Mental health insurance is a type of insurance that is specifically designed to help people with a mental health condition. Insurers not only pay you for your claims but also provide extra support with in the insurance plan, It may cover inpatient treatment, outpatient treatment, or other treatment to support those with mental health conditions. Such as depressions, emergency services, laboratory services, long term care and many more.
There are a lot benefits for mental health insurance besides paying for claims, such as additional support. The following are some reasons why you should get mental health insurance.
With mental health insurance, you have rapid access to health care with a wide range of treatments from specialists, for example, psychiatrists, psychologists, and counsellors.
Most insurers provide support services 24/7. This service can provide support for a wide range of topics that may trigger anxiety or stress, such as relationships and finances.
Sometimes, therapy can be expensive, which is why many people don’t have access to it. Mental health insurance should help you with the costs of therapy, so you don’t have to pay out of pocket.
Some insurers may provide rehabilitation services, including access to rehabilitation teams, counselling, physical or mental guidance.
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Mental health insurance is something I would suggest. It was a pleasure speaking with the representative, and obtaining the policy was easy.
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Very easy to get this service from the Thaiger, I have already received a phone call to conduct a health check as the first procedures.
Thaiger has helped me a lot, they kept me updated throughout my entire process of getting mental health insurance in Thailand. 5 stars.
Different types of mental health insurance are available for you to choose from, depending on your specific needs. You can tailor each type of mental health insurance to meet your unique condition.
Individual or Stand-Alone Mental Health Insurance is designed for anyone who wants to purchase specific insurance covering medical health condition. It is not linked to any other insurance.
This type of mental health insurance can be more expensive, but it may also be more flexible, meaning you can choose to include or exclude coverage you don’t need. With individual mental health insurance, you don’t need to pay for a policy that covers things you are not concerned about.
This type of mental health insurance is intended for employer or business owners who want to provide mental health insurance for their employees.
As we all know, mental health has a powerful impact on the workplace. With this insurance, employers can provide stress-related, and other mental conditions care for their employees.
If you already have health insurance, you may be able to add mental health insurance as an additional cover. However, not all insurers provide this cover.
Mental health insurance as additional cover to your health insurance may be cheaper, but it may not be as flexible and comprehensive as individual health insurance.
It was hard for me to find mental health insurance in Thailand. Luckily, I came across the Thaiger. They made everything easy and simple! I got my coverage online in just a few days. The insurance I got really did help me undergo the necessary treatment I needed.
Top tip: Tailor the plans according to your needs and always consult your options with the expert team.
The coverage varies, depending on the plan and the insurer. In general, mental health insurance cover some level of the following:
– Partial hospitalisation
– Inpatient hospitalisation
– Outpatient mental health treatment
– Emergency care
– Prescription drugs.
With a vast selection of health insurance, we listed down the other types of health-related insurance that might interest you.
Group life insurance is a form of life insurance in which a whole group of people is covered by a single contract. Usually, an employer or an agency such as a labour union will pay for the policy of the workers or community members.
Family health insurance is a form of health insurance that provides a single insurance package for the whole family. Plans can be personalized further and covering all medical costs.
A wide range of treatments is offered by mental health insurance. However, it varies depending on the specific plan you choose. Below are some of the most common treatments covered.
Recovery from addiction, even in the early stages, requires constant care. Addiction recovery is intended for treating addictions. These include drugs, overeating, gambling, and many more.
Psychotherapy and counselling are alike. They’re the so-called treatments for talking where you are directed by the therapist to explain your problems, figure out what caused them, and create solutions. Counselling implies a series of meetings depending on the type and complexity of the problem. Non-judgmental and private counselling assist you in taking care of your own life. Psychologists and psychotherapists have years of experience and are accredited in their own nations.
A medical doctor who has additional experience in psychology and the medical area of psychiatric disorders is a psychiatrist. A doctor will give you a prescription in Thailand. Insist on seeing a doctor for prescriptions, not a general practitioner.
Self-employed health insurance is an insurance package designed for an independent contractor or self-employed to cover the cost of their own employment benefits.
If you’re self-employed, you can participate in flexible, high-quality health benefits using private health insurance that fits well for individuals who run their own companies. If you have a company that brings in money but doesn’t have any workers, you’re called self-employed.
The deduction for self-employed health insurance allows qualifying self-employed persons to reimburse up to 100% of the premiums for health, dental, and long-term care insurance for themselves and their spouses, dependents, and children under the age of 27.
A mental health emergency is a life-threatening condition in which a person is imminently threatening to harm themselves or others, is seriously disoriented or out of contact with reality, has a significant inability to work, or is otherwise distracted and out of control.
Scientists are still researching how mentally ill people become, so we don’t know as much about how a person develops a mental illness as we would like. Genetic causes or hereditary vulnerabilities, accidents or difficulties in prenatal care, exposure to contaminants, or other unknown sources may occur.
In general, mental health insurance is bought within the context of a medical health insurance program. You can look for options through your state’s health insurance exchange or find out the specific plans available in your region.
Behavioural health care, such as psychotherapy, talk therapy, and counselling, must cover any health insurance package that provides mental health services. Inpatient care for mental and behavioural wellbeing. Treatment for drug use disorder (commonly known as substance abuse).
Health insurance policies usually cover services including therapist appointments, group therapy, and emergency mental healthcare. Also included are rehabilitative programs for addiction. Therapy will be very costly, with or without insurance.