Is Cognitive Behavioural Therapy Covered Under Health Insurance?

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Mental health care is gaining importance, and many individuals now seek therapies like Cognitive Behavioural Therapy (CBT) to remain emotionally well-balanced. However, understanding whether health insurance covers such treatments is essential before making a decision.


Here's a closer look at how health insurance companies cover these expenses under standard plans.


Does Health Insurance Cover Expenses for Cognitive Behavioural Therapy?


Yes, several health insurance plans cover CBT as part of mental health benefits. According to regulations issued by the Insurance Regulatory and Development Authority of India (IRDAI) in 2018, all health insurance companies in India must cover mental health treatment on par with physical illnesses and ensure equal benefits for both.


However, the extent of coverage varies across insurers. While some plans may offer partial or full reimbursement for therapy sessions, others may impose sub-limits or specific conditions. So, it is always advisable to review policy terms before making a purchase.


What Does Health Insurance Cover That Offers Mental Health Benefits?


Health insurance plans that offer mental health coverage typically include



  1. Hospitalisation expenses for in-patient treatment

  2. Screening tests

  3. Medications

  4. Ambulance fees


Most health insurers offer these benefits only if the patient must stay in the hospital for at least 24 hours.


What Does Health Insurance Not Cover That Offers Mental Health Benefits?


Here are some expenses that are usually not covered by health insurance plans that offer mental health benefits:


1. Expenses for Special Education and Schooling


Most health insurance plans do not cover costs related to remedial classes, private tutoring, or enrolment in specialised educational institutions.


2. Long-term Non-medical Assistance


Suppose a policyholder requires CBT for an extended period. Since CBT is a structured, goal-oriented form of talk therapy that treats mental health conditions by changing negative thought patterns and behaviours, here no medication is required (in most cases). In that case, the insurer may cover only a certain portion of the total expenses.


3. Therapies Without Medical Approval


Most health insurance companies may not cover alternative treatments or programmes that qualified medical practitioners can not prescribe or recognise. So, customers looking to avail of mental health benefits under their health insurance must consider this factor before buying comprehensive coverage.


Final Words


CBT can be a valuable step towards better mental well-being, but obtaining coverage under health insurance may vary. It is highly advisable to understand the inclusions, exclusions, and limits before choosing a health insurance plan. This way, you can ensure that you receive the right care at the right time without unexpected financial stress.