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Review of Individual Health Insurance Policies for Mental Health Conditions

JOURNAL TITLE: Indian Journal of Private Psychiatry

Author

1. Kartik Singhai
2. Hareesh Angothu
3. Thanapal Sivakumar
4. Deepak Jayarajan

ISSN

2319-5363

DOI

10.5005/jp-journals-10067-0076

Volume

Issue

Publishing Year

2021

Pages

Author Affiliations

Department of Psychiatry, National Institute of Mental Health and Neurosciences, Bengaluru, Karnataka, India

Department of Psychiatry, National Institute of Mental Health and Neurosciences, Bengaluru, Karnataka, India

Department of Psychiatry, National Institute of Mental Health and Neurosciences, Bengaluru, Karnataka, India

Department of Psychiatry, National Institute of Mental Health and Neurosciences, Bengaluru, Karnataka, India

Article keywords

Autism spectrum disorder, Health insurance, India, Intellectual disability, Mental illness

Abstract

Abstract

In India, 85% of healthcare occurs in the private sector. Health insurance schemes can help prevent catastrophic health expenditure and resultant “poverty trap.” Section 21 (4) of the Mental Health Care Act (MHCA) 2017 asks insurers to make provisions for treating mental illness on the same basis as is available for the treatment of physical illness. The Insurance Regulatory and Development Authority of India has required health insurance companies to comply with MHCA 2017. This paper discusses various health insurance policies available for mental health conditions and implications of a recent Delhi high court verdict for health insurance for mental illness.