- 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.
We know that money and mental health problems often go hand in hand. That’s why Rethink Mental Illness, as part of Mental Health UK, have set up a new website. It will help you understand, manage and improve your mental and financial health. You can find a wide range of information to help you with insurance. Just visit www.mentalhealthandmoneyadvice.org to find out more.
These pages are created by Rethink Mental Illness' Advice and Information Service. Last reviewed in July 2017. Next review July 2020.
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