Too much time has passed since the concept of mental health stopped being stigmatized and became a forbidden term. It has been common for decades, but people are only starting to talk about it now since so many people are coming out with their personal experiences of mental health problems such as depression and paranoia.
It wasn’t very new that the Government of India incorporated Mental Health as a component of the health insurance plans throughout the nation. The Mental Healthcare Act of 2017 became law on May 29 and took effect the next day. According to the Act, it is necessary to have health insurance that covers the cost of treating mental illness.
The insurance plan needs to cover mental illnesses such as schizophrenia, depression, and bipolar disorder. However, not one of India’s 33 insurance firms has brought a product that addresses these concerns to market.
Because businesses are attempting to negotiate the gray regions of mental health, the process is sluggish and in its very early stages. Despite this, one needs to be aware of a few things concerning mental health insurance before approaching a firm to receive coverage for themselves. Please read on for more information…
What are some examples of mental health illness:
According to the Act, a person is considered to have a mental illness if they have a significant disorder in their mood, thinking, perception, orientation, or memory that impairs their ability to behave appropriately, make sound decisions, or judge situations appropriately, or if they are unable to carry out ordinary day-to-day activities. Because mental retardation is almost often the result of insufficient or stopped brain development, the Act excludes it from the definition.
What is included in the Act:
According to the World Health Organization, the International Classification of Diseases (ICD) list of mental health concerns would be deemed as being covered. The ICD-10 and ICD-11 will determine the norms in these situations; the World Health Organization (WHO) classifies both schizophrenia and bipolar disorder as mental diseases.
Suppose a person with a mental illness needs to be hospitalized. In that case, the coverage will include an evaluation and diagnosis of the individual’s mental condition and treatment, care, and rehabilitation for the individual with their mental illness or suspected mental illness. This medical treatment method will include involuntary hospitalization for 24 hours.
What is not covered by this law:
Mental health insurance coverage, just like any other health insurance plan, comes with a few restrictions and limitations. There are two specific exceptions to the inclusion of mental health insurance coverage in this scenario, and both apply to you. The policy does not provide coverage for mental impairment in any form.
Second, the strategy would not consider any results that were brought on by excessive use of alcohol or drugs. Because the Act is still being drafted, it is important to keep in mind that some of these provisions may be amended or revised in the future.
What are the misunderstandings?
In addition to covering treatment for physical problems, health insurance often pays for care related to psychological or neurological disorders and mental illnesses and stress. However, the kind of insurance that the policyholder purchases will determine whether or not the policyholder is covered simply for hospitalization or OPD (out-patient department) treatments. Coverage for hospitalization alone is not guaranteed.
According to the standards, an insurer may not differentiate between a patient’s mental and physical illnesses. Before you claim your insurance policy, you should make sure that you have read all of the small print and are familiar with the coverages and limitations of your policy. It is also unknown if the insurance policy will cover the costs of any therapy sessions that the insured may need to participate in as part of their healing process.
Current health care plans:
The regulator may require the insurer to resubmit their current plans. The price may go up, and that increase will include the premium for mental health coverage. To the degree required by the National Mental Healthcare Act of 2017, coverage for mental illness will be included in the plans already in place. A rise in premium is to be anticipated if there is an expansion of coverage when corporations change their policies.
It took the area of mental health a long time to get to the point where people are now freely discussing it, but they’ve finally arrived. It wasn’t until celebrities like Deepika Padukone, and Ellen DeGeneres received encouragement to open up about their struggles with mental health that more people began to do the same thing. As a result of the active assistance provided by the government, India and some other nations have decided to ignore this social convention and take the issue in stride.
From this vantage point, one can see a positive shift occurring all around the planet. Let’s make a pact to examine our mental health at least once a year and to choose coverage for mental disease in a way that demonstrates intelligence and in-depth understanding, rather than just following others mindlessly.