Psychology counselling under health insurance?

Hi all,

I’m looking to get a health insurance for myself.

From what I’ve learned so far, counseling sessions aren’t covered in it unless there’s a surgery after an accident.

I’m wondering if any of you’ve had experience claiming your health insurance for counselling sessions:

1/ post surgery

2/ post child birth

3/ post an accident but no surgery

4/ counselling for general well being (sounds impossible as I write this but still shooting my shot).