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How your cover can assist with mental health services

With the rate of mental health issues in Australia on the rise, a welcome reform to private hospital cover is helping to make in-hospital mental health services more accessible to those impacted when they need it most.

Woman speaking with psychologist

One in five Australians experience a mental health condition in a given year, and almost one in two will experience a mental health condition at some point in their lifetime1.

Data from the Medibank Better Health Index suggests certain conditions — including anxiety, depression and panic attacks — are on the rise, with each showing a marked increase over the past six years.

This has prompted action from the government, announcing a reform to the way private health insurers can offer support for their members that require professional help.

Removing the barriers to getting help

From 1 April 2018, a Mental Health Waiver has been introduced to enable eligible private hospital insurance members to upgrade their level of cover to a policy with Included in-hospital psychiatric treatment and elect to have the 2 month waiting period for those higher benefits waived.

This means somebody on a basic or mid-level of hospital cover can immediately upgrade their cover and access higher benefits towards in-hospital psychiatric treatment.

To use the Mental Health Waiver, members need to contact Medibank on 132 331, visit a store or engage via 24/7 live chat. A member can also grant authority to another person to make changes to their policy on their behalf.

Important information: To be eligible to use the Mental Health Waiver, members must have served an initial 2 month waiting period for Restricted/Limited in-hospital psychiatric treatment and upgrade to a cover with Included in-hospital psychiatric treatment (without a break in cover of more than 2 months). Members will only be able to use the Mental Health Waiver once in their lifetime. The waiver only applies to the 2 month waiting period for the higher Included benefits for in-hospital psychiatric services. All other applicable waiting periods will continue to apply.

You can read more about the Mental Health Waiver here.

Medibank going the extra step with extras services

In addition to the reforms that apply to hospital cover, Medibank has removed the 2 month waiting period on psychology services on marketable extras and packaged products as of 1 April 2018. This means members upgrading to these products can immediately access clinical psychology extras benefits (up to annual limits).

How to seek help for mental health issues

Speak to your GP

If you’re concerned about your mental health, you should start by talking to your GP. Your GP can assess your symptoms to make a diagnosis, develop a mental health care plan specific to your needs, and provide a referral for a mental health specialist.

Psychiatrists, psychologists, counsellors….what’s the difference?

Once you’ve got a mental health care plan, your doctor may refer you to a specialist who can help. This could be a psychiatrist, psychologist or counsellor. Under Medicare, everyone with a care plan is entitled to 10 subsidised specialist appointments per year . Whilst Medibank don’t fund these sessions in addition to the subsidy from Medicare, if you have extras cover that includes psychology we will pay benefits towards subsequent sessions with a psychologist (up to annual limits).


Counsellor is a generic term for someone who offers talking therapy and may be a psychologist, nurse, social worker or occupational therapist. It’s a good idea to check that your counsellor has training in an area that is appropriate for your needs The Australian Counselling Association has a ‘Find a counsellor’ function that may be of help in your search.


Psychologists can provide a range of therapies (eg. talking therapy, art therapy) to deal with problems like depression, anxiety, stress and grief. Psychologists have undertaken a tertiary qualification in their field and must be registered to work with the Psychology Board of Australia.


While psychologists and psychiatrists share many similarities, the major difference between the two professions is that psychiatrists specialise in the biological causes of mental illness, while psychologists focus more on the cognitive and behavioural aspects. Psychiatrists are able to prescribe medications and admit people to hospital, while psychologists cannot.

Hospital services

Some people who experience mental health problems may need to spend some time in hospital. Both public and private hospitals provide mental health services. You may be referred to a hospital through an emergency department, community mental health team or your GP.

Online resources

In addition to in-person services, there are also a number of online resources available, including:

  • beyondblue for information and advice, as well as an online live chat. You can also call and speak to someone 24 hours a day on 1300 22 4636.
  • Lifeline for crisis support and suicide prevention services with an online live chat. You can also call them 24 hours a day on 13 11 14.

Medibank and beyondblue have also joined forces on a mental health portal. It contains tools to help people and their loved ones identify and get support for mental health issues. It features interactive content, including videos and checklists with advice from beyondblue and Medibank mental health experts.

Australian Bureau of Statistics. (2008). National Survey of Mental Health and Wellbeing: Summary of Results, 2007 (4326.0). Canberra: Australian Bureau of Statistics.

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