Health insurance with a history of mental health conditions
Past mental health conditions may be excluded under underwriting rules, as with other medical history.
Published by Beyond Leads Limited · 27 October 2026
General information only, not insurance or medical advice. health-quote.co.uk is an FCA introducer, not a broker or insurer. We do not recommend policies or arrange cover.
Key points
Under moratorium terms, the symptom-free period rules usually apply in the same way.
Mental health cover itself may be optional or limited.
What to check in the policy documents
Policy terms differ between insurers. When looking at this topic, the documents to read are the policy summary, the full policy wording and your schedule. Points worth checking include: how mental health history is treated; the mental health benefit and limits; support services outside claims.
This page cannot confirm whether any person, condition or treatment would be covered. That depends on the insurer's terms and decision.
Who can answer questions about your situation?
health-quote.co.uk is a trading name of Beyond Leads Limited (FCA firm reference 940006). We are an introducer, not a broker or insurer, and we do not give prices, recommendations or advice.
If you send an enquiry, we introduce it to Complete Insurance, an FCA-authorised broker, who can discuss your requirements and explain any quotation. There is no obligation to proceed.