Mental health insurance
The World Bank report (1993) revealed that the Disability Adjusted Life Year (DALY) loss due to neuro-psychiatric disorder is much higher than diarrhea, malaria, worm infestations and tuberculosis if taken individually. Mental, neurological, and substance abuse (MNS) disorders account for an increasing proportion of the global burden of disease. The World Health Organization (WHO) attributes to these disorders 14% of all of the world’s premature deaths and years lived with disability. 1 In addition to imposing high costs on the health system, mental and neurological disorders and substance abuse also lead to lost worker productivity, impaired functioning, personal stigma, caregiver burden on family members, and, in some instances, to human rights violations. Ref: http://www.who.int/bulletin/volumes/89/3/10-082784/en/ According to the estimates DALYs loss due to mental disorders are expected to represent 15% of the global burden of diseases by 2020. DALYs are calc