Mental Health Coverage In Private Health Insurance

While some policies mandate a GP referral, the best policies allow you to access specialist care (psychiatrist/counselor) more quickly, bypassing unnecessary delays. Check if the policy has a 'direct access' clause.

Not always, but coverage rules are incredibly strict. Always request written confirmation on how long your current condition must have been stable (e.g., 2 years) before full coverage is reinstated.

The deductible is the amount you pay before the insurance starts paying. The excess is the amount you pay *per claim*, even after the deductible has been met. Be aware of both.