Sunday May 26, 2019

Online therapy: Help people with mental disorders

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mental disorder

London: A new study has found that Cognitive Behavioral Therapy (CBT), a talk therapy that is based on the Internet, may help individuals affected by mental disorder.

Body dysmorphic disorder (BDD) causes a person to have a distorted view of how they look and to spend a lot of time worrying about their appearance. If left untreated, it can lead to hospitalisation, substance dependence and suicide.

The CBT programme is significantly helpful and improves BDD’s symptom severity, depression, and the quality of life, the study said.

The CBT therapy, which helps people manage their problems by changing the way one thinks and behaves, could be particularly useful in a stepped care approach, the findings showed.

The CBT programme, “has the potential to increase access to evidence-based psychiatric care for this mental disorder”, said the researchers from the Karolinska University Hospital in Stockholm, Sweden.

Mild to moderately affected patients can be offered CBT programme by their general practitioner, or other health professionals, thus freeing resources for more severe and complex patients to be treated in specialised settings, the researchers noted in the study published in the journal BMJ.

The researchers evaluated the effectiveness of a therapist guided internet-based CBT programme for body dysmorphic disorder compared with online supportive therapy.

The study involved 94 adult patients with a diagnosis of body dysmorphic disorder who randomly received either CBT programme or supportive therapy for 12 weeks.

None of the participants had any face-to-face contact with a therapist during treatment and both groups were followed for 3 months after the end of treatment.

Patients who underwent CBT programme showed significant improvements in their severity of symptoms, depression level, and the quality of life compared with those who had supportive therapy. These gains were maintained for at least three months after the end of treatment.

Participants in the supportive therapy group who crossed over to CBT programme after six months also improved their symptom scores.(IANS)(image: mental.disorder.net)

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How to Find the Right Health Insurance Online

Despite the convenience, finding the right health insurance plan is not easy. There are a few deciding factors, which you should keep in before you finalise a plan

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Health Insurance Policy. Image Source: www.business2community.com

Health insurance is not an option anymore. It has become a must-have thing.

The government takes regular initiatives to encourage people to have health insurance by introducing welfare schemes, the latest being the Ayushman Bharat Yojana (ABY)in 2018. Under this plan, the central government will be providing health insurance with a cover of Rs. 5 lakh annually to 50 crore people of the country. However, this scheme is specially for low income groups.

The average middle class who can afford to buy insurance must have a health plan because you don’t want to end up yourself in financial burden in case of medical emergencies. And what’s better option than a comprehensive health insurance plan?

How to get a pocket-friendly right health plan?

You can take advantage of online services offered by the insurance companies and insurance aggregator portals like RenewBuy, OneInsure, Probus Insurance, Policybazaar, and others to find the right plan.

Get a health insurance plan online

But, first, you need to answer these questions:

  • Whether you want to buy a Health plan for an Individual or family
  • How much coverage you want in a plan

Once you have answered these basic questions, you can visit either the official website of insurance companies or insurance aggregators like PolicyBoss, RenewBuy, Probus Insurance, Turtlemint, Ask Arvi, etc.  

If you want to take real advantage of online services and explore a plethora of health plans offered by various insurance companies, visit the website of any of the insurance aggregator like Probus Insurance and compare health plans.

Compare health insurance plans online

Comparing health insurance is easy and totally free of cost. You get to see various health insurance plans and premium quotes provided by top-notch health insurers in India.

Despite the convenience, finding the right health insurance plan is not easy. There are a few deciding factors, which you should keep in before you finalise a plan.

Health insurance
Other factors you can also check for is Network Hospitals, Sub-limits, Co-pay, etc.

Points to keep in mind when comparing health plans

A) Health plan coverage

Check what it covers, inclusions, type of treatments, cost of hospitalisation, etc. You need to find out what each health insurance plan includes.

Check for the medical expenses covered for:

  1. In-patient hospitalization
  2. Pre-hospitalization
  3. Post-hospitalization
  4. Daycare

These are a few of the basic coverages a health plan covers. However, each insurance company may offer different coverage scheme. So, you must compare each plan coverage.

B) Compare room rent

A room rent decides the amount you will get at the time of claim in case of medical emergencies. All the expenses for medical treatments are based on the room rent. Check if there is a cap on room rent limit.

C) Check for a waiting period

A waiting period implies a duration up to which you have to wait before a claim is accepted. This is not applicable under emergency hospitalisation. Generally, a plan will have a waiting period of 30 days. However, for pre-existing diseases, it differs. It is essential to check the waiting period.

D)  Exclusions

Check the exclusions, as mentioned in each of the plans in insurance policies. It is better to know the exclusions before purchasing.

E) Premiums

Premium is the amount one pays to keep a health insurance plan in force. A cheap plan does not mean a bad plan. And a higher premium does not guarantee you a better service.

How to get a pocket-friendly right health plan? Find it out here. Pixabay

Look for a pocket-friendly plan, but also check the claim settlement ratio to know the post-sales and support provided by the insurance company.

F) Claim Incurred Ratio

Check incurred settlement ratio of each health insurer you have shortlisted. It can act as a critical factor before you buy a plan. Because you want that insurance company to support you when needed.

Other factors you can also check for is Network Hospitals, Sub-limits, Co-pay, etc.

Also Read- Top 5 Compelling Benefits of Implementing Employee Management Software in your Business Workplace

Finding the best health insurance plan is not an easy task. But comparing health plans online on web-portals like Policybazaar, Probus Insurance, ETInsure, make things simple and convenient. With the help of a few guide pointers as discussed above and comparing health plans, you can get the right health insurance plan online with no hassle.

Author: Sumit Asrani

Sumit Asrani is a Mumbai based writer. His blood cells are woven with Hypergraphia, as he breathes in books, he exhales words and sneezes poetry on Instagram. Captivated by the web-of-words, he’s trying to escape miraculously by weaving words on insurance space, digital marketing, and creativity.