By promoting consistency across the industry, we aim to create a more supportive insurance environment. These standards apply across health, protection, and travel insurance products, ensuring customers with pre-existing mental health conditions can find appropriate cover and receive the support they need throughout the application and claims process.

Intended to apply to providers who underwrite individuals, the Mental health and insurance standards were developed in collaboration with mental health charities and consumers, to provide clear guidance for insurers to enhance accessibility, transparency, and fairness in the way they handle mental health disclosures and underwriting processes.  

While these standards are not a condition of ABI Membership, our members and relevant non-members are encouraged to use the Standards to support the needs of individuals with mental health conditions.

Alongside our members, we continue to engage with mental health charities and consumers to understand the impact of the Standards on consumers with a history of mental health conditions. More information & guidance on buying insurance & how insurance decisions are made.