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Mental Health Insurance

Despite public awareness campaignssurrounding mental illness or the information
highlighting the issues facing people withjust isn't getting through. For example,
mental health problems and the fact that nomental health problems can occur as an
one is immune to developing a mental illness,isolated case in relation to a specific set
people with mental health problems are stillof circumstances and once treated, will never
facing unfair discrimination, prejudice andhappen again, some types of mental illness
stigma every day of their lives, not justare episodic in nature, and most people who
from members of the public but also fromseek help for mental health problems do go on
businesses, banks, employers and even when itto lead full and normal lives. Probably the
comes  to  taking  out  an  insurance policy.most important point is that just because
someone is suffering from a mental health
The truth is, any one of us can develop aproblem doesn't automatically mean they pose
mental illness, regardless of our age,a greater risk than anyone else. Insurance
gender, location, occupation or socialcompanies calculate their insurance premiums
status. Actually, the statistics show that aton the level of perceived risk, which is
least one in four of us will experience somesupposedly based on medical evidence. Perhaps
kind of mental health problem in the space ofthis  is the area that needs to be addressed.
any one year. Mental health problems can be
hugely diverse in nature and can range fromSo what can you do about it? Certainly, if
mild cases of depression and anxiety to morethere is a case of unfair discrimination then
serious cases of bipolar depression andit is possible to sue under the Disability
schizophrenia with the types of symptoms andDiscrimination Act but according to Mind, the
the degree of intensity of these symptomsleading UK charity for mental health, only a
varying from person to person. However, theresmall number of cases are taken out under
are problems to face in the outside worldthis Act and of these, few are ever
too.successful. Similarly, the Citizen's Advice
Bureau (CAB) report that most claims against
Possibly one of the most distressing aspectspayment protection insurance fail when mental
of mental illness is the isolation and socialillness is involved as it is a common
exclusion often experienced by the suffererexclusion  in  many  insurance  policies.
purely as a result of ignorance and
misunderstanding on the part of other peopleIt isn't all doom and gloom though, people do
and it is this that needs to change. If weseem to be waking up to the fact that
consider insurance for example, somethingsomething has gone wrong somewhere and that
that most people take for granted, but not ifpeople with mental illness deserve to have
you have had a mental illness in the past orthe same rights as anyone else. Over in the
are suffering from a mental health problem atUSA for example, a study by the Mental Health
the  moment.America Association found that the majority
of Americans believe that people with mental
The findings of a major report onhealth problems should no longer be subjected
discrimination against the mentally illto discrimination by health insurance
showed that Insurance companies will oftencompanies. In fact, some 96% of Americans
deny insurance or place exemptions on anbelieve that health insurance should also
insurance policy when there is a history ofcover mental health. Here in the UK the
mental health problems, even if thosegovernment are aware of the issues
problems existed many years ago and are nosurrounding mental health and exclusion and
longer an issue. This applies to any type ofare tightening up legislation to protect
insurance and not just life insurance either,people  from  unfair  discrimination.
travel insurance, mortgage insurance,
employment insurance, payment protectionIn the meantime, we would all do well to
insurance, all become more difficult toremember that mental health problems are not
obtain if you have a mental health problem oronly common, they are treatable, and can
a  history  of  mental  illness.affect any one of us at any time. Until we
insist that people with mental health
This would appear to suggest that insuranceproblems receive the same rights in society
companies as well as many others still do notas everyone else, the problem with insurance
understand the issues or the factswill persist.



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