精神疾病在印度医疗保险覆盖范围内的情况 - - 一项探索性研究
Syeda Zoya1, Aarti Jagannathan1, Thanapal Sivakumar2
1Department of Psychiatric Social Work, National Institute of Mental Health and Neuro Sciences, Benagaluru, Karnataka, India.
Indian journal of psychiatry
|April 28, 2025
概括
尽管有指令,许多印度保险公司仍在努力为心理疾病提供保险. 这项研究揭示了障碍,并提出了解决方案,以改善心理健康状况的医疗保险纳入.
科学领域:
- 健康保险政策分析 医疗保险政策分析
- 心理健康服务研究 心理健康服务研究
- 印度医疗保健条例印度医疗保健条例
背景情况:
- 2017年"心理健康护理法"要求印度保险公司承担心理疾病治疗费用.
- 尽管有指令,但精神疾病的保险覆盖在实践中仍然不足.
研究的目的:
- 探索印度公司医疗保险中包括精神疾病的现状.
- 了解保险业对覆盖心理健康状况的看法.
主要方法:
- 质量探索性研究涉及对33项医疗保险政策的审查.
- 使用专题分析分析的保险人员的深度采访.
主要成果:
- 在33项政策中,有17项政策没有明确提到心理疾病保险.
- 14项政策包括精神疾病,而2项政策明确排除了精神疾病.
- 确定了关键主题:提供服务的障碍,减少障碍的方法,以及为新的精神疾病产品做好准备.
结论:
- 解释了保险业对精神疾病保险的看法.
- 提出了建议,以克服为精神疾病提供保险服务的障碍.
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