Does Health Insurance cover Depression 

Overview

Nowadays, people are more concerned about their physical discomforts but are not paying much attention to their lifestyle illnesses like Depression and hypertension.

Societal pressure or stress is the prime reason for the cause of depression. Most people consider Depression as only a mere sadness and can easily overcome it. But that’s not the actual case. Depression may lead to various physical illnesses.

This mental illness is similar to physical illness. But does Depression cover under Health Insurance in India? Let’s discuss this here!

What is Depression?

Depression is a mental disorder that poorly affects how a person thinks, feels and behaves. Depression interrupts the person’s day-to-day activities and leads them to gradually lose their self-confidence.

This Depression also may lead to several health conditions like Cardiovascular diseases, Diabetes, Obesity, etc.

Does Health Insurance cover Depression?

In India, Depression is covered under Health Insurance plans. And so, this growing awareness of mental illness made Health Insurance companies cover Psychiatric and Psychosomatic Disorder like Depression, anxiety, post-traumatic stress, etc.

Does Depression have a Waiting Period?

Yes, Depression comes with a Waiting period. As Depression is considered a mental illness, Health Insurance companies will cover it after a certain waiting period as specified in your policy.

If a person has been suffering from Depression before buying a policy, the medical records are procured from the Insured and underwriting decision is taken. It is considered a pre-existing disease (PED). The person can avail the policy benefits same as the other diseases, after a specific waiting period as mentioned in the policy.

How choosing a Health Plan helps me in treating Depression?

Choosing the right Health Insurance policy will provide financial assistance to the insured in their needful time. The Health plan will cover the expenses of treatment and hospitalisation of any mental illness, including Depression in an Authorised psychiatric hospital. Most policies will not cover the expenses of Domiciliary hospitalisation for treating Depression.

Before opting for a policy, refer to the inclusions and exclusions of the policy for your hassle-free experience.

Conclusion

People must pay more attention to Depression as it is a growing lifestyle disease. This disease is covered up to the basic sum insured under Star’s Medi Classic Insurance Policy (Individual), as mentioned in the policy documents.

FAQ’s