Best Mental Health Coverage in Health Insurance: What’s Included & Which Plans Are Best in 2025

Explore the Best Mental Health Coverage in Health Insurance in India. Learn what is covered—therapy, OPD, hospitalization—and find the best policies with comprehensive mental health support.

🧠 What Does Mental Health Insurance Cover?

Mental illnesses must be treated as like as physical illnesses. Today mostly people suffer from depression, anxiety so they need proper treatment. This means most comprehensive health insurance policies now include:

• In-patient Hospitalization: If the insured is admitted for mental illness (like schizophrenia, bipolar disorder, or severe depression), the policy typically covers hospital stay, medication, and treatment costs.
• Daycare Procedures: Some policies cover procedures that do not require 24-hour hospitalization, like electroconvulsive therapy (ECT).
• OPD Treatments: This is where many policies still lack. OPD (Outpatient Department) coverage for therapy sessions, counseling, and psychiatrist visits is limited or requires add-ons.
• Therapy & Counseling Sessions: Only a few policies include or allow add-ons for psychotherapy, cognitive behavioral therapy (CBT), and family counseling.
• Medication & Diagnosis: Some plans reimburse prescribed psychiatric medications and diagnostic tests related to mental illness.

🏥 Best Health Insurance Policies for Mental Health Coverage in 2025

Here are some of the top insurers offering robust mental health coverage this year:

1. Niva Bupa ReAssure 2.0
   1. Covers psychiatric hospitalization.OPD rider available (optional add-on).
   1. No cap on room rent or disease-specific sub-limits.
2. Tata AIG Medicare Premier
   1. Includes mental illness under hospitalization coverage.
   1. Offers cashless OPD add-on for mental consultations.
3. Care Supreme by Care Health Insurance
   1. Covers mental health hospitalization up to the sum insured.
   1. Includes teleconsultations and OPD discounts.
4. Aditya Birla Activ Health Platinum – Enhanced
   1. Covers hospitalization for mental illness.
   1. Health Return feature for healthy behavior tracking & wellness coaching, including mental wellbeing.
5. Star Health – Mental Wellness Plan(launched in 2025)
   1. One of the few focused plans on mental health.
   1. Includes therapy sessions, OPD visits, and 24×7 mental health helpline.

✅ What to Check Before Buying

• OPD & Therapy Coverage: Always check if the plan offers outpatient care for therapy sessions and regular checkups.
• Sum Insured Limitations: Some plans cap the amount for mental illness. Opt for policies without sub-limits.
• Waiting Period: Mental health treatments may have a waiting period of up to 2 years.
• Cashless Network Hospitals: Make sure mental health treatments are available at empanelled hospitals.

Conclusion

Mental health is as important as physical health—and your insurance should reflect that. As awareness increases, so does the scope of mental health coverage in India. Whether it’s therapy, OPD consultations, or long-term support, telecommunication support choose a plan that supports your overall wellbeing—not just your physical health.

📣 Pro Tip: Don’t wait for a mental health crisis. Invest in a health policy that supports your emotional wellness today.

👉 Stay mindful. Stay covered.

Have you checked our latest article Top Health insurance for Diabetes and Cancer patients in India 2025. Take control of your health and finances—choose the right insurance plan today and secure a worry-free tomorrow!