Understand Psychological Well-Being With Mental Health Under Critical Illness

Earlier mental disorders were considered taboo. However, that’s not the case anymore. In the 21st century, more and more people realise the value of mental well-being. So, just like any other physical disorder, mental disorders also have specific treatment plans. These plans, however, can be expensive sometimes. 

Thus, it is normal to think whether psychological illnesses are covered under a healthcare insurance plan or not. This article will answer that question. It will also discuss the exclusions so anyone can make an informed decision while purchasing insurance for critical illness. 

What are Psychological Disorders?

Psychological disorders are also referred to as mental illnesses. These conditions impact how a person thinks, feels, and behaves. They can make someone’s thoughts and emotions different from normal. Moreover, these conditions can significantly affect a person’s quality of life and relationships. 

Mental disorders come in many forms, such as anxiety, depression, or bipolar disorder. Each one has its own set of symptoms and challenges. They may lead to feelings of sadness or even despair, which can even decrease a person’s will to live. People with psychological disorders need support and understanding to cope with their condition and lead fulfilling lives.

Are Psychological Disorders Covered Under Critical Healthcare Insurance?

Yes, insurance for critical illness now includes coverage for psychological disorders under the mental illness coverage. This happened after the enactment of the Mental Healthcare Act of 2017. This means that insurance plans treat mental illnesses on equal footing with physical injuries and cover the medical expenses required for their treatment. However, reviewing the specific terms and conditions of an insurance policy is necessary to understand the extent of coverage it provides.

What Psychological Disorders are Covered Under Critical Healthcare Insurance?

Critical illness insurance list covers various psychological disorders, some of them are:

1. Anxiety Disorders

Anxiety disorders include conditions like Generalised Anxiety Disorder and Social Anxiety Disorder. These disorders lead to a person having intense worry or fear that does not let them perform common activities in life. 

2. Depression

Depression is also known as Major Depressive Disorder. It is characterised by endless sadness and a loss of interest in activities. It can severely affect one’s daily life and functioning.

3. Bipolar Disorder

Bipolar Disorder involves extreme mood swings. A person with this disorder may face episodes of intense highs and lows. This affects their entire mood and behaviour.

4. Obsessive-Compulsive Disorder (OCD)

Intrusive, repetitive thoughts and behaviours mark OCD. A person with OCD feels compelled to perform certain tasks in a certain way. If they are unable to do so, it leads to extreme anxiety.

How Does Critical Healthcare Insurance Support Psychological Well-Being?

Health insurance for critical illness can be a pillar of support for psychological well-being. Here’s how:

1. Financial Security

The coverage provides financial security during a challenging period, ensuring that treatment is not hindered due to financial constraints.

2. Access to Specialists

Insurance for critical illness facilitates access to specialised mental health professionals offering the best care.

3. Reduces Stress

Knowing that insurance will cover full or part of the expenses can significantly reduce the stress associated with psychological disorders.

4. Outpatient Services

Some policies support outpatient services, such as regular psychiatrist visits. These services can be immensely beneficial to keep the policyholder’s mental well-being in check.

What are the Exclusions Under Healthcare Insurance for Psychological Disorders?

Exclusions in healthcare insurance for psychological disorders can vary between insurance providers and policies. However, some common exclusions to be aware of may include:

1. Pre-existing conditions

If someone has a mental health condition before obtaining insurance, expenses related to that condition may not be covered. These exclusions aim to maintain the fairness and sustainability of insurance coverage.

2. Substance Abuse

Healthcare insurance policies frequently exclude coverage for treatments related to substance abuse, which includes alcohol and drug addiction. These exclusions discourage reckless behaviour, but they vary among policies. 

3. Self-inflicted injuries

Self-inflicted injuries are commonly excluded from healthcare insurance coverage. These injuries are often the result of deliberate actions, such as self-harm or suicide attempts. 


Psychological disorders can be immensely challenging for the person dealing with them and for their loved ones. While dealing with such issues, a person should not have to worry about finances and should get the best care possible. Thus, it’s necessary to have healthcare insurance policy for critical illness. It will ensure all the patient’s needs are taken care of. 
If you also seek critical illness insurance in India, choose Niva Bupa best health insurance in india. It is trusted by over 70 lakh happy customers and has insurance plans that suit every person’s needs. Moreover, it provides a direct claim settlement that gives insurers a hassle-free experience.

Rose Wills

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