Introduction
Health is the most important thing to us all, yet everyone takes it for granted. Almost nobody realizes the importance having a good health, both physically and mentally. Here is where the importance of a health insurance increases. In UK, especially, very few people have health insurance. The population relies mostly on the National Health Service, which pays for the health services through the tax revenue of the citizens. However, not everyone can benefit from the National Health Service (NHS), which is why the importance of individual health insurance increases even more. Moreover, a growing problem is that of mental health. UK mental health problems have been on a rise, but they are mostly not covered by the National Health Service. In such a scenario, an individual’s need to buy a UK mental health insurance plan becomes even more crucial.
History
Mental health problems have haunted people throughout history, but due to the lack of advancement in the field of psychology, such issues have gone unnoticed during the major chunk of human history. However, there’s a lot of evidence about the personality of various figures in history who have shown traits of a mentally ill. Some were seen as schizophrenic, while others were seen as having other behavioral disorders, like borderline personality disorder, bipolar disorders and obsessive compulsive disorder.
Recently, in the last century at least, great developments have been made in the field of psychology and mental health. Also, insurance companies have also realized that mental health is an important issue in today’s world, especially when we’re dealing with the case of depression. Such problems have resulted in insurance companies to accommodate in mental health issues in their insurance plan.
UK mental health is a rising problem but not everyone can afford treatment for their mental illness. This is why insurance plan is important. UK mental health insurance plan, however, has a lot of clauses to it. Like every insurance company, UK insurance companies also grant insurance after properly assessing the risks associated with the individual seeking insurance. This also defines the premium to be paid by the individual, which in accordance with the risks associated with the individual.
The UK mental health insurance plan contains certain clauses for which insurance is not provided. In the case of mental health, insurance cover will not cover learning difficulties and behavioral problems. Behavioral problems include mental disorders, schizophrenia, anxiety disorders, dissociative disorders and personality disorders. UK mental health insurance companies cover mostly depression. The insurance companies will cover payments for your tests and consultation fee of the professional psychologist. Some UK mental health insurance companies have their own psychologists who would do the counseling. However, the portion of the payment that you pay increases every time you go for the counseling session. The maximum amount it can increase is up to 50%.
Tips and comments
Insurance can be cheap and expensive, both. It really depends on how much you've analyzed different insurance companies. Also different companies provide different range of services. The best thing to do is to scrutinize what services are being offered by the different insurance companies out there. In the case of UK mental health insurance plan, study deeply that which company would cover your mental health issues to a greater proportion than others. There’ll be very few insurance companies that will cover costs of your mental health, so opt for the one that will benefit you the most. Mental health issues can happen to anyone, so it’s always nice to have your insurance company covering your mental health costs.
