Insurance and mental illness

This page explains your rights when buying insurance. It also offers an overview of the main types of insurance available, and the rules about mental illness.

Overview

  • You may find that standard insurance policies will not cover you if you have a mental illness. You might have to buy a more expensive policy to get the cover you need.
  • It is illegal for an insurer to refuse to give you insurance cover because of your mental health. Unless they can give evidence that you are more likely to make a claim.
  • You could make a complaint to the insurance company if you feel you have been discriminated against because of your mental illness.
  • You could take your complaint to the Financial Ombudsman Service and the Equality and Human Rights Commission,
  • You may be able to take legal action against the insurance company.
  • Some insurance companies will give you insurance cover even if you have a pre-existing medical condition.

 

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