Does Critical Illness Cover Mental Health?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor


Critical illness insurance typically does not cover mental health conditions. It is designed to provide financial support for specific, severe physical health conditions like cancer, heart attack, or stroke. Mental health coverage, on the other hand, falls under health insurance plans.

Critical Illness Insurance vs. Health Insurance

  1. Critical Illness Insurance:
    • Focus: Covers a list of specific critical illnesses.
    • Coverage: Provides a lump sum payment if diagnosed with a covered illness.
    • Limitations: Generally does not include mental health disorders.
  2. Health Insurance:
    • Focus: Broader coverage, including physical and mental health.
    • Coverage: Typically covers consultations, treatments, and sometimes medications for mental health.
    • Inclusions: Mental health disorders are often included, subject to the terms of the policy.

Importance of Understanding Policy Details

  • Policy Variations: Coverage details can vary significantly between policies.
  • Reading Fine Print: It’s crucial to understand what is and isn’t covered in your policy.


Critical illness insurance is not typically the right choice for mental health coverage; this is usually the domain of health insurance plans. Understanding the specific details and limitations of your insurance policy is essential. Contact us today for a free quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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