PRLog - Oct. 22, 2012 - HERTFORDSHIRE, U.K. -- By Charlotte Fantelli
‘If you have experienced a disability, serious illness or mental health condition and failed to disclose it on your insurance policy, you may find it ‘null and void’ if you ever made a claim!’
Insurance providers need to assess risk when providing their services, but sadly for those who have an illness, disability or medical issue of any kind, whether they are still symptomatic or not, this can cause high premiums, or even refusal of cover.
Many insurers use outdated assessments that discriminate against certain diagnosis, instead of taking personal circumstances into account. This is why we at Mental Healthy, the UK’s leading online mental health community* have teamed up with leading specialist insurers to bring our site users the cover they need and policies they deserve.
People with health conditions can be left unable to obtain insurance and this in turn can impact other areas of life, for example if a person with a health condition cannot get life cover, they then may not be able to obtain a mortgage or other financial product.
Insurance policies are issued on the basis of the declaration of ‘material facts’ and the acceptance of ‘utmost good faith’. Medical history is a material fact that needs to be declared when purchasing any insurance policy and failure to disclose a material fact can invalidate your policy. This includes conditions that you had, but have recovered from.
Christopher Jordan, Managing Director of Orbis Insurance Services says: ‘If you have a gold or a premier account with your bank, one of the benefits may be ‘free travel insurance’. This insurance could be adequate as long as you do not have, or have never had any medical conditions. Many people assume that this cover is comprehensive and do not check the terms and conditions. It is only at the time when an individual needs to make a claim that they realise a policy is not fully inclusive
The cover you need
Mental Healthy now offers free, no-obligation quotes and advice on life, motor, travel and home insurance policies for people with a medical history.
Please see our INSURANCE PRODUCTS (http://www.mentalhealthy.co.uk/
Notes for editors
www.mentalhealthy.co.uk was voted number 1 online and on social media for mental health in the UK – Moodpanda survey 2011. We have over 40,000 followers and publish free, expert mental health guides.
We have teamed up with Orbis and Active Minds to bring the best value and cover for people with mental and physical medical conditions and histories.
For quotes or more information please email Customerservices@