Mental Health Cover: Aaj kal zindagi ki bhag-daud mein stress, anxiety, depression jaise issues common ho gaye hain. Lekin kya aap jaante hain ki aapka health insurance ab mental health ko bhi cover karta hai? Haan, IRDAI ke rules se yeh mandatory hai, lekin bohot logon ko pata hi nahi! Yeh shocking truth hai ki India mein mental health care ab affordable ban sakta hai insurance ke through. Chaliye, detail mein jaante hain ki mental health cover kya hai, kaise milega, aur aapko kyun chahiye.
IRDAI Ka Mandate: Mental Health Ab Exclude Nahi Ho Sakta
Pehle insurance companies mental illnesses ko avoid karte the, lekin ab nahi. IRDAI ne 2022 se yeh compulsory kar diya hai ki har health policy mein mental health coverage ho. 2024 mein ek new directive aaya jisme pre-existing conditions aur chronic mental issues bhi include hain. Iska matlab, depression, bipolar, schizophrenia jaise conditions ke liye treatment claim kar sakte ho. No more discrimination – body ki bimari ho ya mind ki, dono equal.
Kya Kya Cover Hota Hai Mental Health Insurance Mein?
Yeh coverage comprehensive hai, jaise:
Outpatient Therapy: Psychologist ya counselor sessions, jaise CBT (Cognitive Behavioral Therapy) ke liye 1,000-2,000 rupees per session tak claim.
Inpatient Care: Agar hospital admit hona pade psychiatric treatment ke liye, full coverage sum insured tak.
Medications: Antidepressants ya other psychiatric drugs par kharcha reimburse.
AYUSH for Mental Health: Yoga, meditation based treatments bhi ab cover ho sakte hain, without sub-limits.
Lekin yaad rakho, waiting period apply hota hai – usually 1-3 saal pre-existing mental conditions ke liye, jaise general PED.
Problems Jo Ab Bhi Hain: Underwriting Aur Exclusions
Sab kuch perfect nahi hai. IRDAI mandate ke bawajood, insurers underwriting karte hain – agar aapka mental health history hai, toh premium high ho sakta hai ya specific exclusions. Self-harm, addiction related issues kabhi-kabhi exclude hote hain. Isliye policy khareedte waqt terms padho carefully. Aur haan, pure mental health focused plans bhi available hain jaise add-ons.
Kyun Hai Yeh Crucial Har Indian Ke Liye?
India mein mental health crisis badh raha hai – WHO ke according, har 7 mein se 1 Indian affected hai. Lekin treatment costly hai, sessions 500-5,000 rupees tak. Insurance se yeh burden kam hota hai, aur log openly seek help karte hain without financial worry. Especially post-COVID, awareness badhi hai, lekin coverage ka fayda uthane wale kam hain. Yeh shocking hai ki itna important cover hai, lekin awareness zero!
Aapko Kya Karna Chahiye Abhi?
Check Your Policy: Puraana policy hai? Dekho mental health clause hai ya nahi. Agar nahi, upgrade karo.
Compare Plans: Online portals par jaao, mental health specific coverage wale plans choose karo.
Disclose Honestly: Application mein past mental issues batao, warna claim reject ho sakta hai.
Seek Help: Agar need ho, therapist se milo – ab insurance hai toh hesitate mat karo.
Read more: – Health Insurance Ke Naye Rules: IRDAI Ne Di Policyholders Ko Badi Rahat!
Mental health cover sach mein game-changer hai. Ab time aa gaya hai ki hum mind ko utna hi importance dein jitna body ko. Koi sawal ho toh comment section mein poocho!
(Yeh info latest IRDAI guidelines par based hai, personal advice ke liye insurance expert se baat karo.)
