Although many health insurance policies claim to cover a second opinion, it largely depends on the disease and its severity. If an insured is diagnosed with a critical illness like cancer, organ transplants, kidney failure, brain stroke or cardiac issues, getting a second opinion can offer a different approach to the diagnosis or to the further course of treatment. Depending on the health insurance policy that you have and on the severity of the disease, some health insurance companies may cover the cost of a second opinion as well. So when buying make sure you ask the insurer, “Are second opinions covered in health insurance?”