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India is also seeing a dramatic change in the way individuals engage with mental health, particularly financial planning. A recent finding from Policy Bazaar states that year-on-year, online queries on mental health insurance grew 41% in 2025. This is due to rising awareness and acceptance of mental health issues, particularly among youth, women, and those living in large cities.
Therapy, Medications, and Psychiatry Top Insurance Claims
Mental health claims have grown explosively by 30-50% in recent years. The most frequently covered treatments are therapy sessions, psychological counseling, and mental health medication. Anxiety disorders lead the way with 30-35% of claims, followed by depression at 25-30%.
Mental health is no longer an afterthought when it comes to insurance — it’s becoming a priority. This 41 per cent surge in searches shows that people are not only more aware but also actively seeking financial protection for mental well-being.
Siddharth Singhal, Head of Health Insurance, Policybazaar
Millennials Taking the Lead in Mental Health Coverage
The age group that is most actively investigating mental health insurance is between 25 and 35 years old. This generation tends to experience high levels of stress because of career pressures, financial insecurity, and the stress of city living. No wonder they not only purchase policies with mental health coverage but also make the most claims.
Women prefer full coverage.
Women are becoming important stakeholders in this trend. They are 27% more likely to opt for insurance policies that include mental health cover. In fact, 65% of covered women opt for policies with mental or hormonal health add-ons. These are mostly claims for stress related to caregiving, reproductive health, and career changes.
Metro Cities See Highest Uptake of Mental Health Insurance
A substantial 50-55% of mental health insurance policies are being bought in Tier 1 cities. Increasing availability of qualified clinicians, employee mental health initiatives, and higher disposable incomes in urban areas make such policies accessible and easy for locals to buy and use.
Mental health care is being normalised by today’s young Indians. From workplace stress to hormonal changes, a number of factors are prompting proactive insurance coverage
Amit Chhabra, CBO, General Insurance, Policybazaar
Awareness Rises, But Stigma Still a Barrier
These figures may reflect increasing interest in mental well-being, yet experts caution that more severe or chronic issues of mental health remain underreported. Contributing factors are social stigma and delay in the correct diagnosis. Yet overall, the trend seems to be that with increased access and ongoing awareness, India's insurance scenario for mental health will continue to change.
(Input from various sources)
(Rehash/Muhammad Faisal Arshad/MSM)
