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OCD life insurance

OCD stands for obsessive compulsive disorder. This is a mental health condition which, as the name suggests, means that someone has obsessive thoughts and compulsive behaviours. In cases where symptoms have little to no impact on your daily life, OCD life insurance cover is available from a variety of insurance companies.

More significant cases of OCD will of course require some additional investigation from the insurers, which may include specific questions and medical records access. Knowing which insurer will treat your case most favourably is something that our highly skilled experts specialise in.

Obsessive compulsive disorder life insurance can help to give you peace of mind that your family and home would be financially protected if the worst were to happen to you.

OCD facts and figures UK

According to statistics from NICE, OCD is thought to be the fourth most common psychiatric illness in the world. It can begin at any age, though it typically develops during early adulthood.

OCD UK states:

  • OCD can affect as many as 12 in 1000 people in the UK
  • There are around 750,000 people experiencing OCD in the UK at any time
  • Around 50% of OCD cases fall into the ‘severe’ category
  • 25% of OCD cases start by age 14

Learn more – Guide to mental health conditions and life cover

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YES – as mentioned above, if you already have the condition then the availability of certain OCD life insurance policies depends on your specific case and how much OCD affects your daily life. Regardless of how severe your symptoms are, however, there will always be at least some level of protection available.

We offer a ground-breaking new service which allows you to get quotes and apply online for life insurance even if you have a pre-existing condition. This service is one of the first of its kind and is a big step forward in our mission to make life insurance more accessible to everyone. Try it out here: Get a Quote Online

If obsessive compulsive disorder is disclosed when you apply for life insurance, the insurance company will most likely ask you some additional questions specific to your condition to gather information such as:

  • Your date of diagnosis
  • What medication you’re on (if any)
  • Whether you’ve been treated by a psychiatrist
  • If cognitive behavioural therapy or other coping strategies have helped
  • What your symptoms are
  • The frequency of your symptoms

Like other mental health issues, other points of interest for the insurers are whether the condition has an impact on your everyday life and whether you’ve self-harmed, had suicidal thoughts, or a suicide attempt. These questions may seem less applicable to OCD than other mental illnesses, but they do fall under the broader “mental health” questions and insurance providers like to keep track of this.

Types of life insurance that may be available include:


Does critical illness cover pay out for OCD?

NO – obsessive compulsive disorder is not usually classed as a critical illness, so you would not get a payout for a confirmed OCD diagnosis.

Due to the way critical illness cover works, every insurer offering this type of cover will have a list of condition that they deem to be serious enough to trigger a payout on a policy. Each insurance company has a slightly different list so it’s important to check what is covered.

Critical illness cover is designed to pay you a lump sum if you get diagnosed with something serious, such as:

If you already have OCD and are looking for critical illness cover, it should be available through select insurers. Our specialist brokers will know which companies would be best for you and your specific condition.

Some of the main reasons critical illness cover can be useful are to cover things such as:

  • Loss of income
  • Treatment and medication
  • Bills and other outgoings

Income protection for OCD

The availability of income protection for people with OCD again depends on the severity of your symptoms, but normally if you work then you can get cover – often at competitive rates.

The main thing to be aware of in this regard is whether the insurer will apply any exclusions to your policy. For example, a mental health exclusion may be applied which means that a claim wouldn’t be paid if you had to take time off work due to any mental health problem.

Income protection can alleviate the financial burden of being unable to work by helping to cover:

  • Bills and outgoings
  • Mortgage and rent payments
  • Medical treatment
  • School fees

Income protection is designed to pay you a monthly benefit if your GP signs you off work for 4 weeks or more.

The payment amount is calculated based on a percentage of your gross wage and therefore offers a far greater level of cover than most sick pay schemes – especially statutory sick pay (SSP).

Will I need a medical for OCD life insurance?

Just like with many disclosures, it is possible that the insurer may request additional information from your GP so that they can get a bigger picture of your medical history, which in turn helps them to make sure the policy is 100% accurate.

The two main types of medical evidence requests are:

  • Medical report from your GP
  • Nurse screening

These requests themselves do not affect your insurance premiums, however, as they are paid for by the life insurance companies.

Medical conditions linked to OCD

There are various conditions and disorders with a known link to OCD including:

What is obsessive compulsive disorder (OCD)?Obsessive compulsive disorder or ‘OCD’ is a mental health condition.

This causes obsessive/repetitive thoughts and compulsive behaviours, which can be distressing.

There are different levels of severity for OCD, varying from person to person.
How do OCD symptoms start?There are various different triggers that can cause OCD symptoms to begin.

Most people begin experiencing OCD symptoms during adolescence (teenage years). Symptoms can start earlier or later than this in some cases.

Causes of OCD include:

Traumatic events
Genetics (family history)
Organised/methodical personality type
Differences in the brain e.g. low serotonin
What are the major symptoms of OCD?The main symptoms of OCD are:

Obsessive (unwanted or intrusive) thoughts, images or urges. These can cause anxiety.

Compulsive behaviours that are repetitive. These are intended to relieve the unpleasant feelings brought on by intrusive thoughts.

Useful resources

Here are some useful links for people looking for more information on OCD:

NHS Choices – Obsessive compulsive disorder

OCD UK – Charity

Mental Health Foundation – OCD

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