Modern Social Science Research

This article aims to explore the current situation and existing problems of mental health services in Chinas health insurance, and to seek the development direction of mental health insurance. Through interview and questionnaire survey methods, the research found that mental health insurance is necessary in China, but it faces multiple challenges in design and implementation. The survey results show that the demand rate for mental health services in commercial health insurance is high, but problems such as difficult risk assessment and public prejudice have hindered its development. This article proposes the design of two mental health insurance products - mental critical illness insurance and mental health insurance, and suggests promoting the development of mental health insurance through measures such as creating a national mental health awareness atmosphere, forming a multi-party linkage comprehensive development mechanism, and establishing a complete and diverse risk prevention mechanism.

Mental health; Insurance; Countermeasure study