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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.

Mind's services

  • Mind's helplines provide information and support by phone and email.
  • Local Minds offer face-to-face services across England and Wales. These services include talking therapies, peer support and advocacy.
  • Side by Side is our supportive online community for anyone experiencing a mental health problem.

Other organisations

Association of British Insurers (ABI)

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.

Citizens Advice

0800 144 8848 (England Adviceline)
0800 702 2020 (Wales Adviceline)
0800 144 8884 (Relay UK, textphone)
citizensadvice.org.uk
Free, confidential information and advice on your rights, including money, housing, legal and other problems.

Equality Advisory Support Service (EASS)

0808 800 0082 (helpline)
0808 800 0084 (textphone)
equalityadvisoryservice.com
Advice on issues relating to equality and human rights, including advice for disabled people.

European Health Insurance Card (EHIC)

03003 301 350
ehic.org.uk
Visit the website to apply.

Financial Ombudsman Service (FOS)

0800 023 4567
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
Lists government services and information.

Law Centres Network

lawcentres.org.uk
Information about Law Centres, which defend the legal rights of people who can't afford a lawyer. Includes a searchable directory.

Law Society

lawsociety.org.uk
Professional association for solicitors in England and Wales. Includes a searchable directory of solicitors.

Money Advice Service

0800 138 7777
moneyadviceservice.org.uk
Provides free and impartial money advice.

Which?

which.co.uk
Provides consumer information on choosing private medical insurance.

This information was published in April 2018. We will revise it 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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