Mental health cover in private health insurance
Mental health cover is often optional, and may be limited to out-patient sessions or a number of in-patient days.
Published by Beyond Leads Limited · 27 October 2026
General information only, not insurance or medical advice. health-quote.co.uk is an FCA introducer, not a broker or insurer. We do not recommend policies or arrange cover.
Key points
Policies may cover talking therapies, psychiatric consultations or in-patient psychiatric treatment, in differing amounts.
Some insurers offer mental health support lines as an added service separate from claims cover.
What to check in the policy documents
Policy terms differ between insurers. When looking at this topic, the documents to read are the policy summary, the full policy wording and your schedule. Points worth checking include: whether mental health is core or optional; session or day limits; how pre-existing mental health conditions are treated.
This page cannot confirm whether any person, condition or treatment would be covered. That depends on the insurer's terms and decision.
Who can answer questions about your situation?
health-quote.co.uk is a trading name of Beyond Leads Limited (FCA firm reference 940006). We are an introducer, not a broker or insurer, and we do not give prices, recommendations or advice.
If you send an enquiry, we introduce it to Complete Insurance, an FCA-authorised broker, who can discuss your requirements and explain any quotation. There is no obligation to proceed.