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Insurance companies reprimanded for not providing insurance cover related to mental health, know what are the rules

IRDAI Circular on Mental illness: If you are going to take an insurance policy for yourself or any family member. So let us tell you that now it has been directed to include mental illness under the health insurance policy. Also, it has not yet been included by the insurance companies, for which they have been reprimanded. But you need to keep this in mind while taking the policy.

Insurance company arbitrariness
Let us tell you that the law came in 2017 to include diseases related to mental health in the insurance policy. But despite this, many insurance companies do not include it in the policy.

IRDA reprimanded
Insurance regulatory body IRDAI has strongly reprimanded private insurance companies on this matter. IRDAI has asked to ensure compliance of these rules. Recently, the Insurance Regulatory and Development Authority (IRDAI) directed insurance companies to provide protection for mental illness under health insurance policies. IRDAI had in August 2018 directed all insurance companies to comply with the provisions of the Act with immediate effect and said that insurers should not discriminate between physical and mental illnesses.

this is the law
According to the IRDAI circular, the Mental Healthcare Act 2017 aims to ensure that every citizen suffering from mental illnesses can get the right health care and services. Let us tell you that by October 31, 2022, all insurance companies will have to make all insurance products such that they can cover mental illness or mental illnesses.

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