Mental health is a broad term that includes mindfulness, emotional wellbeing, psychological resilience, and even what many refer to as mental fitness or mental crisis. At some point, most people face challenges with their mental health. It can feel overwhelming, especially when it seems like nothing is helping, and feelings of anxiety, depression, or unhappiness persist despite your efforts.
Fortunately, many medical schemes in South Africa offer support for mental health through a range of benefits. These may include consultations with psychologists and psychiatrists, prescribed medication, therapy sessions, and in-hospital treatment for acute mental health crises. Some schemes go further by offering digital support tools like internet-based Cognitive Behavioural Therapy (iCBT) and disease management programmes for conditions such as depression and anxiety.
What is typically covered?
- Consultations – Access to psychologists, psychiatrists, and even general practitioners (GPs) for initial support and referrals.
- Therapy – Coverage may include individual or group therapy sessions, usually with network providers.
- Prescribed medication – Medication for mental health conditions, such as antidepressants and mood stabilisers, is often covered.
- In-hospital treatment – For severe mental health episodes, in-hospital care may be included.
- Disease management programmes – Some medical schemes offer dedicated mental health programmes with additional support for chronic conditions like depression.
- Digital interventions – iCBT may be available, typically via referral from a healthcare provider.
It is important to check the details of your specific plan, as benefits can vary significantly between medical schemes.
How to access these benefits
- Contact your medical scheme
Start by reaching out to your scheme to understand what mental health benefits are available under your plan. - Get a referral
You may need a referral from a nominated GP or wellness programme provider to access specialist care. - Enrol in a programme
Some benefits, especially those under mental health care programmes, require formal enrolment. - Use network providers
To ensure your claims are covered, consult with healthcare professionals within your scheme’s approved network.
Health Connect 9/2025