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 want an income protection plan as I only get 6 months of full sick pay and then half pay for another...
 
What does this deferred period actually mean and will my claim be backdated if there is a deferment period?...
 
As I am a director of a limited company a large percentage of my earnings come in the form of dividend...
 
Looking around the internet I keep coming across both accident & sickness insurance and income protection...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Mark France
02/01/2018

Josh at Drewberry was extremely helpful and friendly in answering my many questions about the policy before I went ahead.

Mark Walters
06/01/2019

Drewberry was the only website I could find that would give me an indicative Relevant Life cover quote. Victoria at Drewberry was very helpful throughout the whole application process.

Paula Cummings
24/12/2018

They gave me good advice and weren’t pushy! I felt that I was getting what I asked for and I’m happy with the final product that I bought.

We are rated 4.9/5 based on 1966 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1916 Reviews
Verified Buyer
Overall Rating
The whole process was a pleasure. Drewberry we're easy to deal with, polite, knowledgeable and helpful
Verified Buyer
Overall Rating
Very good, clear service would recommend to friends and family
Anon
Overall Rating
Sam Carr provided an efficient and professional service.
Verified Buyer
Overall Rating
Sam Carr provided a professional but enthusiastic service and helped make the whole process very straight forward. Goodness knows I have been through enough application forms recently. My insurance product was never going to be easy to find and I had been rejected on a number of other occasions through others ironically due to well managed common health conditions. I identified Drewberry in a last and disappointing trawl on th web to find someone that actually wanted to take on a difficult case like me. Some brokers wouldn't even consider me. When we applied for my first choice product Sam wasn't at all deterred by the long wait for my GP report or the final rejection that came back from the insurer, sadly I have become used to it. Within a day he had lined up the second choice and to my surprise he had hit the nail on the head and introduced me to the correct insurer and terms for my needs whilst nogotiating an excellent premium. I am extremely satisfied with what Sam has achieved for me and I would have no hesitation in recommending either him or Drewberry to friends, family and and business contacts. In the future, Drewberry will be my first point of contact. Many thanks!
Kym
Overall Rating
Tailored to my need and the staff gave very good service