Mental Health (Psychiatric)

The NHS estimates that 1 in 4 people will experience mental health or psychiatric conditions in their lifetime. These terms refer to an incredibly broad range of issues, including addictions, anxiety, depression and even stress.

How can private medical insurance help people with mental health conditions?

Some health insurance policies include cover for mental health conditions. This means that if you have mental health cover on your private medical insurance policy you will have quick access to a range of mental health treatments and specialist consultations

What mental health treatments could health insurance cover?

Treatments for mental health conditions could include in-patient, day-patient and out-patient care, in addition to specialist consultations with psychologists and psychotherapists. Specific therapies could include:

  • Cognitive Behavioural Therapy (CBT)
  • Cognitive Analytical Therapy (CAT)
  • Dialectical Behavioural Therapy (DBT)

Do psychiatric issues class as pre-existing medical conditions?

Yes, which means it’s important you disclose this as part of your medical history when your underwriting is applied. If you don’t, you risk your future claims being rejected by your insurance provider, as you didn’t tell them all the relevant information. 

We can help you find a Health Insurance Policy that includes mental health cover

At Chase Templeton we’re experts in understanding and explaining to you the ins and outs of  private health insurance policies. If you’ve experienced mental health conditions in the past, or are just looking for a policy that will cover you whatever the situation, we can help - Contact Us today.