{"id":3838,"date":"2016-02-23T15:24:42","date_gmt":"2016-02-23T07:24:42","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=3838"},"modified":"2024-11-21T10:57:22","modified_gmt":"2024-11-21T02:57:22","slug":"mental-health-and-insurance","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/mental-health-and-insurance.html","title":{"rendered":"Mental health and insurance"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">According to the <\/span><a href=\"http:\/\/www2.nami.org\/factsheets\/mentalillness_factsheet.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">National Alliance for Mental Illness<\/span><\/a><span style=\"font-weight: 400;\"> (NAMI), &#8220;One in four adults experiences mental illness in a given year. One in 17 \u2212 about 13.6 million \u2212 live with a serious mental illness such as schizophrenia, major depression or bipolar disorder.&#8221; With revealing numbers like this, it is clear to see that mental health has become one of the most important health concerns of the past decade. Long considered to be a somewhat taboo subject in much of the world, Asia included, mental health has started to see emergence as a true concern that needs to be addressed, studied, and treated much like any other illness would. This exact issue was recently raised in an intriguing article published in the <a href=\"http:\/\/www.itij.com\/feature\/finding-peace-mind\" target=\"_blank\" rel=\"noopener\">International Travel &amp; Health Insurance Journal<\/a><span style=\"font-weight: 400;\"> (ITIJ), which features insight from Pacific Prime&#8217;s Darren Counsell.\u00a0<\/span><\/span><\/p>\n<p>In recent years, it is especially important to protect our mental health whether we&#8217;re at home or at work. Check out these quick tips on protecting employees&#8217; mental health during the pandemic.<\/p>\n<p><iframe loading=\"lazy\" title=\"COVID-19: Protecting employees&#039; mental health\" width=\"700\" height=\"394\" src=\"https:\/\/www.youtube.com\/embed\/-PphoT5GRDE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<h2>Stigma still surrounds mental health<\/h2>\n<p><span style=\"font-weight: 400;\">The problem is, many countries simply are not giving mental health the support required. For example, here in Hong Kong, the <\/span><a href=\"http:\/\/www.scmp.com\/comment\/insight-opinion\/article\/1858841\/sorry-state-mental-health-care-hong-kong\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">SCMP reported<\/span><\/a><span style=\"font-weight: 400;\"> last September that, &#8220;There are under 200,000 such [patients receiving psychiatric help for a mental illness like depression] in the Hospital Authority (HA) system. According to an official assessment, the average queuing time for a first appointment with a psychiatrist jumped from three to seven weeks between 2000 and 2012.&#8221; The article went on to note that there are only around 300 psychiatrists working in the public system, which is far short of the recommended number set by the WHO.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-1' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/WP-Banner-revamp-final-20221207_1.-Single-final.jpg\" alt=\"Individual health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Singapore does not fare much better, with resources and statistics from the government being relatively hard to find when compared with other diseases, and a somewhat low number of professionals working in Mental Health with 2.81 healthcare professionals employed per 100,000 people in 2011, according to the <\/span><a href=\"http:\/\/www.who.int\/mental_health\/evidence\/atlas\/profiles\/sgp_mh_profile.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">WHO<\/span><\/a><span style=\"font-weight: 400;\"> (compared to 4.39 per 100,000 in <\/span><a href=\"http:\/\/www.who.int\/mental_health\/evidence\/atlas\/profiles\/hkg_mh_profile.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Hong Kong<\/span><\/a><span style=\"font-weight: 400;\">). <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The cost of mental health<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The SCMP article linked above highlighted a common issue many countries and cities around the world are facing: The public health sector can not fully cope with the demand for mental health care. To receive the care people need, many are turning to the private health sector. While this sector will usually have much lower wait times, it does come at an increased cost. For example: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The Hong Kong Society of Psychiatrists notes that, &#8220;Fee charges range from about HKD 500 (USD 54) to HKD 2,000 (USD 257) per consultation.&#8221; <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.psychology.org.au\/Assets\/Files\/2015-16-APS-IS-SRF.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Australian Psychological Society<\/span><\/a><span style=\"font-weight: 400;\"> states that for a 45-60 minute consultation with a psychologist you will be charged AUD 238 (USD 172). <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The Noble Psychological Wellness Center charges SGD 90 (USD 64) for a 15-minute session.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Add the cost of psychological care and medicine on top of that, and it is clear that mental health care is not cheap. In order to afford the mental health care many need, many will turn to private health insurance. While plans like international health insurance plans will offer strong coverage elements with high limits, there is a caveat you need to be aware of: Some insurers may not cover specific mental illnesses. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Pacific Prime discusses mental health and health insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In a recent article which addressed mental health published by the <\/span><a href=\"http:\/\/www.itij.com\/feature\/finding-peace-mind\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">International Travel &amp; Health Insurance Journal<\/span><\/a><span style=\"font-weight: 400;\"> (ITIJ), Darren Counsell, Director at Pacific Prime, discussed mental health from an insurance standpoint, as well as what you need to know about when it comes to whether your health insurance covers mental health care. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some of the important information shared by Counsell included the most valuable piece of information anyone receiving care for mental health needs to know: &#8220;While the best insurers offer cover for diagnosed psychiatric conditions, many exclude self-harm, along with alcohol and drug misuse, even if they can be attributed to mental health issues.&#8221; He also explained that, &#8220;In short, many popular international insurance companies do actually cover psychiatric conditions, but often insurers impose low limits and caps for coverage related to treatment of these conditions.&#8221; <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The article itself provides an in-depth look into mental health and health insurance, and is well worth the read &#8211; especially if you are looking to learn more about how the two topics are intertwined. The full article can be found on the <a href=\"http:\/\/www.itij.com\/feature\/finding-peace-mind\" target=\"_blank\" rel=\"noopener\">ITIJ website<\/a>. \u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In order to learn more about whether your health insurance plan covers mental health care, please contact us today.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>According to the National Alliance for Mental Illness (NAMI), &#8220;One in four adults experiences mental illness in a given year. One in 17 \u2212 about 13.6 million \u2212 live with a serious mental illness such as schizophrenia, major depression or bipolar disorder.&#8221; With revealing numbers like this, it is clear to see that mental health &#8230;<\/p>\n","protected":false},"author":35,"featured_media":3840,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[217],"tags":[1351,1749,1746,1350,1349,124,1348],"class_list":["post-3838","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-article-on-mental-health","tag-ban_sin","tag-cta_gen","tag-darren-counsell","tag-itij","tag-mental-health","tag-mental-health-in-aisa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - 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