Does CIC Cover Mental Health Conditions?
Generally, no. Standard critical illness policies do not cover mental health conditions such as depression, anxiety, bipolar disorder, PTSD, or schizophrenia. CIC is designed to cover specific physical conditions like cancer, heart attack, and stroke.
However, some conditions with neurological overlap may be covered:
- Alzheimer’s / dementia – Covered by most CIC policies
- Parkinson’s disease – Covered by most CIC policies
- Traumatic brain injury – Covered if resulting from accident/trauma
- Benign brain tumour – Covered by most policies
Can You Get CIC with a Mental Health History?
Yes, in most cases. Having a history of mental health conditions does not automatically prevent you from getting critical illness cover, but it may affect your terms:
| Condition | Typical CIC Impact |
|---|---|
| Mild anxiety (past, resolved) | Usually standard rates |
| Mild depression (past, resolved) | Usually standard rates |
| Moderate depression/anxiety (current, on medication) | Standard to small loading |
| Severe depression (hospitalised) | May be deferred or loaded |
| Bipolar disorder | Loading likely, some insurers may decline |
| Self-harm history | Depends on recency and severity |
Important: Full Disclosure
Always declare your full mental health history on your CIC application. This includes:
- Any GP consultations for mental health
- Prescribed medication (antidepressants, anti-anxiety medication)
- Counselling or therapy
- Time off work for mental health reasons
- Hospital admissions or crisis team involvement
Frequently Asked Questions
No. CIC covers physical conditions only. For mental health cover, use income protection.
Usually yes. Mild/past: little impact. Severe/recent: possible loading. Always disclose fully.