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

Travelling with eating disorders

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

Juliette Burton
Posted on 10/08/2015

Why benefits assessments need to change

Ayaz explains what a new report on benefits assessments means, and how our campaigners have made a difference.

Ayaz Manji, Mind Policy & Campaigns Officer
Posted on 14/02/2018

Bipolar disorder: what I wish someone had told me.

Eleanor Segall
Posted on 04/12/2017

Useful contacts

Who else could help?

Association of British Insurers (ABI)

0207 600 3333

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



British Insurance Brokers' Association

03709 501 790

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

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

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



European Health Insurance Card (EHIC)

Automated telephone service: 03003 301 350

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

0800 138 7777

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 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.

Mental Health A-Z

Information and advice on a huge range of mental health topics

> Read our A-Z


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

> Find out more

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