Post-Traumatic Stress Disorder (PTSD) Life Insurance, Critical Illness Cover And Income Protection
The Insurance Surgery is a leading insurance expert for all types of mental health disorders including Post Traumatic Stress Disorder (PTSD) life insurance, critical illness cover and income protection. There are several insurance providers who are especially good for mental illness insurance cover so it’s important to make sure that you apply to the best ones for your circumstances. Our team of insurance experts will find out about you and your condition to be able to find the most suitable Post Traumatic Stress Disorder (PTSD) life insurance, critical illness cover or income protection policies for you.
Here we look at how Post Traumatic Stress Disorder (PTSD) can affect applications for life insurance, critical illness cover or income protection to explain what the process will be for you when you apply. It is important to make sure that you apply to the right insurance provider for your Post Traumatic Stress Disorder (PTSD) life insurance, critical illness cover or income protection to protect your family, home and business.
Symptoms of Post-Traumatic Stress Disorder (PTSD):
- Flashbacks
- Anger/Aggression
- Insomnia
- Hyperarousal
- Self-harm
Some of the combinations of symptoms above can cause issues with getting Post-Traumatic Stress Disorder (PTSD) life insurance, critical illness cover and income protection because they can be classed as higher risk.
Treatment for Post-Traumatic Stress Disorder (PTSD):
- Detailed assessment
- Watchful waiting
- Psychotherapy (e.g. CBT, group therapy etc.)
- Amitriptyline
- Phenelzine
- Paroxetine
- Sertraline
How Post-Traumatic Stress Disorder (PTSD) life insurance, critical illness cover and income protection works:
Some of the main points which would be assessed by underwriters when reviewing an application for Post-Traumatic Stress Disorder (PTSD) life insurance, critical illness cover and income protection are:
- Date diagnosed
- Symptoms
- Severity of symptoms
- Medication or treatment
- Any suicidal thoughts or attempts
You need to make sure that you apply to the best insurance providers when you have a mental health issue and need some personal protection cover such as Post-Traumatic Stress Disorder (PTSD) life insurance, critical illness cover and income protection.
Post-Traumatic Stress Disorder (PTSD) life insurance
In some cases it is possible to get Post-Traumatic Stress Disorder (PTSD) life insurance fairly easily and premiums can range from standard rates which is the same rate as someone with no mental health issues. The amount that you will pay for cover will depend on whether you have any other health issues and how severe your symptoms are, especially if you have experienced suicidal thoughts or attempts.
Some of the main issues for Post-Traumatic Stress Disorder (PTSD) life insurance:
- How long have you suffered from Post-Traumatic Stress Disorder (PTSD)
- Have you had any psychotherapy or counselling
- What is your treatment or medication
- Have you had any self-harm or suicidal attempts/thoughts
There is a possibility that your offer for Post-Traumatic Stress Disorder (PTSD) life insurance could be rated so your premiums could be slightly higher if your symptoms are more severe. In certain circumstances where the symptoms are more serious (e.g. suicidal problems) then you may need to apply to a specialist insurer.
Post-Traumatic Stress Disorder (PTSD) critical illness cover
There is a strong possibility that you may be able to get Post-Traumatic Stress Disorder (PTSD) critical illness cover and especially where the symptoms are mild or if there has been a long period of time since diagnosis. If you have received specialist treatment or if you are still receiving counselling then you may find that your offer of cover could have certain exclusions or premiums could increase.
In certain circumstances where the symptoms are more severe then you may also find that Post-Traumatic Stress Disorder (PTSD) critical illness cover could be declined or postponed for a period.
Post-Traumatic Stress Disorder (PTSD) income protection
It is also possible to get cover for Post-Traumatic Stress Disorder (PTSD) income protection where the symptoms are mild or for people where the diagnosis was several years ago. Insurance underwriters will also want to know whether you have had much time off work in recent years to assess the levels of risk involved for your application.
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Useful Links
For more help with your quote for Post-Traumatic Stress Disorder (PTSD) life insurance, critical illness cover and income protection then you should contact one of our team of experts today on 0800 083 2829.
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