心理疾病的保险覆盖:通过生物伦理学和MHCA的视角进行审查,2017年
Amiti Varma1, Nikhil Jain2, Sayali Mahashur1
1Research Associate, Centre for Mental Health Law and Policy, Pune 411004, Maharashtra, INDIA.
Indian journal of medical ethics
|March 5, 2025
概括
印度的医疗保险政策经常歧视精神疾病,违反了"2017年精神卫生保健法". 需要宣传,以确保心理健康覆盖率的平等.
科学领域:
- 卫生政策 卫生政策
- 生物伦理学生物伦理学
- 心理健康法 心理健康法
背景情况:
- 医疗保险对于减轻灾难性医疗支出至关重要.
- 2017年"精神卫生保健法" (MHCA) 规定,精神和身体疾病的保险覆盖范围均等.
- 尽管有法律规定,但患有精神疾病的人面临着保险获取障碍.
研究的目的:
- 分析医疗保险政策是否符合MHCA第21条 (四) 关于精神疾病保险的规定.
- 评估政策措辞与生物伦理原则和心理健康平等任务相比.
主要方法:
- 从IRDAI网页 (2020-21) 分析了459份医疗保险保单文件.
- 对268个有关政策的深入审查,以遵守MHCA和生物伦理.
主要成果:
- 六项政策 (来自两个提供商) 明确排除了精神疾病,违反了MHCA.
- 大多数保险都不包括自杀企图 (n=224) 和药物使用 (n=267) 的保险.
- 门诊精神卫生服务仅涵盖23项政策.
结论:
- 目前的医疗保险政策包含对精神疾病的歧视性条款,违反了MHCA的平等原则.
- 在保险保单中对精神疾病的差异性处理与生物伦理标准相矛盾.
- 持续宣传对于在保险政策中强制执行心理健康平等至关重要.
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