Is stress covered by income protection?

I read that stress is covered on Income Protection. Is that correct?

Question asked by Sharon Dreyfuss
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Income Required
per
month
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02084327333
Our in-house Experts are here to provide Whole of Market Advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Answered by Robert Harvey

Stress related illnesses are included with most insurers

Income protection insurance can cover stress related illnesses and mental illnesses, in fact in 2011 31% of claims with the insurer LV were for Mental Disorders, e.g. stress.

Generally income protection policies do not have standard exclusions but please bear in mind that most insurers will not cover you for a pre existing condition. However the good news is that as the income protection policies are underwritten upfront it is clear from the outset what is covered and what is not.

rob harvey

Mental illness is one of the biggest causes of work absence in the UK, and according to Mind will affect 1 in 4 of us. That’s why it pays to look for a protection policy, particularly Income Protection Insurance, that provide access to free to use, private therapy services such as counselling if required. Qualified counsellors and support staff can provide speedy, telephone based or face-to-face help for those in need.

Rob Harvey, Cert CII
Independent Protection Expert at Drewberry

Seek advice…

If you’re looking to take out income protection we are on call to help you navigate the different options out there. We offer a fee free service and have access to the whole of market.

accident, sickness and unemployment
 
income protection
 
medical conditions
 
mental health
 
pre-existing conditions
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Income Protection Insurance Questions

 
I’m considering taking out Income protection and was wondering if I was to have an accident whilst...
 
I’m looking for an insurance to pay me a salary if I suffer a minor disability, like a broken leg,...
 
I’m looking for some kind of insurance to cover illness or injury. Do you offer this type...
 
I’m a smoker and I have been told that smokers pay more for insurance including income protection...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Paul Tipler
21/02/2019

Honest and friendly. Gave me the feeling that they had my best interests at heart. I went elsewhere for alternative quotes but Drewberry came out on top all round.

Robin Condliffe
12/02/2019

Victoria Slade has been consistently prompt, personable, efficient and a great communicator. It is the first time that we have had straightforward dealings with financial services since becoming qualified doctors 20 years ago. Well done!

Simon Clifford
26/02/2019

Excellent service from the Drewberry team. Highly recommended for IT contractors like me seeking whole of market advice for Income Protection.

We are rated 4.9/5 based on 2087 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
2087 Reviews
L Peniston
Overall Rating
Really easy process setting up my income protection insurance and Jake explained everything in great detail so i understood all options to make an informed choice. Wouldn't hesitate going to him again - highly recommend Drewberry.
C T
Overall Rating
Exceptional service from Oliver Wigdor!! In less than 24 hours after our initial phone call discussing life insurance I now have a policy in place. The relief of having protection should the unthinkable happen, providing security for my son. The call was conducted with the upmost professionalism especially when handling the sensitive personal questions. Thanks again will be recommending to friends and family!
D hezelgrave
Overall Rating
Excellent
T G
Overall Rating
Excellent service all round. I dealt with Victoria Slade who was really knowledgeable and helped me choose the best life insurance and income protection product, and helped walk me through filling out the forms which quite honestly would have confused me again. I would recommend Victoria and Dewberry to others, and will be using them again for any future insurance needs.
B Barton
Overall Rating
Our company wanted to provide Life Insurance for the employees and when it came to researching options on-line, it was quite daunting. Thankfully I found Drewberry and Nadeem Farid, who has made this a very easy process. I would highly recommend.