It is difficult to talk about having bipolar disorder, a mental health problem. Many of the people that have a history of self-harm and have been declined for insurance in the past. Aiming to provide the best possible bipolar life insurance policy for you –Insurers will achieve this by hearing out to your story, which helps them to understand your requirements. This will allow them to find the most suitable insurance policy and protection area.

How does bipolar disorder affect your life insurance?

When applying for life insurance with bipolar disorder, insurers will often request a medical report from your doctor to have a better understanding of your bipolar diagnosis. This will help them gauge the range of your bipolar disorder, in addition to your symptoms such as mood swings and suicidal attempts etc.

If your bipolar disorder is managed with low symptoms, there are chances that your application is accepted under standard terms. However premiums are likely to be increased, in case your disorder is severe, where previous suicidal attempts, use of drugs/alcohol and frequent symptoms have been present, your application may be rejected.

Your cost of premiums for bipolar life insurance will depend on:

  • Your current bipolar diagnosis, including severity of symptoms, cure and medication.
  • Your medical history
  • The type of insurance policy you’re looking for –(Income protection, critical illness cover, travel insurance)
  • The term of your bipolar policy

In addition to the above loading strategies, your bipolar life insurance providers may include exclusions to your policy. And these exclusions are conditions which are related to your bipolar diagnosis–these may be excluded from your policy. Calculating the amount of cover required is difficult without understanding your personal needs and bipolar diagnosis. However, if you are applying for bipolar life insurance the severity of your symptoms, along with budget will be taken into consideration. To make your estimation.



We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00
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