With the aim of making mental healthcare available to all, the Insurance Regulatory and Development Authority of India (IRDAI), in its exposure draft issued last year, asked mental illnesses to be included in all regular health insurance coverage.
With model tender papers out and a key meeting today, PM Health Protection Mission heads for an August launch. Whom does it cover? Which states are part of it, how will it work in states with their own schemes?
Individuals would be able to buy so-called "short-term'' policies for up to 12 months. But the coverage would omit key consumer protections and offer fewer benefits, making it unattractive for older people or those with health problems.
The new scheme, according to the plan, will cover poor families and labourers, among others, as per deprivation statistics given in the latest socio-economic caste survey (SECC) with a minimum package of Rs 50,000 per family.