GP consultations for mental health (e.g. GP assessment)
Usually covered
If seeing a GP about depression, anxiety, etc., this is typically within basic cover. OSHC/OVHC policies often treat it the same as any other GP visit.
Psychological / counselling sessions (outpatient)
Sometimes / partially
Many insurers cover psychology or counselling under “out-of-hospital” or “allied health” benefits - but only if the practitioner accepts Medicare Benefits Schedule (MBS) billing or the insurer’s scheme. Gap fees (difference between what practitioner charges and what insurer reimburses) may apply. Allianz OSHC, for example, states that mental health practitioners in its network “charge the MBS benefit amount” as direct billing. Allianz Care Australia
Psychiatrist / specialist consultations
Sometimes
If psychiatrists bill via Medicare items or are recognised specialists, insurer may cover part. But again, gap payments or restrictions may apply.
Inpatient psychiatric / hospital mental health treatment
More likely
Hospital stays for mental health crises (e.g. severe depression, psychosis) are more likely to be covered under hospital benefits of the policy. Many OSHC/OVHC policies include admitted-patient mental health care. Some policies also cover hospital day programs.
Telehealth / virtual counselling
Increasingly offered
Many insurers now allow telehealth mental health services (video/phone) as part of mental health network or allied health benefits. Allianz OSHC, for instance, supports telehealth for mental health services. Allianz Care Australia
Prescription medications for mental health
Rare / limited
Most OSHC / OVHC policies do not cover outpatient prescription costs in full. If a medicine is administered during hospitalisation, it may be part of hospital benefit.
Alternative therapies (e.g. hypnotherapy, art therapy)
Usually excluded or limited
These are often classified as “extras” or excluded services.
Unlimited counselling / therapy sessions
Rare
Insurers frequently place caps (annual session limits), dollar ceilings, or require additional “extras” cover.
“My health cover doesn’t cover mental health, so I shouldn’t try.”
→ Even if your policy has limited mental health benefits, GP visits and hospital care are often covered, and many insurers now include telehealth or digital support.
“It’s too costly / risky to see a psychologist.”
→ Many insurers cap session numbers, but mental health is a health need just like physical health. Also, gap amounts vary — some in-network providers accept standard rates.
“My visa or cover doesn’t allow me to seek mental health help.”
→ No. Having OSHC / OVHC does not stop you from seeking professional mental health support. The key is checking your coverage, getting referrals, and working with in-network providers.
Delays due to waitlists
→ Even when services are covered, community or public systems may have long wait times (sometimes months). Encouraging early help-seeking and using interim supports (digital tools, university counselling) can be crucial.
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