If you've searched online for private medical insurance that covers schizophrenia then you are probably for looking for established UK based health insurance providers that will cover your schizophrenia.
Our advice when shopping around for private medical cover that covers schizophrenia is to speak to a insurance broker. Health insurance is extremely complicated and if you want complete certainty that schizophrenia is covered you should consult with a medical insurance broker who can explain which providers will cover this medical condition and which will not.
There are many advantages to using a insurance broker but the largest by far is that you're using their expertise at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than you so it costs you no extra to use their brokering services.
- Do you live in many different postcodes? Some will give you a cheaper premium than offers. A broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance claim? A broker will know this vital information.
- If you are a couple and one of you has claimed on your policy this year would it be cheaper to separate you both onto two different policies?
- You've developed a certain medical condition and want to know which insurer offers the biggest amount of cover for it. A broker will know this instantly saving you so much time and effort.
You can call around every medical insurance provider you can find and ask if they cover schizophrenia, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.
Its much quicker to speak to one health insurance broker which will know which policy providers on the market cover schizophrenia and under what terms they do or don't cover it.
Schizophrenia is a long-term mental health condition that causes a range of different psychological symptoms, including:
Doctors often describe schizophrenia as a psychotic illness. This means sometimes a person may not be able to distinguish their own thoughts and ideas from reality.
Read more about the symptoms of schizophrenia.
The exact cause of schizophrenia is unknown. However, most experts believe the condition is caused by a combination of genetic and environmental factors.
It is thought certain things make you more vulnerable to developing schizophrenia, and certain situations can trigger the condition.
Read more about the causes of schizophrenia.
Schizophrenia is one of the most common serious mental health conditions. About 1 in 100 people will experience schizophrenia in their lifetime, with many continuing to lead normal lives.
Schizophrenia is most often diagnosed between the ages of 15 and 35. Men and women are affected equally.
There is no single test for schizophrenia. It is most often diagnosed after an assessment by a mental health care professional, such as a psychiatrist.
It is important that schizophrenia is diagnosed as early as possible, as the chances of recovery improve the earlier it is treated.
Read more about diagnosing schizophrenia.
Schizophrenia is usually treated with a combination of medication and therapy appropriate to each individual. In most cases, this will be antipsychotic medicines and cognitive behavioural therapy (CBT).
People with schizophrenia will usually receive help from a community mental health team (CMHT), which will offer day-to-day support and treatment.
Many people recover from schizophrenia, although they may have periods when symptoms return (relapses). Support and treatment can help reduce the impact the condition has on your life.
Read more about treating schizophrenia.