Noida · Greater Noida · Ghaziabad · Delhi NCR

Insurance and Paying for Treatment

Mental healthcare is no longer something insurers may simply ignore. Here is how cover generally works in India, what to check in your own policy, and what to ask us before admission.

 

Whether you need de-addiction & rehabilitation or treatment for anxiety, depression, OCD, bipolar disorder and more, explore our dedicated pages by condition and area below — or book a consultation.
Areas We Serve — SSHIMOH, Noida
Areas We Serve — SSHIMOH, Noida
Areas We Serve — SSHIMOH, Noida

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Booking takes a minute. Share your name and number and a member of our clinical team calls you back — usually within the hour — to understand what you are going through and answer your questions before you commit to anything.

Your first consultation is a private conversation, not a commitment to admission. We listen, assess, and explain the options honestly — outpatient sessions, therapy, medication review, or inpatient care where it is genuinely needed.

We see patients at our Sector 117, Noida centre, and online consultations are available if travelling is difficult. Everything you tell us stays confidential.

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What changed, and why it matters

The Mental Healthcare Act, 2017 established that people with mental illness are entitled to treatment on the same footing as people with physical illness, and that includes how insurance treats them. The insurance regulator has since required insurers to provide cover for mental illness.

That is the principle. The practice still depends on the wording of the individual policy — which is why it is worth reading the document rather than assuming.

What to check in your policy before admission

  • Whether psychiatric inpatient treatment is covered, and up to what limit.
  • Whether there is a sub-limit on room rent — this quietly reduces what is paid on everything else.
  • Whether conditions related to alcohol or substance use are excluded.
  • Whether the policy is past its waiting period for this condition.
  • Whether the hospital needs to be in the insurer’s network for a cashless claim, or whether you will need to claim reimbursement afterwards.

Cashless versus reimbursement

A cashless claim is settled between the insurer and the hospital, which means less money out of your pocket at admission — but it requires pre-authorisation and the hospital being in-network.

Reimbursement means you pay first and claim afterwards, keeping every bill, prescription and discharge summary. It is slower, but it is not conditional on the network.

Ask us before you admit

Tell us which insurer and policy you hold when you call, and ask what documentation will be needed. Getting the paperwork right before admission avoids a great deal of stress later.

Call +91 72669 93399 or leave your number below.

Frequently asked questions

Does health insurance cover mental illness in India?
The Mental Healthcare Act, 2017 requires insurers to provide for mental illness on the same basis as physical illness, and the insurance regulator has since directed insurers to comply. In practice the detail still varies by policy, so the specifics of your own policy matter.
Is addiction treatment covered?
This is the area where policies differ most. Many policies exclude or limit treatment for conditions arising from substance use. Check the exclusions section of your policy wording rather than relying on the brochure.
What is a waiting period?
Most policies will not pay for certain conditions until the policy has been running for a set time. If the policy is new, check whether psychiatric admission falls inside a waiting period.
What if we are paying ourselves?
Ask for an itemised, written estimate before admission, and ask what triggers additional charges. Any reputable centre will provide this.

Talk to a clinician, confidentially

Leave your number and we call you back — usually within the hour. No obligation.

Or talk to us now — call +91 72669 93399 · WhatsApp us

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