provisions relating to mental illness. This was a positive development as mental health has a broad scope, particularly in India. And this could mean that your health insurance will no longer exclude mental health insurance. *
Before 31 October, insurance companies should provide coverage for mental illness under health insurance policies - stated IRDAI. *
"All insurance products shall cover mental illness and comply with the provisions of the MHC Act, 2017 without any deviation. Insurers are requested to confirm compliance before October 31, 2022." *
* Visit the official website of IRDAI for further details.
So, there's hope after all?
Which Benefits Will Be Covered By Your Mental Health Insurance Plan?
Reports indicate that insurance providers will cover mental health problems such as acute depression, bipolar disorder, eating disorders, post-traumatic stress disorder (PTSD), schizophrenia, dementia, etc. - in addition to what is currently available. However, more clarity is needed on this as no specific updates have come out yet.
Therefore, if one requires hospitalization for the treatment of mental illness in an in-patient setting, the health insurance plan will cover the cost of the treatment, including medicines, diagnostics, ambulance fees, etc. * To know how much these plans will cost, you can make use of a health insurance premium calculator.
Furthermore, reports indicate that whereas public sector undertaking (PSU) health insurance providers have made provisions to provide cashless hospitalization for mental disorders, many private health insurance policies do not include this feature, though it may be available upon request in some cases. *
The Stigma Around Mental Health Issues In India
India doesn't take mental health seriously - this statement is true to an extent. But at the same time, it is important to note that in the past few years, especially since the advent of the pandemic, the mental health and well-being of an individual have received increased attention - the attention that was highly due! *
In India, according to NIMHANS data, more than 80 per cent of people do not access care services for mental health issues for a multitude of reasons, ranging from a lack of knowledge to stigma to a high price. The global burden of mental disorders has not decreased since 1990, despite being among the top leading causes of health burden worldwide. *
* Standard T&C Apply
It's a top priority to get treatment for physical problems since they disable the person, but why not the same for mental health, right?
Despite the decline in stigma and taboo attached to mental health issues, governments, NGOs, and other social organizations should begin educating the public about mental health issues and removing misconceptions associated with them because we are still a long way from accepting mental health issues as a 'real problem.'
And perhaps, the introduction of Mental Health Insurance could be a step towards achieving that.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.
- wellnessDangers Of Indoor Tanning: Know Why Is It So Addictive?
- wellnessHow To Get Vitamin D Without Risking Excessive Sun Exposure
- wellnessExpert Explains, What Is Botox? Know About Therapeutic Vs Cosmetic Botox Differences
- wellnessWays To Deal With Throat Infections This Winter, According To An ENT Specialist
- kidsStrategies To Nurture Your Child’s Developing Mind: Learnings From The Book 'The Whole Brain Child'
- wellnessWhy Do Men Most Frequently Report Erectile Dysfunction? Know From An Expert
- healthABHA Health Card By Indian Govt: Benefits, How To Apply And Download Your ABHA Card
- wellnessYear Ender 2022: Top Health And Hygiene Lessons Of The Year
- pregnancy parentingEffective Parenting: Therapy Worthy Things To Do As A Parent For Kids, 10 Techniques
- diet fitness6 Effective Ways To Quit Sugar
- wellnessExclusive: Influenza Vaccination Week 2022: Expert Explains What It Is About And Which Vaccine To Prefer
- zodiac signsCancer Horoscope 2023: Cancer Varshik Rashifal, Cancer Yearly Horoscope Predictions