Should People With Mental Health Problems Have Insurance?

Don't underestimate it; this is the reason why insurance is important for mental health. – Apart from physical health, mental health also needs to be considered because psychological disorders, commonly known as mental disorders, are also very dangerous and can be life-threatening.

So, having insurance for psychological illnesses is also important, especially for those whose mental conditions are weak and easily disturbed, such as depression, schizophrenia, and bipolar disorder.

Unfortunately, not many people have thought about digging into their pockets for this matter, even though many people may already be aware of the importance of mental health.

Unlike in the United States, Indonesian people are more closed about mental health matters, so they are still reluctant to go to psychologists or other mental health services.

Not only that, but people who have symptoms of psychological illness are also often associated with negative stigma. These negative stigmas include being crazy, stressed, or having a weak mentality.

Thus, this causes a lack of interest among Indonesians in realizing the importance of maintaining mental health. In fact, insurance currently also provides protection for mental health.

So do people with mental health problems really need to have insurance? See more information in this article.

Maintaining Mental Health

Mind says that at least one in six workers experiences common mental health disorders, including anxiety and depression.

Being mentally and emotionally healthy can increase productivity and effectiveness in daily activities.

Mental health plays an important role in general health and allows you to adapt to changes in life and overcome difficulties.

To keep yourself mentally and emotionally healthy, you must be able to access mental health services easily.

Mental Health Insurance

Mental health insurance is an insurance product that provides financial protection against the risk of developing mental illnesses such as depression, schizophrenia, and bipolar disorder.

Mental health insurance, also known as mental illness insurance, is a type of insurance coverage that provides financial protection for costs related to mental health treatment. It typically covers services such as counseling, therapy, inpatient treatment, medication, and other mental health treatments.

Mental health insurance can be purchased as a standalone policy or as a part of a comprehensive health insurance plan. Some employers may also offer mental health insurance as a part of employee benefits packages.

Similar to other types of insurance, mental illness coverage often comes with deductibles, co-pays, and limits on the number of therapy sessions or inpatient days covered. Pre-existing conditions may also be subject to certain waiting periods or exclusions.

It is important to review the specific details and terms of a mental illness insurance policy to understand the coverage limits and any exclusions. Policies may vary depending on the insurance provider and the specific plan chosen.

Having mental health insurance can help individuals access necessary mental health services without worrying about the costs, making mental healthcare more accessible and affordable.

Mental Health Insurance Product

This product provides guarantees in the form of compensation or insurance money to the policyholder or their heirs if this risk occurs. There are many types of mental health insurance to choose from, including:

  • Term mental health insurance: provides protection benefits for a predetermined period of time. This product is ideal for people who need short-term protection but not non-unit-linked life insurance.
  • Whole mental health insurance: provides lifelong protection benefits and has investment value that can be taken at a certain time.
  • Unit link mental health Insurance: A combination of life insurance and investment This product provides protection benefits as well as investment value that can be taken at any given time.
  • Dual-Purpose mental health insurance: Provides protection benefits as well as investment value that can be taken at a certain time.

All types of mental health insurance have their respective advantages and disadvantages. Before choosing an insurance product, make sure you understand the benefits, application requirements, and other provisions well so that they suit your needs.

Mental Health insurance: Is It Necessary?

Currently, mental health is still a quite sensitive issue. Various stigmas regarding mental health make many people reluctant to see a psychiatrist or psychologist.

Moreover, access to mental health services in Indonesia is said to be quite difficult. You also need to prepare quite a bit of additional funds to get this service.

As a result, many people choose to ignore their mental health until the condition becomes worrying.

The Indonesian Life Insurance Association, or Asosiasi Asuransi Jiwa Indonesia (AAJI), said that requests for protection for mental health tend to be small.

In fact, insurance can help you access mental health services more easily. Insurance helps you financially to get the proper mental health services you need.

Insurance can play a crucial role in supporting mental health. Here are a few reasons why insurance is important in this context:

  1. Access to treatment: Insurance coverage often includes mental health services such as therapy, counseling, and medication. For individuals with mental health concerns, having insurance ensures they can afford the necessary treatments and seek help when needed.
  2. Affordability: Mental health treatments can be expensive, especially if they require long-term care or specialized services. Insurance helps cover the costs, making mental health services more accessible and affordable to a wider range of people.
  3. Preventive care: Insurance plans often include coverage for preventive mental health services, such as regular check-ups or screenings. These proactive measures can help identify mental health issues early on, potentially preventing more severe conditions down the line.
  4. Reduced stigma: Having insurance coverage for mental health brings legitimacy to mental health conditions. It helps reduce the stigma associated with seeking mental health treatment by treating it as any other medical condition.
  5. Continuity of care: Insurance coverage allows individuals to receive ongoing mental health treatment without interruption. They can continue with therapy or stay on necessary medications without worrying about running out of funds or having to stop treatment due to financial constraints.

Insurance is an essential component in supporting overall mental well-being by providing financial assistance, improving access to care, and normalizing the importance of mental health.

How to access mental health services through insurance

  1. BPJS

Every worker in Indonesia is required to take part in BPJS health services. However, did you know? Mental health services are also covered by BPJS.

Like a specialist doctor, you must first get a referral from a primary health facility (faskes), such as a community health center or clinic.

After getting a referral, you can visit a psychiatrist or psychologist appointed through a level C or D hospital, either a government hospital or a private hospital that has collaborated with BPJS.

To improve mental health services, several provinces have also provided psychological consultation services, which can be accessed through primary health facilities.

So, you don’t need to get a referral first.

Pay attention to the steps you have to go through to get mental health services. This is because some provinces have different pathways for getting referrals to psychiatrists or psychologists.

If necessary, ask a BPJS officer first before you ask for a referral for a mental health consultation.

  1. Private insurance

If you don’t want to go through the time-consuming referral process, you can take out insurance that has protection for mental health.

There are several private insurance companies that provide services for your mental health. Of course, this type of insurance comes with various costs and requirements.

You can check several well-known insurance names to ensure that services that suit your needs are available. ***

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