Health Insurance Policy Cover Depression
  • Health coverage for depression
  • Secure yourself with a dedicated health plan
  • Prevention of depression
Health Insurance Policy Cover Depression
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Simran Kaur Vij
Written By:
Simran

Simran Kaur Vij

Health and Term Insurance

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

|
Reviewed By:
Naval Goel

Naval Goel

Insurance & Business

Naval Goel, the founder of PolicyX is a well-recognised name in the Indian insurance and finance industry. His global overview has revolutionised the way insurance is perceived and bought by commoners in India.

Himanshu Kumar

Himanshu Kumar

Term Insurance, Content Writer

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

Himanshu Kumar

Written By: Himanshu Kumar

Updated on Jan 15, 2025

Himanshu Kumar

Anchita Bhattacharyya

Term Insurance, Content Manager

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

Reviewed By: Anchita Bhattacharyya

15 min read

Rhishabh Garg
Written By: Rhishabh Garg
Rhishabh Garg
Rhishabh Garg Term Insurance Head
Rhishabh Garg is the Business Unit Head of Term Insurance at Policybazaar.com. He has over 10 years of experience and currently plays a crucial role in shaping the future of term insurance in the company. Rhishabh also has experience in customer services and crafts new strategies for organizational success, one of which is Policybazaar’s claim assistance program.
Santosh Agrawal
Reviewed By: Santosh Agrawal
Santosh Agrawal
Santosh AgrawalChief Business Officer
Santosh Agarwal is the Chief Business Officer of life Insurance at Policybazaar.com and has over a decade of experience in the insurance domain. She has helped shape Policybazaar's life insurance vertical and ensures the effective execution of the company's overall strategy. Santosh is also responsible for the Term Insurance for Women domain at Policybazaar.com and educates the masses about its importance and benefits.

Health Insurance Policy Cover Depression

Due to the recent pandemic witnessed by the world, several countries imposed nationwide lockdowns to prevent the spread of contagious coronavirus. As a result of this phenomenon, many people have come out with the complaint of mental health issues like stress, anxiety, depression, etc. due to their home confinement. It emerged as an alarming situation in the country due to the culture of work from home paired with no physical activities. As an aftermath, incalculable people suffer from mental health issues. Depression, being the most common one amongst all, is triggered hugely by stress, no physical activity and lesser social interactions. Let us find whether depression is covered under the health insurance policy in India.

What is Depression?

Depression is a mental health disorder that makes the patient feel low on energy and sad, stripping them of the will to carry out their mundane daily tasks affecting their daily life activities. Depression also affects the relationship of the patient with their loved ones. Depression can be more harmful to those who are suffering from some chronic health diseases like cancer, diabetes, asthma, cardiovascular, etc. Workload, personal relationships, peer pressure, poor social interaction, and other factors contribute to depression. So, it is important to take the right treatment at the right time to minimize its effects that make people feel like their life is purposeless.

Symptoms of Depression

Symptoms of depression in men, women, and children are different. Take a look at the common symptoms of depression.

  1. Symptoms in Women

    • Anxiety
    • Irritation
    • Lack of interest
    • Constant headache
    • Suicidal thoughts
    • Less talking
    • Not getting proper sleep
    • Loss of appetite
    • Increased cramps
    • Change in weight
  2. Symptoms in Men

    • Aggressiveness
    • Insomnia
    • Irritation
    • Restlessness
    • Anxiousness
    • Constant headache, fatigue, stomach problems
    • Feeling sad and hopeless all the time
    • Misuse of drugs and alcohol
    • Lack of interest
    • Poor concentration
  3. Symptoms in Children

    • Constant crying due to irritation
    • Laziness
    • Sudden weight gain or loss
    • Not going to school or meeting friends
    • Change in grades
    • Lack of concentration
    • Digestive problems
    • Loss of energy

Diagnosis

Your doctor will be able to diagnose depression by checking the symptoms and carrying out physical examinations. There is no specific test available to diagnose depression. The doctor might ask you some questions related to your mood, appetite, sleep, etc., and might tell you to undergo a test to identify the deficiency of vitamin D or thyroid.

Treatment

People who are depressed can benefit from proper treatment and thus improve their lifestyles. Combining medical treatments and lifestyle therapies can help you in getting the best results to overcome depression. Listed below are some of the medications that your doctor may prescribe for you:

  • Antidepressants
  • Anti-anxiety pills
  • Antipsychotic medications

There are numerous therapies other than medical treatments that can help a patient suffering from depression.

  • Psychotherapy :

    The patient can speak with professionals who can help the patient in overcoming negative thinking.

  • Light Therapy :

    It is proven that when exposed to white light many patients have shown signs of improvement in mood and reduction in depressive symptoms.

  • Alternative Therapies :

    Acupuncture, meditation and exercise can be beneficial in depression. You can also take natural supplements to reduce the symptoms of depression.

Is Depression Covered Under Health Insurance

Several health insurance companies cover depression under their plans. They provide financial assistance to the policyholder to pay the expense related to the treatment of depression. It is covered under mental health insurance plans. Insurance Regulatory & Development of India (IRDAI) has instructed the insurance companies to include mental health insurance plans in their offerings.

Does Depression Come With a Waiting Period?

Depression is a mental illness and it always comes with a waiting period. It will be covered only after a waiting period of 2-4 years and it will vary from company to company and plan to plan.

Tips to Prevent Depression

Below mentioned are some tips to prevent depression:

  • Regular exercise
  • 7 to 8 hours of sleep
  • Finding informed solutions to the scenarios that trigger stress on a regular basis
  • Having regular social interactions

Conclusion:

Depression is an extremely common illness in our country and a large number of people die because of it every year. It is of utmost importance to recognize and treat mental diseases as soon as possible as they impede an individual's daily growth and put a disastrous impact on their lives.

Policyholders might include psychiatric diseases in their health insurance plans before buying them to get sufficient coverage in the event of a diagnosis.

Consult for Personalized Insurance Advice

Contact With Advisor

But how does it work?

Schedule a call with India’s number 1 trusted advisor with a 4.5+ rating on Google. We are not your average insurance agents. Our advisors are experts in their insurance knowledge and will give you the right information at the right time. The service is free of cost! Don’t worry, we won’t spam as we value your time.

Choose Right Insurance Banner Choose Right Insurance Banner

Health Insurer Network Hospitals

Health Insurance Companies

Share your Valuable Feedback

Rating Icon

4.4

Rated by 2627 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings
Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.