Psy issues vs insurance

[AnxietyEmployee]

Hello,

Recently I have purchased a few insurance for my health. Initially, i didnt want to declare about my depression because I know that this may result in inability to purchase but later on I decided to declare. I just receive news that my policy may be revoked if i dont present a medical report. Now I am kinda regretful for declaring my mental condition because it feels like is redundant to declare and also now is increasing the chances of getting my policy revoked. I am well aware that I wont be claiming any insurance for my depression as it goes against my values to do so. Now that I know my policy may get revoked, I am feeling even much more anxious because what if touchwood I am hospitalised from an accident and not depression, i am not covered and is heavy sum for me to fork out.. When I think abt situation like this, i would rather just leave me out there instead of spending thousands to get hospitalised. My agent ask me to tell the doc i am okay but i know i am not..

So for those reading this post, i suggest that if you would like to get diagnosed and have medication, get insurance first.

However on my end, i cant help but to feel unsafe that i am unprotected and this is increasing my anxiety and making my depression worse. I feel so hopeless and suddenly felt that i cant do anything with my life. I am feeling really shameful for having depression, like why is it me? I regretted getting a diagnosis and now is making me feel alot of regrets. On the other end, while we talk about mental health here and there, but other than great supports out there, society is still not helping people like us and i still feel shameful for getting diagnosis.

[CaringBee]

Dear @AnxietyEmployee

Thank you for writing in, sharing what you have encountered when purchasing insurance.

It is understandable that you are feeling anxious and depressed about the experience as you intended to buy insurance protection in case of unforeseen accidents that require hospitalisation. That is a responsible action by you.

Furthermore you had been honest in making the declaration on your mental health when purchasing the policies as you prefer to be above board. This honesty too is laudable.

Please do not be discouraged. May I suggest you speak to the agent to clarify what other options you have to get accident coverage that includes hospitalisation charges. If possible, speak to another agent or call / write to one of the insurance providers.

Meanwhile, I can see that you are doing your best to manage your current mental health. Despite your efforts though, during trying periods, it is inevitable to feel hopelessness and hurt. I feel your pain.

Please do consider that when thoughts of shame and hopelessness arise, hold them lightly and respond to them with self compassion. Remind yourself how far you have come and then focus on doing what you need to do to that moment. I believe slowly the grip of unhelpful thoughts can loosen, and reduce distress. You are already taking actions to address your mental health, so continue to focus on the treatment.

The community here is also available to support you do reach out whenever needed. Please take good care.