In India, 85% of healthcare occurs in the private sector. Health insurance schemes can help prevent catastrophic health expenditure and resultant “poverty trap.” Section 21 (4) of the Mental Health Care Act (MHCA) 2017 asks insurers to make provisions for treating mental illness on the same basis as is available for the treatment of physical illness. The Insurance Regulatory and Development Authority of India has required health insurance companies to comply with MHCA 2017. This paper discusses various health insurance policies available for mental health conditions and implications of a recent Delhi high court verdict for health insurance for mental illness.
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