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A working environment can be a testing place if you are one of the many hundreds of thousands of people who suffer from mental illness in the United Kingdom. If you are dealing with mental illness in your working life, the safety of being sure that you're appropriately protected by accident and sickness insurance can lower stress and make your depression easier to handle. Accident and sickness insurance is a huge worry for the hundreds of thousands of workers who deal with depression at work. It can be very tricky to insure against depression as the illness is much more difficult to quantify and to treat than a visible physical complaint. So can you get accident and sickness insurance if you have mental health problems? And will you be in a position to get the cover you require from your accident and sickness insurance provider to help you deal with the reality of working with mental health problems? This is not a comprehensive guide but this page ought to give you some ideas about how accident and sickness insurance relates to a mental illness. 'High risk' candidates are only very grudgingly provided with insurance as companies view these candidates as more liable to need cover in the future. Unfortunately this is all due to numbers and it makes finding suitable sickness and accident insurance really hard if you have, or have ever dealt with, depression. This fact means that a mental illness sufferers are forced to pay for much more costly cover as they have little option but to go with an insurance company who is more willing to take on high risk customers, thus inflating the premiums each service-user has to pay for their accident and sickness insurance. One horrifying stat is that in 1996 one in four prospective clients who had used mental health services were denied cover. Luckily, this is beginning to change and the number has been improving steadily up until the present as understanding and the demand for equality increase. The Equality Act 2010 has done wonders to improve the situation. The act made it illegal to discriminate against those with 'protected characteristics' such as mental health disabilities. Part III of the Equality Act says that there has to be "fair and equal distribution of goods and services to all", which means that insurance teams legally are obliged to give cover to people suffering from a mental health issue, at a fair and reasonable rate. If you suffer from a mental health difficulty, and would like to purchase insurance, like accident and sickness insurance, it is vital to be open and truthful with your prospective insurance provider. Accident and sickness insurance can be made invalid if your insurance team finds out that you have not provided facts which they might view as relevant. Make certain you speak with lots of different insurance providers. An informed buyer is more likely to get a good deal. The stats, formulas, figures and policies which insurance providers work with vary hugely which is why doing a bit of legwork can really pay off. Get as many quotes as you can before deciding. Do not be nervous about talking with insurance providers if you suffer from depression you are just as entitled to the stress-relief that good accident and sickness cover can provide. In fact it is law that you are. Look for an insurer who specialise in professionalism and a good quality service. First Call Payment Protection are one excellent insurance provider who supply fast and very reasonable quotes for accident and sickness insurance.
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