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Life Insurance, Critical Illness Cover and Income Protection for people with Postnatal Depression
Also Known as: Postpartum depression
Linked with: Generalised anxiety disorder (GAD), social anxiety, post traumatic stress disorder (PTSD), panic disorder, obsessive compulsive disorder (OCD), postpartum psychosis, bipolar disorder, hallucinations
Possible Symptoms: Sadness, lack of energy, difficulty sleeping, feelings of guilt
Life Insurance when you have had postnatal depression can be available at normal terms, depending upon the severity of your symptoms and strength of any medications that are in use. As long as you have not had any recent periods of self-harm or hospital admissions, insurance providers may be able to offer you Life Insurance at standard terms. The insurance provider you approach will want to know about the forms of treatment you have taken to address the depression, and the details of any medication that you take.
If your postnatal depression is linked with other health conditions such as bipolar, PTSD and suicide, your policy premiums will more than likely be loaded (increased). Your GP will probably be asked to submit a report to show how your condition affected or continues to affect your life.
Critical Illness Cover
People who have had postnatal depression that is well controlled, with no recent episodes of self-harm or hospital admissions, may have access to Critical Illness Cover at normal terms. The insurer that you approach will want to know how long it has been since you were diagnosed with postnatal depression, if you have been left with any lasting symptoms and the types of treatment that have been used to help you manage the condition.
Where symptoms and medications used have been mild it is possible that you could access Critical Illness Cover at normal terms. If you required to take strong medication and/or still experience symptoms of postnatal depression, the insurer may ask to see a report from your GP to confirm your health. This could result in your application for Critical Illness Cover being accepted at normal terms or you may be offered non-standard terms in the form of a premium increase.
Income Protection for those who have had postnatal depression will be assessed on an individual basis, with key consideration given to how long you have lived with the condition, when you last experienced symptoms and the treatments that you have used. It is possible that you will have exclusion placed on the claims set of the policy, for any inability to work due to depression. You should aim to arrange the Income Protection policy on an own occupation definition, which will give you the strongest set of claims criteria for this policy type.
If you find that the terms of Income Protection that you are offered do not meet your expectations, then you may want to consider an Accident, Sickness and Unemployment cover (ASU). This policy will pay you an income replacement of 12-24 months if you are unable to work due to disability, long-term injury or involuntary redundancy. This cover is not medically underwritten and the premiums will not be affected by the history of postnatal depression. Any claims, however, will exclude postnatal depression on this policy.
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have postnatal depression include:
- Crying for no reason
- Difficulty bonding with your baby
- Difficulty making decisions
- Feelings of guilt
- Lack or increase of appetite
- Loss of interest in general
Medications and Treatments
- Cognitive Behavioural Therapy (CBT)
- Guided self-help
- Interpersonal Therapy (IPT)
- Self-help including: accepting help, regular exercise, healthy eating, resting, talking to adults, making time for yourself
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