Mental Health Navigator

Vivo Specialist Care

Expert mental health guidance that could change your life.

Staying mentally healthy is every bit as important as your physical health. However, some people may still be hesitant about seeking support for their mental health.

Be reassured that mental health issues are not uncommon. In Australia, an estimated 44% of people aged 16-85* have experienced a mental health issue. The most common include anxiety, stress, depression or substance abuse.

Mental Health Navigator supports you to connect with a mental health professional quickly and easily.

The service offers online and telehealth access to a network of qualified psychologists and psychiatrists based in Australia.

You’ll get an expert assessment of your mental health and, if it will assist you, a tailored treatment plan.

A dedicated psychologist can then support you and your GP to put your treatment plan into action.

Please note that any information you share with the mlcoa team will not be shared with MLC Life Insurance and will not affect your insurance.

*Australian Institute of Health and Welfare, “Prevalence and impact of mental illness”, accessed 26 June 2023

Get started with

Mental Health Navigator

Who has access to this service?

Mental Health Navigator is available to people insured by MLC Life Insurance, members/employees of our superfund/employer partners (where MLC Life Insurance is the primary insurer), and their immediate family members. Additionally, financial advisers who have a partnership with MLC Life Insurance and staff of their practices can also access our service.

You must be aged 18 or over to access this service. It is not suitable for anyone currently in hospital. We’ll confirm your eligibility when you submit an enquiry for Mental Health Navigator with the Vivo wellbeing team.


Mental Health Navigator sessions are tailored to each person’s situation, so the duration varies.

Who does this service suit?

Mental Health Navigator can assist if you’re feeling stressed, anxious, or depressed, or are diagnosed with a mental health condition and need additional support.

If you’ve never spoken to a professional about your mental health, this service is an easy way to ask for help.

What to expect

Initial assessment

After you’ve requested a consultation by emailing, our service partners at mlcoa (mlcoa is part of the MedHealth Group of companies and the largest provider of Independent Medical Opinions in Australia) will connect you with a psychologist for an initial assessment. With your consent, our service partners will also gather any relevant medical records for review.

Review of initial assessment

A psychologist will phone you and conduct an over-the-phone assessment of your situation. They will then tailor an appropriate treatment plan. If relevant, the psychologist will involve a qualified psychiatrist to also consider your situation, define your diagnosis and recommend treatment.

Guidance for treatment

After the review, you’ll receive a written report detailing your diagnosis and recommendations for treatment. Your psychologist will arrange a telehealth appointment to walk you through the report and answer any questions you may have about your condition and the suggested treatment options. With your consent, your psychologist will also consult with your GP to help put a treatment plan into action.

Support for you and your GP

If appropriate, and with your consent, the psychologist can offer continued support for a period to help you access a Mental Health Treatment Plan, locate suitable treatment providers, identify relevant support services and to check in on your progress.


“It’s been really great to see some improvement in some of Mark’s symptoms, and to be able to support him to return to some functionality and to work.”

Mark’s mental health nurse

Reach out to Vivo

Frequently Asked Questions

If you've got a question, view our FAQs first.

Need emergency assistance?

If you are in an emergency situation or need immediate assistance, contact emergency services on 000.

If you need to speak to someone urgently, call Lifeline 13 11 14 or Suicide Call Back Service 1300 659 467.

Getting started with Vivo

Vivo services are available at no additional cost to those insured by MLC Life Insurance. You may also have Vivo available to you if your employer/super fund has a partnership with us*.

Simply get in touch with our team, by emailing

Upon receiving your email, we will reach out to discuss how we can help you.

*The services that are available for your access depends on and may be limited by arrangements we have with the service providers we have partnered with and/or agreements we have entered into with the owner of the policy (such as the trustee or employer for group insurance policies).

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The Vivo wellness webinars are made available to you by MLC Limited (MLC Life Insurance) ABN 90 000 000 402 AFSL 230694 as part of its Vivo program. Anyone can access these wellness webinars. The wellness webinars do not replace your relationship with and care from your current doctor, other treating health providers and health consultants. The presentations reflect the expertise and opinions of the specialists and professionals. MLC Limited accepts no liability for any information provided in the webinars.