Increasing Demand for Self-Harm Coverage in Indian Health Insurance Plans

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( Commonwealth_ India) The tragic passing of a 26-year-old employee from EY India has sparked urgent conversations about mental health support in workplaces across the country. The incident gained attention following a heartfelt letter from the victim’s mother addressed to Rajiv Memani, head of EY India, which resonated widely on social media. Memani’s dismissal of claims linking the death to work-related stress has intensified scrutiny of mental health conditions in corporate environments.

A recent report by Mercer Marsh Benefits, titled “Rise for a Better Tomorrow,” highlights significant gaps in mental health support within Indian workplaces. Surveying employees from 150 organizations, the report reveals that 83% of respondents believe health insurance providers should not exclude self-inflicted injuries or suicide attempts from mental health treatment claims. Currently, such exclusions are commonplace in most health insurance policies in India.

Alarmingly, 43% of Indian organizations do not offer mental health benefits as part of their group medical insurance plans, and 63% of employees express dissatisfaction with existing mental health coverage. Key obstacles to integrating mental health support into employee health insurance include stigma, fear of discrimination, and a lack of clarity surrounding available services and coverage costs.

The report further reveals that 87% of employees have worked while feeling mentally unwell, with half reporting daily stress. Interestingly, 83% of respondents indicated that their overall claims for mental health-related issues remain below 1%. Moreover, 78% of employees believe that substance use should not be a reason for denying mental health treatment claims. India’s mental health infrastructure is notably inadequate, with only 0.75 psychiatrists per 100,000 people, far below the global average of 3 per 100,000. Sanjay Kedia, CEO of Marsh McLennan, emphasized the need for comprehensive mental health insurance solutions: “Mental health awareness is no longer sufficient; organizations must be equipped with robust insurance offerings that encompass early intervention, prevention, rehabilitation, and crisis management. A well-rounded insurance plan not only mitigates business risks but also enhances employee well-being, becoming a vital differentiator in today’s competitive market.

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