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Does Income Protection Insurance Cover Stress?

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

Question asked by Sharon Dreyfuss

Does Income Protection Cover Stress-Related Illnesses?

Income Protection Insurance can cover stress-related illnesses and mental health issues.

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. So if you’ve suffered from bouts of stress in the past, especially if it’s needed medical intervention, then it’s unlikely you will be able to get mental health conditions covered by Income Protection.

However, the good news is that as Income Protection policies are medically underwritten upfront you will know from the outset what is covered and what is not.

Mental illness is one of the biggest causes of work absence in the UK, and according to Mind it 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.

If you’re looking to take out Income Protection and need some help considering your options please do not hesitate to pop us a call on 02084327333 or email help@drewberry.co.uk.

Why Speak to Us…

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to let us help.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • You’ll speak to a dedicated expert from start to finish
    You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 2274 and growing independent client reviews rating us at 4.92 / 5.
  • Gain the protection of regulated advice
    You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
  • Claims support when you need it the most
    You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress-free as possible.

Drew was incredibly helpful all the way along and very responsive and patient with any questions I had (which were many). He was able to get me a much better deal on my new health insurance than I had been able to get online. A success all round!

Francesc Sale
07/06/2019
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Millennium Bridge House
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Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
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  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.