Indian health insurance policies to cover mental illnesses from November 2022

21 November 2022
Nikitha Warriar Written by Nikitha Warriar
Nikitha Warriar

Nikitha Warriar

Nikitha Warriar writes a lot on healthcare and wellness. She is also one of LifeWordsmith’s...

Click here to know more
Madan Thapa Fact-checked

Only trusted, authentic content. At MyndStories, we make sure that all content is vetted by in-house therapists and editors. Our editors or fact-checkers verify stories for accuracy and relevance. We cite our sources and ensure that the story you read is edited and then fact-checked. To know more, read our Editorial Process.

by Madan Thapa
Madan Thapa

Madan Thapa

Madan S Thapa is a healthcare consultant and also a seasoned pharma editor, with over 10+ years...

Click here to know more
ClosePlease login

The Mental Healthcare Act (MHC Act) of 2017 states that every insurer needs to provide insurance for the treatment of mental illnesses. However, many private health insurers are yet to incorporate the provisions into their offerings. 

In a recent move this year, the Insurance Regulatory and Development Authority of India (IRDAI) made it mandatory for all health insurance providers to comply with the MHC Act and provide coverage for mental illnesses in their policies by 31 Oct 2022.

The circular released by IRDAI specifies that all insurance products released on or after the date of the MHC Act 2017 shall be deemed to provide cover for mental illnesses. This means all insurers will have to give equal consideration to mental and physical illnesses, covering hospitalization and therapy expenses.

Mental health issues like depression, dementia, bipolar disorder, and others will need to be covered under standard health insurance policies with two exceptions: 

  • If it is mentioned as an exception in the insurer’s policy 
  • If it doesn’t fit the definition of mental illness as stated by MHC Act, 2017

Under the current guidelines, policy coverage may not extend to substance abuse and intellectual disabilities.

Help support mental health

Every mind matters. Every donation makes a difference. Together, we can break down stigmas and create a more compassionate world.

Disclaimer: MyndStories is not a non-profit. We are a private limited company registered as Metta Media Pvt Ltd. We don't fall under Section 80G and hence you don't get a tax exemption for your contribution.