Disclosing therapy/counselling treatment for pyschological issues

I think its not required for term plan if the therapist has already said that to you

However, I would recommend mentioning that while buying health insurance as going forward IRDA has made it clear that health insurance has to cover mental illnesses.

Giving additional info will not hurt ..

Manish

Dear Sanket

It is advisable to declare all medical history including therapy .

As responsible person , you declare and let underwriter decide . If your doctor advise is right then underwriter would also weigh it accordingly .

It is better to fill proposal with all declared facts so that your family do not suffer in case of any eventuality .

You are a responsible person and love your family then buy insurance with full honesty .

Hello Sanket,

Mental Illness is not a well-understood topic in India, even with Insurers. So you will have to be careful.

Here's what I would have done in your place:

You need to look at the exact questions asked in the proposal form. The test is are you omitting or are you providing inadequate information for any question asked.

For instance, if the insurance company is asking "Do you have any psychiatric illness" - then the answer can be a "No" - as you haven't been clinically diagnosed with any psychiatric illness? If the final treatment for your condition is only behavioral, or change in approach towards life and its events without any treatment or medicines - then it cannot be considered as an illness illness.

Say I have an ache in my neck, and I go to a doctor who recommends reduced usage of mobile phones or laptops, which subsides my pain and I don't see the need for any treatment going forward - This is a pure lifestyle, behavior change and cannot be considered as a disease, or health condition whatsoever. I don't need to mention this neck ache in my proposal form.