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MUMBAI: When 66-year-old Pritam P tested positive for Covid late last year, it triggered a far more debilitating illness in his wife her underlying depression and suicidal tendencies surfaced. Mrs P, a retired bank employee, had to be hospitalised for almost a month under the supervision of a Mumbai psychiatrist. The couple’s next nightmare began after she was discharged. While her bank’s group mediclaim covered a portion of her medical expenses, her own policy continues to reject the Rs 3.5 lakh claim, exposing the confounding absence of clarity and uniformity on mental illness insurance.