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.

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Useful contacts

Who else could help?

Association of British Insurers (ABI)

0207 600 3333

abi.org.uk

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

 

 

British Insurance Brokers' Association

03709 501 790

biba.org.uk

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: 03454 04 05 06

Wales: 03454 04 05 05

citizensadvice.org.uk

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

 

 

Equality Advisory Support Service (EASS)

08088 000 082

equalityadvisoryservice.com

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

 

 

European Health Insurance Card (EHIC)

Automated telephone service: 03003 301 350

ehic.org.uk

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)

financial-ombudsman.org.uk

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.

 

 

GOV.UK

gov.uk

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

lawcentres.org.uk

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

 

 

The Law Society

lawsociety.org.uk/find-a-solicitor

Online database to find a solicitor in your area.

 

 

Money Advice Service

0800 138 7777

moneyadviceservice.org.uk

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

 

 

Which? 

which.co.uk

Provides consumer information on choosing private medical insurance.


This information was published in April 2018 – to be revised in 2021. References are available on request. If you would like to reproduce any of this information see our page on permissions and licensing.


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