Denied insurance coverage due to mental health condition? Persevere

Underwriting standards vary, so another insurer might well accept your proposal

Even as Insurance Regulatory and Development Authority of India (IRDAI) has been issuing directives to insurers urging them to improve the coverage of mental ailments, much needs to be done in this regard.

Recently, the regulator took another step by constituting a committee that will come up with recommendations regarding how the coverage of mental ailments can be enhanced.

Inclusions and exclusions  

The Mental Health Care Act of 2017 defines mental illness as a disorder in an individual’s mood, cognition, memory, or perception that hampers judgment, behaviour or decision making.

According to IRDAI regulations, insurers must treat mental ailments on a par with physical