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/Mental Health Cover
Find what matters most to you.
Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
41 features mapped
6 coverage topics
Start Here
The concerns that cost the most when a plan gets them wrong
Step 1Coverage Directory
Every category, decoded
All 6 coverage topics in one place - start with the worry on your mind, and open the features that decide it.
Step 2Feature Library
Every feature we checked
All 41 features across 6 coverage topics - pick one to see how the plans differ, what's critical at claim time, and what's already covered in your shortlist.
Step 3Plan Comparison
What is Mental Health Cover in health insurance?
Covers treatment for mental health conditions such as depression, anxiety, bipolar disorder, or schizophrenia - both for hospitalisation and, in some plans, for outpatient therapy sessions. In India, insurers are legally required to treat mental health on par with physical health.
Also called: mental illness cover · psychiatric treatment cover · counselling and therapy cover
HDFC ERGO
Optima Restore
Standard
Neither document uses the words mental illness. Treatment for a mental illness is handled like any other illness: if a doctor says hospitalisation is necessary, it is covered up to your Sum Insured, with no separate cap and no separate waiting period named. Consultations and therapy sessions attended without an admission are not paid.
Coverage detailstap any row to understand it
Watch out
Outpatient counselling and psychiatric consultations are not payable, because the policy excludes conditions that could have been treated without hospitalisation. You pay for those sessions yourself.
ICICI Lombard
Elevate
Standard
Out-patient care is excluded unless you buy BeFit, which gives online counselling sessions with a psychologist - six a year on the smallest plan, unlimited on the top two.
Coverage detailstap any row to understand it
Watch out
BeFit keeps mental-health counselling inside its e-counselling session count, so you cannot spend the physical-consultation quota on a psychiatrist's visit. Those sessions are online, with a psychologist. Treatment for alcohol, drug or substance abuse is excluded outright.
Care Health
Care Advantage
Standard
In-patient treatment for mental illness is covered like any other illness, up to your full Sum Insured, with no separate cap. The policy defines mental illness and nowhere excludes treating it. Out-patient therapy and counselling are not covered at all, and there is no mental health add-on to buy, so regular sessions are paid by you.
Coverage detailstap any row to understand it
Watch out
Out-patient care is where most mental health treatment happens, and this policy pays none of it. Every therapy session and every psychiatrist consultation outside a hospital admission is paid by you from your own pocket.
Step 4Shortlist & Decision Tray
Your decision so far
Review your shortlisted plans, track how many coverage concerns they fulfill, and pick any two to compare side-by-side.
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Or read a full head-to-headSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
Every feature, A to Z
Each one has its own page - what it means, and how every plan handles it.