If you've searched the net for private health insurance that covers suicide then you are most likely for looking for established UK based health insurance companies that can cover your suicide.
Our advice when shopping around for health insurance that covers suicide is to speak to a health insurance broker. Health insurance is extremely complicated and if you want complete certainty that suicide is covered by your policy you should consult with a broker who can explain which providers will cover this medical condition and which will exclude it.
There are many advantages to using a broker but the largest by far is that you're using their insurance training at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than by you so it costs you no extra to use their brokering services.
- Do you live in many different postcodes? Some will give you a lower policy premium than offers. A insurance broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance policy? A broker will know this critical information.
- If you are a couple and one of you has claimed on your insurance policy this year would it be cheaper to separate you both onto two different policies?
- You've lean't you're at risk of developing a certain medical condition and want to know which policy provider 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 suicide, 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 far far quicker to speak to one medical insurance broker which will know which policy providers on the market cover suicide and under what terms they do or don't cover it.
Suicide is the act of intentionally ending your life.
If you're reading this because you have, or have had, thoughts about taking your own life, it's important you ask someone for help. It's probably difficult for you to see at this time, but you're not alone and not beyond help.
Many people who have had suicidal thoughts say they were so overwhelmed by negative feelings they felt they had no other option. However, with support and treatment they were able to allow the negative feelings to pass.
If you are feeling suicidal, there are people you can talk to who want to help:
Visit our suicide crisis page.
Read more about getting help if you're feeling suicidal.
If you're worried that someone you know may be considering suicide, try to encourage them to talk about how they are feeling. Listening is the best way to help. Try to avoid offering solutions and try not to judge.
If they've previously been diagnosed with a mental health condition, such as depression, you can speak to a member of their care team for help and advice.
Read more about suicide warning signs and how you can help someone with suicidal thoughts.
There's no single reason why someone may try to take their own life, but certain things can increase the risk.
A person may be more likely to have suicidal thoughts if they have a mental health condition, such as depression, bipolar disorder or schizophrenia. Misusing alcohol or drugs and having poor job security can also make a person more vulnerable.
It's not always possible to prevent suicidal thoughts, but keeping your mind healthy with regular exercise, healthy eating and maintaining friendships can help you cope better with stressful or upsetting situations.
Read more about the causes of suicide and preventing suicide.
Many people who self-harm don't want to kill themselves. Self-harming can be a kind of "survival strategy", providing a person with a way of coping with overwhelming emotions.
However, self-harming is usually a sign that a person needs immediate help and support.