MENTAL HEALTH SUPPORT

We do not exclude specific mental health conditions but cover is subject to benefit limitations and the underwriting method on the policy. Exclusions may also be in place for behavioural and developmental conditions or long-term chronic and incurable conditions.

We cover outpatient, inpatient or day patient treatment of a mental health condition, up to the policy limits. Counselling is provided through the Mental Health Direct Access service for over-18s only.

No, we do not cover treatment relating to learning disorders, speech delay, educational problems, behavioural problems, physical development or psychological development and the assessment or grading of such problems.

This includes, but is not limited to, problems such as dyslexia, dyspraxia, autistic spectrum disorder, attention deficit hyperactivity disorder (ADHD) and speech and language problems, including speech therapy needed because of another medical condition.

If you experience stress, anxiety or any mental health concerns, call the Claims Helpline for prompt support. They will book a direct access appointment with a clinician, who will do an assessment and recommend an appropriate treatment plan.

This could be phone or face-to-face counselling, psychotherapy, a psychiatrist or psychologist consultation or self-help advice.

No.

There is no need to tell us all about your medical history with a Moratorium underwriting method. We'll simply exclude treatment for any medical condition you've had or had symptoms of in the last three years, and in some cases certain specified conditions. This applies to anyone on the Moratorium method of underwriting.

If you remain free from any symptoms, treatment, advice or medication including over the counter drugs for any pre-existing condition for at least two consecutive years after the cover starts, you may be able to claim for treatment of those conditions.

No, but it may affect your policy if you do not disclose details of any mental health conditions when you apply for life cover. Income protection insurance can provide a monthly tax-free sum if you are unable to work due to mental health issues and access to key support services. You may be able to get Personal Independence Payment (PIP) for extra financial support.