Accident and sickness insurance is a big concern for the many workers who have to cope with mental illness as part of their working life. It can be really tricky to find adequate insurance cover for depression, as the illness is much more difficult to define and to treat than a more obvious physical complaint.


So, can you still get accident and sickness insurance if you have mental health problems? Will you be in a position to get the cover that you require from accident and sickness insurance? Will an insurance policy help you to deal with the reality of working with mental health issues? In this article you will find some of the information you need to know to understand the issues surrounding accident and sickness insurance and mental illnesses.


From the point of view of the insurance provider, "High risk" candidates are only very grudgingly provided with insurance as these candidates as more liable to need thier cover in the future. Unfortunately this makes finding decent sickness and accident insurance very difficult if you have, or have ever suffered with, depression. This means that those who suffer with a mental health condition have to pay far more for insurance because they are forced to go with providers who are more willing to sell to high risk clients, thus raising the premiums they have to charge each client for their accident and sickness insurance.


Although times are altering in the realm of insurance, depression sufferers will have only seen such changes recently. You only have to go as far back as 1996, when a shocking 25% of people who had ever required the use of mental health services were denied insurance. Furthermore, these are just the numbers of people for whom insurance companies had details of their mental health. Fortunately it has now been ruled illegal to do this - in 2010, the Equality Act made it illegal to discriminate against those living with mental health disabilities. If you peruse Part III, you'll discover that it is now illegal to fail to sell goods and services at a fair and reasonable rate on the basis of any type of discrimination. This means it is a legal obligation for insurers to provide you with cover, and to do so reasonably and fairly into the bargain. However it is still a bit of a grey area to enforce such laws to this day.


Below is a list of thing to remember if you wish to obtain accident and sickness insurance to cover your mental illness:

  1. Always be open regarding your mental illness when organising accident and sickness insurance. It may not seem such a big deal to just not bring it up, but if your insurance provider discovers that you failed to provide important information, your entire cover could become invalidated. This will leave you high and dry without any protection, and you will have frittered a lot of cash on insurance you can't use.
  2. Another great move is to ensure you shop around. Different accident and sickness insurance groups will have different policies, and different formulas when they calculate accident and sickness insurance prices. It can really pay to source quotes from a number of different companies.
  3. Do not be too concerned about speaking to insurance companies if you live with a mental health issue. You are just as entitled to the advantages that decent accident and sickness cover can give you as anybody else (In fact it is law that you are). You will really appreciate the stress-relief that good insurance can provide should you suffer any long term bouts of illness. 
  4. When it comes to accident and sickness insurance, it is important to find an insurance provider who can give you professionalism, care and quality. This may involve additional shopping around, but it is worth the extra work in order to find a company that is understanding of your illness.