According to the Health and Safety Executive (HSE), 1 in 4 people will experience a mental health condition in their lifetime. Work can sometimes heighten pre-existing mental health conditions, such as anxiety and depression, and the pressures of the workplace can also trigger stress. But are any conditions that arise covered by insurance? Many employees are often unsure whether mental health would be taken care of under their benefits. So we have good news: for those affected, Health Insurance can not only cover a wide range of mental health conditions but also support treatment and costs associated with getting better — making a significant impact on recovery times.Accessing mental health treatmentTreatment for mental health conditions is available through the NHS, but there can be long waiting times. That’s where Health Insurance shines: it offers faster access to specialists and support — oftentimes online or on the phone. The speed at which you can access care is crucial for mental wellness. Prompt treatment can often prevent conditions from worsening and help your people return to their daily lives quicker. What mental health conditions are covered by Health Insurance?While what’s covered can vary depending on the plan selected, Business Health Insurance typically covers a range of mental health diagnoses, including:AnxietyDepressionBipolar disorderEating disordersOCDphobiasPTSD postnatal depressionHowever, many providers won’t cover mental health conditions that are pre-existing.Other types of chronic conditions such as dementia that do not have a definitive cure, are often not covered by Health Insurance. Behavioural and developmental conditions may also be excluded.Coverage can vary significantly across policies and insurers, so it's important to review and compare options to ensure you are choosing the right protection for you and your team’s needs.Will my Health Insurance cover therapy and counselling?Many insurance plans cover sessions with licensed therapists or counsellors. This includes various forms of therapy, such as psychotherapy, and family counselling.Cognitive behavioural therapy (CBT) is a form of psychotherapy that aims to identify connections between your thoughts, feelings and behaviours, and to help you develop practical skills to manage any negative patterns that may be disruptive to your everyday life. Insurers may impose limits on mental health coverage, such as a cap on the number of therapy sessions someone can claim for or a maximum coverage amount. What about psychiatric services?Coverage often extends to psychiatric evaluations and treatments. This can include consultations with psychiatrists and medication management for mental health conditions. Again, coverage varies depending on the provider and the terms of the policy, so check the details of your plan carefully to see what’s included.How YuLife is leading the way… Group Health Insurance with YuLife x Bupa offers the most extensive mental health cover on the market as standard, with unlimited virtual and anonymous support from top-rated mental health professionals that your team can access anytime, anywhere. Unlike many providers, YuLife’s Group Health Insurance also includes in-patient and day-patient treatment and help for addictions.But prevention is always better than cure, which is why investing in Health Insurance for your business with Bupa through YuLife also gives your people access to a Wellbeing Hub where they will find services such as a Virtual GP and an Employee Assistance Programme (EAP).The EAP offers a whole range of wellness tools designed to tackle potential mental health triggers before they escalate, including a financial and legal helpline to address money concerns, counselling services and bereavement support. Plus our #1-rated wellbeing app rewards your people for staying well, promoting activities such as walking, cycling and yoga which we know can be hugely beneficial for mental health. Employees are also encouraged to complete mindfulness tasks, such as breathing exercises and meditation. The more your people participate in healthy activities, the more YuCoin they can earn, which can be exchanged for shopping vouchers, or even donated to charity. Extra incentives can be vital in getting people to adopt more healthy life choices, especially given that 65% of people say that they would do more physical activity if they were rewarded for it by their employer – and that's exactly what YuCoin does.HR workshops covering topics such as menopause and occupational burnout also provide your teams with the tools they need to offer support when it’s needed.About YuLife.YuLife is working to reimagine the insurance industry by protecting lives, rewarding living and inspiring life. We’re on a mission to transform traditional insurance into a life-enhancing experience each employee will value and use daily. How does it work?Our award-winning app uses behavioural science and game mechanics to reward your people for living well while offering protection in case of crisis. And with our top-rated employee assistance programme, your team gets access to mental, financial and social support, virtual GPs, nutritionists, life coaches and more to help them live their best lives.Because we believe that your employees should benefit from their insurance from day one — and that wellbeing should be accessible every day, for everyone.Request a demo for your team today.