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IRDA: Do you know that it is necessary to cover the diseases related to mental health also by insurance companies. According to the new circular of the Insurance Regulatory and Development Authority of India (IRDA), all insurance companies will have to cover mental illness or mental illnesses in health insurance. All insurance companies have been asked to comply with the new rules by 31 October.
Know about the Mental Healthcare Act 2017
The Mental Health Care Act 2017 or the Mental Healthcare Act 2017 was enacted to ensure that every Indian suffering from mental illnesses can get the right health care and services. According to the IRDA circular, it has been said that by 31 October 2022, all insurance companies will have to make all insurance products which can cover mental illness or mental illnesses and should be fulfilling all the conditions as per the MHC Act 2017.
Which diseases will be included – its status is not clear but soon the picture will be clear
Although the situation has not yet been clarified about what kind of problems related to mental health are going to be included in the health policy by the insurance companies, but it is definitely being told as a very good step because for a long time it is being talked about. was being demanded. If you don’t know, know that
What are or should be covered in diseases covered under mental health coverage
Comprehensive health insurance policies currently in the market provide hospital coverage to the policyholder. Emergencies that occur as a result of a possible mental disorder may be covered by these policies. This includes the patient’s room rent, medicine and diagnostics to ambulance charges and treatment expenses. There is a demand for OPD expenses at times as outpatient department (OPD) expenses in mental illnesses like daycare treatment as well as medicine and doctor fees account for a major part. Many insurance companies are busy launching plans that can cover OPD expenses as well.
Focus on mental health increased after the Kovid-19 epidemic
Since the Kovid-19 pandemic, the focus on mental health has increased as the cases of stress and anxiety among people have increased more. However, people in India have become more sensitive to such issues and have agreed to seek medical treatment and therapy to treat them.
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