Insurance cover and mental health

Explains how mental health problems can affect insurance cover, what your rights are, and how to choose the right cover for you. Includes a list of specialist insurance providers.

Your stories

I took mental health to Parliament

James went to Parliament last week to ensure mental health is at the heart of the 2015 Election debate.

Posted on 23/06/2014

Benefit sanctions - calling for change

Andy Kempster, Policy and Campaigns Officer, explains why we're campaigning on benefit sanctions.

Posted on 13/01/2015

Travelling with eating disorders

Juliette Burton blogs about the challenges of travelling with an eating disorder.

Juliette Burton
Posted on 10/08/2015

Association of British Insurers (ABI)

Provides information about insurance and a list of accredited insurers. Produces best-practice guidelines for insurance companies.

British Insurance Brokers' Association

0870 950 1790

Provides information about insurance, and 'find a broker' service to find specialist insurers, who offer cover based on factors such as medical conditions.

Citizen’s Advice

England: 03444 111 444

Wales: 03444 77 20 20

Free, confidential and independent advice on a range of issues, including legal advice about making a claim.

Equality Advisory Support Service (EASS)

0808 800 0082

Free advice and information for people who may have experienced discrimination.

European Health Insurance Card (EHIC)

automated telephone service: 0300 330 1350

Visit the website to apply.

Financial Ombudsman Service (FOS)

0800 023 4567 (freephone from a landline)

0300 123 9 123 (if you want to avoid high tariffs when calling from a mobile)

An independent organisation that deals with individual complaints between consumers and companies that supply financial services. A telephone interpretation service is available for non-English speakers.


The UK government's official website. Contains guidance for British nationals with a mental health problem on foreign travel, and foreign travel insurance.

Law Centres Network

Find a local Law Centre where you can get free legal advice and representation if you can’t afford a lawyer.

The Law Society

Online database to find a solicitor in your area.

Money Advice Service

0300 500 5000

Free, impartial advice about money matters, including information about insurance and details about how to make a complaint against an insurance company.


Provides consumer information on choosing private medical insurance.

This information was published in August 2015. We will revise it in 2018.

Mental Health A-Z

Information and advice on a huge range of mental health topics

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Helping you to better understand and support people with mental health problems

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