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Life Insurance

Suffering from panic attacks will not generally affect your Life Insurance application so long as the condition is controlled and has not led to recent serious events such as suicide attempts. If the condition has caused significant time off work, required high strength medication or psychiatric treatment, then the price for Life Insurance with anxiety issues could increase. It is not uncommon however for Life Insurance for those with panic attacks to be accepted at normal terms.

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Critical Illness Cover

In a similar bracket as Life Insurance, panic attacks themselves are unlikely to affect a Critical Illness Cover applications in a big way. High strength medication, self harm and large periods of time off work can cause price increases, but often Critical Illness Insurance for people with panic attacks is accepted at normal terms. Applications for Critical Illness Cover with anxiety disorders are handled with the utmost sensitivity so as to minimnise any stress caused.

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Income Protection

Income Protection for people who suffer from panic attacks / anxiety disorders can often be sourced without the price of the policy increasing. You should however note that if you have had symptoms or have taken medication within the last few years then you will receive an exclusion for conditions relating to mental health. If you have been a number of years without symptoms or medication some providers may be able to consider cover without the exclusion.

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Possible Effects on Lifestyle

Common problems experienced by individuals who experience panic attacks include

  • Shortness of breath
  • Extreme fluctuation between hot and cold
  • A warm tingly sensation throughout the body
  • Continence issues
  • Sweaty palms
  • Heart palpitations
  • Feeling of helplessness

Many people who experience a panic attack for the first time describe the feeling as if they were having a heart attack. The symptoms can often be mistaken by family, friends and work colleagues as a heart attack.

Medications and Treatments

  • Citalopram hydrobromide (Cipramil)
  • Citalopram hydrochloride (Cipramil drops)
  • Diazepam
  • Escitalopram Oxalate (Cipralex)
  • Oxprenolol
  • Paroxetine
  • Propranolol
  • Seroxat
  • Sertraline Hydrochloride (Lustral)
  • Venlafaxine Hydrochloride (Efexor)

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Panic attacks are a debilitating condition that can often be difficult for people to understand, unless they themselves or someone close to them has experienced them. A panic disorder is primarily manifested by the recurrence of panic attacks at what are considered normal social situations that “should” not be scary. When you suffer a panic attack your body and mind enter into a 'flight' mode, with sufferers often only able to become calm once they have left the trigger situation.

Symptoms often mimic a heart attack and can be extremely disconcerting for the individual experiencing them. Panic attacks often occur after a build up of stress experienced by an individual and with counselling the initial trigger point can de determined, and hopefully overcome. Treatments such as hypnotherapy, acupuncture, cognitive behaviour therapy can sometimes help. For some individuals, the fear of potentially having a panic attack can develop which can lead to other conditions such as agoraphobia.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research