Imagine a world where accessing vital mental health care is as easy as seeking treatment for a physical ailment. A world where individuals don’t have to worry about the financial burden of therapy sessions or medication for their mental well-being. As people are aware, it is now easy to access mental health treatment. In today’s fast-paced and stressful world, everybody has mental issues. Whether you are a successful or unemployed person, mental health affects every facet of your life. Currently, there are lots of mental health insurance in India that will help you maintain your mental health.

In this article, you will explore the importance of mental health coverage and what is covered under this policy. So, let’s dive in!

What is Mental Health?

Mental health involves your overall well-being in thinking, emotions, and behaviour. Sometimes, mental functioning can be disrupted, and if there are noticeable changes in thinking, feeling, or behaviour causing distress and affecting daily functioning, it may indicate a mental disorder.

Why is Mental Health Coverage Important Under Health Insurance?

Here are some factors why mental health coverage is important under health insurance:

1. Covers a Wide Range Of Mental Illnesses 

Mental health coverage is important because it includes a variety of illnesses. This coverage relieves patients from financial responsibility, enabling them to receive essential mental health care without financial concerns.

2. Mental Peace

When seeking medical help, having mental peace is crucial for better focus on the treatment process. With mental health insurance, you can set aside worries about the cost of treatment, as your insurer will cover it. It reassures you and lets you concentrate on your well-being. 

3. Mandatory as per the Law

Health insurance for mental disorders offers a significant advantage as it is mandatory under the Mental Health Act of 2017. It means that insurers will have to provide you coverage for mental illnesses. The insurance policy includes provisions specifically designed to offer coverage for patients with mental health disorders.

4. Important for Overall Well-Being

Mental health conditions are equally important as physical health conditions and greatly impact an individual’s well-being. That’s why mental health coverage in health insurance is crucial. It ensures access to necessary care and support, removing financial barriers to addressing mental health needs. By covering mental health services, health insurance promotes overall well-being and empowers you to live a healthier and more fulfilling life.

5. Financial Assistance 

Accessing mental health treatment is essential for every individual. Mental health coverage under health insurance becomes crucial because the cost of the treatment is very high. By including coverage for mental health services, health insurance plans help individuals offset the cost of treatment, making it more affordable and accessible. It ensures you can prioritise your mental well-being without financial barriers and receive the support you need.

What are the Mental Health Diseases Covered  Under Health Insurance?

Mental health insurance typically covers a wide range of major mental conditions. The specific list of coverages that mental health insurance in India gives you depends on your health insurance policy. Here is the list of mental health coverage you get in health insurance:

1. Diseases Covered

A mental health coverage typically covers the following mental issues:

  • Depression
  • Anxiety
  • OCD (Obsessive Compulsive Disorder)
  • PTSD (Post-Traumatic Stress Disorder)
  • ADHD (Attention Deficit Hyperactivity Disorder)
  • Mood disorder
  • Schizophrenia
  • Bipolar disorder
  • Psychological disorder

2. OPD Charges

Health insurance plans usually cover the expenses for outpatient consultations. Outpatients are individuals who don’t require immediate hospital admission and receive treatment within 24 hours without being hospitalised. Your insurance provider takes care of these costs.

3. Hospitalisation Cost

Certain mental health disorders may necessitate hospitalisation for effective treatment and speedy recovery. Fortunately, you don’t need to be concerned about the cost of medical care because your insurance provider covers it. It allows you to access the best medical assistance without worrying about financial support.


Mental health coverage under health insurance is essential for individuals’ overall well-being. It encompasses a variety of mental health conditions, relieving patients from financial responsibility and enabling them to receive necessary care without worries.

Consider the best health insurance company in india Niva Bupa to explore mental health coverage options and experience comprehensive support. It is one of the most promising companies to give you the best mental health insurance in India. 

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