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  • FIRST POST
    • nightofjoy
    • By nightofjoy 13th Sep 18, 1:05 PM
    • 88Posts
    • 20Thanks
    nightofjoy
    Insurance covering mental health issues
    • #1
    • 13th Sep 18, 1:05 PM
    Insurance covering mental health issues 13th Sep 18 at 1:05 PM
    Hi.

    I'm looking to find some kind of health/life insurance policy. I was wondering if anyone on here has found an insurer that was very good about mental health issues?

    I don't want the policy to cover a fortune, myself and my gf rent - no mortgage, and my requirements after I'm gone - should anything happen - as as cheap as can be. I'd just like to make sure our rent was covered for a while.

    I'm not in bad health physically, part time smoker/drinker, regular gym goer, healthy diet, but from my initial investigations, filling in the quote forms gets complicated when it gets to the section on mental health, and at that point, they often demand a phone call to discuss it further.

    My mental health (depression and anxiety) goes up and down. Obviously I wouldn't expect a payout if I ended my life, but rather than have to go into it in painful detail, couldn't there just be a clause saying I'm covered for everything apart from that?

    I also understand I'm likely to pay a premium for alcohol & tobacco use, and we do have some health issues in the family, but I'd be prepared to pay a little more for basic cover.

    Anyone out there had a good experience with health insurers on these issues paying out without putting you through the wringer, and that you have confidence in them paying out at least something should anything happen?

    I'm paranoid that I'll forget to cross a T, dot an I on the form, or not mention something in my health history, and when I'm gone they refuse to pay out....

    Thanks.
Page 1
    • Quentin
    • By Quentin 13th Sep 18, 1:27 PM
    • 37,323 Posts
    • 21,509 Thanks
    Quentin
    • #2
    • 13th Sep 18, 1:27 PM
    • #2
    • 13th Sep 18, 1:27 PM
    See if any of the depression/mental health charity's websites have sympathetic insurance companies or specialist brokers listed
    • nightofjoy
    • By nightofjoy 13th Sep 18, 1:33 PM
    • 88 Posts
    • 20 Thanks
    nightofjoy
    • #3
    • 13th Sep 18, 1:33 PM
    • #3
    • 13th Sep 18, 1:33 PM
    That's a really good idea that I hadn't thought of.... thanks.
    • ACIFA
    • By ACIFA 14th Sep 18, 2:09 PM
    • 1 Posts
    • 0 Thanks
    ACIFA
    • #4
    • 14th Sep 18, 2:09 PM
    • #4
    • 14th Sep 18, 2:09 PM
    Some companies will exclude certain conditions and some will "load" premiums due to increased risk. If you speak to an IFA, they can speak to underwriters prior to applying to get an indication of which provider to use for you. You would need to provide the details of your condition though as otherwise the insurer will not know the risk of what they are insuring.
    Hope this helps
    • nightofjoy
    • By nightofjoy 14th Sep 18, 2:21 PM
    • 88 Posts
    • 20 Thanks
    nightofjoy
    • #5
    • 14th Sep 18, 2:21 PM
    • #5
    • 14th Sep 18, 2:21 PM
    Some companies will exclude certain conditions and some will "load" premiums due to increased risk. If you speak to an IFA, they can speak to underwriters prior to applying to get an indication of which provider to use for you. You would need to provide the details of your condition though as otherwise the insurer will not know the risk of what they are insuring.
    Hope this helps
    Originally posted by ACIFA
    Yeah, this is all really helpful - thanks.
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