How do insurers provide mental health support to their clients?

How do insurers provide mental health support to their clients?

Mental health is the single largest cause of disability in the UK, significantly higher than cancer or heart disease and it affects one in four people every year.

In an article by the online protection newspaper, Protection Guru, they explore the many options of help and support that insurers can provide to their clients.

What types of mental health support are offered?

Included by insurers are a combination of:

  • bereavement stress
  • suffering from marital/ or relationship problems
  • anxiety
  • depression
  • coping with a serious incident, such as a suicide attempt
  • help with tackling debt
  • obsessive-compulsive disorder (OCD)
  • phobias
  • addiction
  • psychiatry
  • psychology
  • psychotherapy
  • phobia
  • trauma therapy
  • post-traumatic stress disorder (PTSD)

The vast majority of insurance providers offer support services in all of these areas.  However, there are some notable exceptions. We have up to date knowledge of the services offered by all insurance providers so that you can make an informed choice. We research the most comprehensive of insurance plans so that you don’t have to.

What therapies are offered?

Insurers offer a range of:

  • Cognitive behavioural therapy (CBT) – a talking therapy that helps the individual deal with overwhelming problems that can lead to negative thoughts and patterns of behaviour
  • Cognitive analytic therapy (CAT) – looks more at learned behaviours from the person’s past and how it, or certain beliefs, might be contributing to issues they are facing today
  • Phobia therapy and trauma-focused therapy designed to help with more specific problems
  • Eye Movement Desensitisation and Reprocessing (EMDR) to treat PTSD which tends to occur after experiences such as military combat, rape, assault or car accidents, for example
  • Counselling helplines
  • short-term, solution-focused therapy

How do I receive the therapy on offer?

Insurance providers disclosed to Protection Guru that telephone contact is the most popular option, with Video call coming second, although not all insurers offer this method.  

Do the support and therapies on offer come at an extra cost?

All insurers are different, some cover the total cost of their mental health support benefits, but several cap their levels of cover. Others will pay the full cost of treatment (up to six mental health treatment sessions) but thereafter would be subject to further discussion with the insurance provider.

Some insurers contribute on a case by case basis and do not indicate any maximum level or total liability.

The positive to take from this blog is that levels of support are expanding at a rapid rate.  Insurers have a better understanding of mental health including just how many people it affects, and we can help find the perfect policy for you.

Source: Policy Guru October 2020

Next steps

Whilst you are welcome to get a quote online we would recommend you talk to one of our advisers.

Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!

An online quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof.


Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer from a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

Get a Quote

Help and support are available right now if you need it. You don’t have to struggle with difficult feelings alone. Please call us and we can check your policy for available assistance programmes such as  RedArc, Square Health, Smarthealth, Support Plus, LV Doctor services and other support services.

For a listening ear or just someone to talk to the Samaritans are open 24 hours a day, 7 days a week. You can call them on 116 123 and you don’t have to be suicidal to get in touch.

The Samaritans – for everyone
Call 116 123

Campaign Against Living Miserably (CALM) – for men
Call 0800 58 58 58 – 5pm to midnight every day

Papyrus – for people under 35
Call 0800 068 41 41 – Monday to Friday 10am to 10pm, weekends 2pm to 10pm, bank holidays 2pm to 5pm
Text 07786 209697

Childline – for children and young people under 19
Call 0800 1111 – the number won’t show up on your phone bill

The Silver Line – for older people
Call 0800 4 70 80 90

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