Mental illness or mental diseases are still largely ignored in our country. Actually, in India, the meaning of mental illness has often been taken to be insanity. This is why simple mental illnesses are so easily and often overlooked. Fortunately, the times are changing and people are becoming conscious about their mental problems. According to a report, five out of every 100 people in India are suffering from mental problems. In the past, people who had mental problems often liven in denial; now, people are slowly accepting these problems add attempting to treat them. Earlier, coverage for mental diseases was not available in insurance policies. Now, as the perception of mental health is changing in society, insurance companies are more open to making it a part of the plan.
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Until recently, only physical diseases or conditions were covered under health insurance policies. But now, health insurance companies have started covering mental diseases under their medical policies as well. This has happened after the introduction of the Mental Healthcare Act 2017, which gave mental diseases equal importance with physical diseases and conditions. The Insurance Regulatory and Development Authority of India (IRDAI) has issued a circular asking all insurance companies to ensure compliance with the Mental Healthcare Act.
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