Mental health has finally entered the mainstream conversation in India. But when it comes to life insurance, there's still enormous confusion — and unfortunately, some outdated information circulating — about what happens to a claim if death is linked to mental health.

The key regulatory change came in 2018: under IRDAI guidelines, life insurers in India cannot deny a claim solely on the grounds that death was by suicide after the first year of the policy. Before this reform, suicide within the first year was typically excluded. After the first year, the death benefit or at minimum the paid-up value must be paid to the nominee.

"The one-year suicide exclusion exists in most policies. After that period, your nominee is entitled to the claim. This is the law — not a courtesy."

For the application itself: a history of depression, anxiety, or other mental health treatment does not automatically mean rejection. It is, however, a material fact that must be disclosed on the proposal form. Non-disclosure — even of something like past therapy or antidepressant use — can give an insurer grounds to contest a claim later. The safer path is always honest disclosure and letting the underwriter make their assessment.

If you or someone you know is struggling, the iCall helpline (9152987821) and Vandrevala Foundation (1860-2662-345) provide free, confidential mental health support across India.

Getting coverage despite a mental health history is often possible. Our advisors can guide you through the disclosure process and find the right plan.