Mental Health to be Covered under Health Insurance from 31st October 2022.
While many insurers had already extended cover for mental illnesses as per the guidelines of the Mental Health Act, more clarity on the changes is expected to emerge after insurers release their revised policy documents.
In this video, we have explained about latest rules & regulations announced by IRDAI on the mental health coverage in Health Insurance.
WATCH THE VIDEO FOR MORE DETAILS 🙂
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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 17 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.
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If a person get treatment in government hospital fully free of cost, then how could he apply for Pre-Post hospitalisation claim? Kindly guide me. Because the insurance company is denying for pre and post claim and asking to patient that without applying main claim there no pre and post hospitalisation claim will be approved.
On the other hand the patient had not spent a single rupee at the time of ongoing treatment.
How do insurance company decide that a disease is pre-existing if they do not conduct medical tests at the time of issuing insurance ? Every disease that is diagnosed is pre-existing.
Gurleen ji,
My mother has completed three years of health insurance (pre-existing disease time). She has been diagnosed with Osteoarthritis now and looking for a knee surgery. I have got an offer for policy port and the new insurer is okay with loading of disease details with minor extra premium (also increasing the coverage). I do not want any policy claim rejection later. Do you think I update the new insurer about the disease and port by paying extra premium with disease loading or stay with the existing insurer. Which will be a safer bet before I plan for her surgery? Thanks
Any policy for organ replacement.
Ma'am ayse kuch policies hain kya jo mentally retarded persons ko cover karta hain? Agar hai ko kya aap ek video bana skte hain ?
Madam I have purchased apollo optima restore 4 years ago. But it premium goes so high . I can’t afford it. Please tell me best alternatives of this policy. Less premium , modern methods covered. 10 lk individual 33y
These insurance companies are very mean. They will never add this or revise thier plans. For ex. There is a policy in star health with 1 year of waiting period but they never issue the policy if somebody apply this is how the insurance companies are looting money from hardworking peoples. Indian government should take strict action against this traitors of nation.
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Meri HDFC ergo ki my health suraksha policy hai. Usme mental health therapy include honge ki nahi. Please answer
Hi gurleen ji, mental health coverage is also to be included in ongoing policies but some of the companies still not revising their plans