Purpose of review:Owing to the high cost of care and huge treatment gap associated with mental illnesses in India, this review investigated the implementation of mental health insurance coverage in India following the mandate of the Mental Health Care Act of 2017 (MHCA 2017).Collection and analysis of data:We systematically identified health insurance providers in India through the Insurance Regulatory and Development Authority of India (IRDAI) website. We meticulously searched and obtained policy documents from either the IRDAI website or the respective insurance company websites. Our classification process involved determining if a policy explicitly covered mental illness, which we discerned by examining definitions of mental illness, indemnification clauses or the presence of International Classification of Diseases-10 codes within the policy.Conclusion:We evaluated 235 policies provided by 30 insurance companies and found that 37.5% (88) of policies covered mental illnesses, 11.5% (28) covered persons with disabilities, whereas 51% (119) did not offer any coverage. The majority of the companies did not cover suicide and substance use disorders. There are disparities in the outpatient care offerings, including extended waiting periods for coverage of mental illness. This review highlights the importance of aligning insurance practices with MHCA 2017s provisions to promote mental health equity in India. It also advocates for comprehensive mental health coverage that includes outpatient care, substance use disorders and suicide as well as a need for standardized definitions and transparent policy communication.

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印度的心理健康保险：2017 年 MHCA 后政策实施情况检查

审查目的：由于印度与精神疾病相关的护理费用高昂且治疗差距巨大，本次审查调查了印度根据 2017 年《精神卫生保健法》(MHCA 2017) 的授权实施精神健康保险的情况。数据收集和分析：我们通过印度保险监管和发展局（IRDAI）网站系统地识别了印度的健康保险提供商。我们从 IRDAI 网站或各保险公司网站仔细搜索并获取保单文件。我们的分类过程包括确定保单是否明确承保精神疾病，我们通过检查保单中精神疾病的定义、赔偿条款或国际疾病分类 10 代码来识别这一点。 结论：我们评估了 30 家保险公司提供的 235 份保单调查发现，37.5% (88) 的保单承保精神疾病，11.5% (28) 承保残疾人，而 51% (119) 的保单不提供任何承保。大多数公司不承保自杀和药物滥用障碍。门诊护理服务存在差异，包括精神疾病保险的等待时间较长。本次审查强调了使保险实践与 MHCA 2017 条款保持一致对于促进印度心理健康公平的重要性。它还倡导全面的心理健康保险，包括门诊护理、药物滥用障碍和自杀，以及标准化定义和透明的政策沟通的需要。