Mental health — acute crisis, inpatient stay, and ongoing therapy
Inpatient psychiatric cover, ECT, eating disorder cover, and ongoing psychologist sessions compared.
You or a family member need cover for serious mental health treatment — acute admission, eating disorders, ECT, severe depression — not just routine outpatient therapy. Mental health benefit lines vary from $2k/year tokenistic to $50k+/year meaningful. The difference is the difference between cover and exclusion in practice.
Top policies for this scenario
Ranked by aggregate semantic match across 5 scenario-specific queries. Score reflects clause-level fit, not premium. We don't know what you'd pay — get a quote for the shortlist.
- score 1.82
#1 · Southern Cross
Wellbeing Two
Show matched clauses (4)
Query: "inpatient psychiatric hospitalisation cover annual limit" · similarity 68% · weight 1
Section B: What the Wellbeing plans cover > Psychiatric hospitalisation
**$3,500 each claims year (sub-limits apply)** This benefit provides cover for admission and care by a specialist who is vocationally registered in psychiatry in an approved facility. We'll cover the reasonable charges incurred for psychiatric admission and care, to a maximum of $3,500 each claims year. This limit includes the following sub-limits: - up to $700 for each night or day-stay in hos…
Source PDF →Query: "eating disorder treatment cover and exclusion" · similarity 51% · weight 0.9
Section C: What the Wellbeing plans don't cover > Healthcare services that we don't cover > Treatment of obesity
We don't cover any costs related to, or incurred as a consequence of, treatment of obesity (including weight loss surgery), except for what we cover under the 'Gastric banding or bypass allowance' on page 21. ---
Source PDF →Query: "psychologist therapy session annual cap" · similarity 46% · weight 0.8
Section B: What the Wellbeing plans cover > Consultations > Psychiatrist consultations
**$750 each claims year** This benefit provides cover for psychiatrist consultations performed by a specialist who is vocationally registered in psychiatry. We'll cover the reasonable charges incurred for consultations, to a maximum of $750 each claims year. No excess applies to this benefit. ---
Source PDF →Query: "ECT electroconvulsive therapy cover" · similarity 44% · weight 0.7
Section B: What the Wellbeing plans cover > Surgical treatment > Surgical procedures > Tooth extraction
This benefit provides cover for the complete extraction or partial removal of teeth if removal is required to be performed before an eligible surgical treatment, chemotherapy, or radiotherapy. You must be referred by the treating specialist for the eligible surgical treatment, chemotherapy, or radiotherapy. After 3 years of continuous cover on this plan, this benefit provides cover for the comple…
Source PDF → - score 1.40
#2 · Southern Cross
UltraCare
Show matched clauses (3)
Query: "inpatient psychiatric hospitalisation cover annual limit" · similarity 69% · weight 1
B – What the UltraCare plans cover > Psychiatric hospitalisation
**$3,500 each claims year (sub-limits apply)** This benefit provides cover for admission and care by a specialist who is vocationally registered in psychiatry in an approved facility. We'll cover the reasonable charges incurred for psychiatric admission and care, to a maximum of $3,500 each claims year. This limit includes the following sub-limits: - up to $700 for each night or day-stay in hos…
Source PDF →Query: "psychologist therapy session annual cap" · similarity 48% · weight 0.8
B – What the UltraCare plans cover > Consultations > Mental health consultations
**$1,500 each claims year** This benefit provides cover for consultations performed by a psychiatrist who is vocationally registered in psychiatry, or by a psychologist registered with the New Zealand Psychologists Board. We'll cover the reasonable charges incurred for consultations, to a maximum of $1,500 each claims year.
Source PDF →Query: "ECT electroconvulsive therapy cover" · similarity 46% · weight 0.7
B – What the UltraCare plans cover > Imaging and tests > Cardiac tests
**$5,000 each claims year** This benefit provides cover for cardiac tests performed in an approved facility only when you're referred by a specialist in private practice. For certain tests, eligibility criteria need to be met before we'll cover them. This benefit covers the following cardiac tests. - Advanced electrocardiogram (A-ECG) - Dobutamine stress echocardiogram - Echocardiogram - Exerc…
Source PDF → - score 1.37
#3 · Southern Cross
RegularCare
Show matched clauses (3)
Query: "inpatient psychiatric hospitalisation cover annual limit" · similarity 68% · weight 1
Section B: What the KiwiCare and the RegularCare plans cover > Psychiatric hospitalisation
**$2,250 each claims year** **(sub-limits apply)** This benefit provides cover for admission and care by a specialist who is vocationally registered in psychiatry in an approved facility. We'll cover 80% of the actual charges incurred for psychiatric admission and care, to a maximum of $2,250 each claims year. This limit includes the following sub-limits: - up to $450 for each night or day-stay…
Source PDF →Query: "psychologist therapy session annual cap" · similarity 46% · weight 0.8
Section B: What the KiwiCare and the RegularCare plans cover > Consultations > Psychiatrist consultations
**$600 each claims year** This benefit provides cover for psychiatrist consultations performed by a specialist who is vocationally registered in psychiatry. We'll cover 80% of the actual charges incurred for consultations, to a maximum of $600 each claims year. No excess applies to this benefit.
