Do I need to declare depression or anxiety?

When completing a medical declaration, we ask if you or anyone in your party has ever been diagnosed with or treated for any psychological conditions such as stress, anxiety, depression, or psychiatric conditions such as eating disorders, drug or alcohol abuse or mental instability?

On this basis, depression and/or anxiety would need to be declared regardless of whether you currently take medication or have counselling, whether you have done in the last 2 years, or even if you last dealt with it twenty years ago.

All pre-existing conditions need to be declared on your policy in order for your policy to be valid. Failure to declare the correct medical conditions, or to give complete and accurate information, might result in claims being rejected, claims being refused, or cover withdrawn.