Health Insurance companies to cover mental illness under med
The Insurance Regulatory and Development Authority of India (IRDAI) on August 16, 2018, directed all the insurance companies to make a provision to cover mental illness also in insurance policies.

The authority referred to Section 21(4) of the Mental Healthcare Act, 2O17 which states that every insurer shall make provision for medical insurance for treatment of mental illness on the same basis as is available for treatment of physical illness. The Act came into force on May 29, 2018.

Thus, all insurance companies were directed to comply with the aforesaid provisions of the Mental Healthcare Act, 2017 with immediate effect.

Until now, health insurance policies did not cover mental illnesses. All of them exclude mental and psychiatric conditions. As per the National Institute of Mental Health and Neuro Sciences’ National Mental Health Survey of India of 2016-17, nearly 15 percent of Indian adults are in need of active intervention for one or more mental health issues.

You may access the original notice here:

Source: IRDAI website ( and
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