Source PDF →Query: "ECT electroconvulsive therapy cover" · similarity 45% · weight 0.7
Section B: What the KiwiCare and the RegularCare plans cover > Imaging and tests > Cardiac tests
**$3,000 each claims year** This benefit provides cover for cardiac tests performed by an Affiliated Provider contracted for cardiac tests, but only when you're referred by a specialist in private practice. For certain tests, eligibility criteria need to be met before we'll cover them. This benefit covers the following cardiac tests. - Advanced electrocardiogram (A-ECG) - Dobutamine stress ech…
Source PDF → - score 1.37
#4 · Southern Cross
KiwiCare
Show matched clauses (3)
Query: "inpatient psychiatric hospitalisation cover annual limit" · similarity 68% · weight 1
Section B: What the KiwiCare and the RegularCare plans cover > Psychiatric hospitalisation
**$2,250 each claims year (sub-limits apply)** This benefit provides cover for admission and care by a specialist who is vocationally registered in psychiatry in an approved facility. We'll cover 80% of the actual charges incurred for psychiatric admission and care, to a maximum of $2,250 each claims year. This limit includes the following sub-limits: - up to $450 for each night or day-stay in …
Source PDF →Query: "psychologist therapy session annual cap" · similarity 46% · weight 0.8
Section B: What the KiwiCare and the RegularCare plans cover > Consultations > Psychiatrist consultations
**$600 each claims year** This benefit provides cover for psychiatrist consultations performed by a specialist who is vocationally registered in psychiatry. We'll cover 80% of the actual charges incurred for consultations, to a maximum of $600 each claims year. No excess applies to this benefit.
Source PDF →Query: "ECT electroconvulsive therapy cover" · similarity 45% · weight 0.7
Section B: What the KiwiCare and the RegularCare plans cover > Imaging and tests > Cardiac tests
**$3,000 each claims year** This benefit provides cover for cardiac tests performed by an Affiliated Provider contracted for cardiac tests, but only when you're referred by a specialist in private practice. For certain tests, eligibility criteria need to be met before we'll cover them. This benefit covers the following cardiac tests. - Advanced electrocardiogram (A-ECG) - Dobutamine stress ech…
Source PDF → - score 1.03
#5 · UniMed
Hospital Select
Show matched clauses (2)
Query: "inpatient psychiatric hospitalisation cover annual limit" · similarity 63% · weight 1
Hospital Select Base Plan > PRIVATE HOSPITALISATION > Medical Hospitalisation
Cover is for Non Acute Medical Hospitalisation (excludes Psychiatric/Geriatric) in a Licensed Private Hospital, on admission and under the care of a Registered Medical Practitioner. Ancillary hospital charges. | Per Policy Year | 65,000 | | | 500 |
Source PDF →Query: "psychologist therapy session annual cap" · similarity 51% · weight 0.8
Hospital Select Base Plan > MENTAL HEALTH BENEFITS > Mental Health
This benefit covers the costs of Reasonable charges for consultations with a psychiatrist, psychologist, psychotherapist or counsellor. They must be registered either under the psychiatry scope with the Medical Council of New Zealand, as a psychologist with the New Zealand Psychologists Board, as a psychotherapist with the Psychotherapists Board of Aotearoa New Zealand, or as a counsellor with th…
Source PDF →
What to watch out for
- annual limit: Mental health limits of $2.5k vs $25k vs $250k are the most variable benefit line on NZ policies. Read the actual cap.
- eating disorder: Eating disorders are often specifically excluded or have separate (lower) sub-limits even when general mental health is covered.
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How this ranking works
This scenario translates to 5 semantic queries (weighted). Each query runs against every NZ health insurance policy clause we've ingested (3,000+ clauses across 5 insurers). The best clause-per-product per query contributes its similarity × weight to the product's aggregate score.
Try the underlying semantic clause search to run your own queries.
This is mechanical retrieval + ranking — not personalised financial advice. The actual policy you should buy depends on factors only an FSPR-registered adviser can assess (your medical history, budget, family composition, risk tolerance). Use this to shortlist, then talk to an adviser.