• Travel InsuranceTravel Insurance
  • Life InsuranceLife Insurance
  • Private HealthPrivate Health
  • Home & Contents and Motor Vehicle InsuranceHome & Contents and Motor Vehicle Insurance
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Travel Insurance

Travel insurance can be an important safety net while overseas, however people with mental illness face significant difficulties in their attempts to obtain suitable travel insurance. People are generally unable to obtain travel insurance that covers their pre-existing mental illness. Travel insurance policies typically exclude claims arising from pre-existing medical conditions, including mental illness.

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Life Insurance

When you apply for life insurance, the insurer will assess the risk that you might make a claim in the future (a process known as underwriting). If you have experienced a medical condition, including a mental illness, whether or not that condition was disabling in the past, insurance companies will consider that you are statistically more likely to need to claim against your life, income protection or disability insurance in the future.

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Private Health Insurance

Although some people have difficulty purchasing other forms of insurance because of their current or past mental illness, you should be able to purchase the health insurance product of your choice. Private health insurance differs from other forms of insurance because it is community rated, rather than risk rated. Community Rating means that everyone pays the same premium and has access to the same product, regardless of the risk that they present to the insurance company (such as their health status or other risk factors).

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Home & Contents and Motor Vehicle Insurance

Issues for people with mental illness relating to home & contents and motor vehicle insurance tend to relate to the handling of claims. For example, where damage has been caused by someone who is experiencing a mental illness episode, insurance companies might reject a claim because they consider that the damage has been caused deliberately.

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How Insurance Works

Before issuing a policy, an insurer
will assess the risk of you making
a claim against the policy in the
future. [More]

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Tell Us Your Story

Has your experience with mental
illness impacted your ability
to access insurance?
Tell us your story. [More]

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Links & Resources

Download mental health and
insurance fact sheets, visit
related websites and find out
who to contact for help. [More]

About this Site

People with a past or current experience of mental illness may encounter problems when obtaining or claiming on various forms of insurance.

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