Therapy Cover Private Medical Insurance

UK private health insurance can include cover for therapy, counselling and structured talking therapies such as cognitive behavioural therapy (CBT). Cover, session limits and access routes vary between insurers. Pre-existing mental health conditions are usually excluded.

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How Therapy Cover Typically Works

Cover applies to new conditions arising after the policy starts.

CBT, Counselling & Talking Therapies

Eligible therapies commonly include cognitive behavioural therapy (CBT), counselling and structured talking therapies for new episodes of depression, anxiety and stress-related conditions. Sessions are typically capped per policy year, with caps varying by insurer.

Session Limits & Access Routes

Most insurers set annual session limits and require a GP or telephone-helpline referral before therapy is funded. Some plans offer direct-access mental health pathways without a GP visit. A broker compares each insurer's session caps and approved therapist networks.

Pre-Existing Conditions Excluded

Existing or previously diagnosed mental health conditions are generally excluded under both moratorium and full medical underwriting. Some insurers reconsider after a sustained symptom-free and treatment-free period, typically 2-5 years.