Apologies if this is in the wrong section.
My DP and I are in the process of buying life insurance and I've just been declined as I've recently been diagnosed with PND. I don't want to keep applying and repeatedly get declined, so I was hoping someone with a similar experience could PM me the name of an insurer who doesn't discriminate against mental illness.
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07-05-2013 15:44 #1
Life insurance with PND
07-05-2013 17:30 #2
Our insurer gave us the option of paying a higher premium to cover exDH medication for depression & cholesterol.
That's with Clearview which is sold by Bupa.
07-05-2013 20:45 #3
Bump. Anyone else?
07-05-2013 21:04 #4
Have you been declined outright? Was it life & disability or just life insurance?
I had back pain and saw a specialist for it as it persisted for 4 months. That means I can't get disability cover to cover anything related to my spine, which really sucks. I increased my cover a few years ago and they said I could get it removed if the issue had been well & truly settled and I'd had no pain for a while (quite a while), but that isn't the case so I didn't bother.
I had heard that beyond blue was upset about the issue of life insurance and depression, but I wasn't exactly sure what was happening. I'd contact Beyond Blue and see if they have advice. It may be that you need to wait a year and then reapply when you are well, or it may be that you can get cover now through some companies, possibly with higher premiums or different exclusions.
There are 2 types of insurance - the type when you don't fill in forms, and the type when you fill in medical forms and get told whether you are covered or not. If you don't fill in forms it can be tricky to claim later on as you REALLY have to prove that you didn't have any symptoms of a particular condition when you filled in the forms. That's why they are cheaper. As for the 2nd type (which I went for) at least I know what they will & won't cover me & my dh for and we just accept that. BUT, maybe for you, choosing type #1, where you don't need to fill in a long medical questionnaire might be the go.
08-05-2013 11:50 #5
Declined outright for life. Was a no frills company and I guess you get what you pay for, though I still felt rather deflated after being declined. I have some limited insurance with my super so I might have to stick with that for awhile. They did suggest I try again after I'd been off treatment for 3 months.
I believe beyond blue are campaigning to get insurance companies to stop lumping all mental illnesses in the one category, though I don't think anything has really eventuated from that.
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