Indian Money Review of Reasons Why Insurance Providers Do Not Cover Mental Illnesses
Many of the insurance providers are not ready to insure
problems such as mental illnesses. What is the reason behind it? Let us explore
these details in the following section in this Indian
Money Review of health insurance.
Lack of Mental
Illness Insurance and Reasons Behind it
In-patient Treatment | Ignorance about Mental Illness
Reason #1: In-patient
Treatment
According to IndianMoney.com, in any type of health insurance,
the focus is on in-patient treatment and the consequent reimbursement of expenditure
on hospitalization.
In case of mental illness, the scenario is quite different
since the treatment is given in outpatient mode and the patient does not have
to remain in hospital. This one of the primary reasons insurance providers are
reluctant to cover mental illnesses.
Reason #2: Ignorance about
Mental Illness
Indian Money review Bangalore of health insurances found
that a bulk of insurers do not provide coverage for mental illnesses in the
form of bodily injury (accidental).
Moreover, people believe that if they try to disclose this
type of illness in their proposal form then it is likely that the insurance
company will not be agreeing to insure their other physical ailments.
Additionally, as per Indian Money CEO, C S Sudheer,
there is a strong stigma about mental illnesses in the country. Most people
avoid disclosing information about their mental illness because of the fear
that their friends and relatives will be laughing at their situation or may
well take advantage of their condition.
What is the solution
for this problem?
According to IndianMoney review, few
things which we need to do are:
1.
We need to generate awareness about mental
illnesses as well as debunk the myths surrounding such illnesses.
2.
People need to talk about mental illnesses in
open forums so that people become more aware of the problem and its solutions.
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