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.

James, Voices of Mind
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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