*Dec 27, 2010*

The 2010 amendment of Mental Health Care Act (MHCA), by the Government of
India aims to improve accessibility to quality mental health care.

In India, the family members of persons with mental illness have an
emotional and social burden of providing treatment and care. A vast section
of the society is under-privileged and can barely support themselves, let
alone bearing treatment expenses of the mentally-ill member. Treatment costs
can put them in a financial slump as certain treatments requiring
psychiatric interventions go on for a very long time. These people may also
be subjected to a lot of discrimination in the society.

Mental health care has always received the least priority. Lack of
recognition of the seriousness, poor understanding about the benefits of
treatment and the stigma associated with mental illness  have all led to the
discrimination against mentally-ill individuals. At present health insurance
policies do not cover any problems related to psychiatric conditions or
psychosomatic dysfunctions, arising either from birth or caused by an
accident.

As per MHCA’s directives health insurance providers will have to mandatorily
provide quality public mental and health services without discrimination
against mentally-ill individuals. These individuals should be treated at par
with any other person suffering from a health problem. The environment
around them should be conducive to facilitate recovery to the maximum
potential.  Protecting and promoting the rights of persons with mental
illness during the delivery of mental care will be of utmost priority.


An insurance policy to cater to this group of individuals will bring about a
positive change in the society and greatly help their family members.
Mentally ill persons will be entitled to the same privileges as enjoyed by
any other ordinary individual. This Act is an important landmark and a
significant step in the direction of ensuring equal opportunities for all
persons.

http://www.myinsuranceclub.com/insurance-news/public-and-private-insurers-will-have-to-provide-cover-for-the-mentally-ill

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